certified financial planner
Fast forward a few decades, and many of those children are now the first in their families to earn a steady income, own property, or meet with a financial planner – their approach to money being shaped as much by
One of the key features of a fee-based model is its transparency, as the cost is usually expressed as a clear percentage of assets under management or a fixed Rand amount, with no hidden commissions, rebates, or third-party incentives.
Professional advice is invaluable in ensuring compliance with South African law, notably around clauses such as the appointment of an executor, guardian nominations, and the establishment of testamentary trusts.
In terms of the doctrine of ademption, specific bequests lapse when the asset no longer exists. This can happen when the testator sells, gives away or otherwise disposes of an item before they die. Unless the will provides for substitution
Many parents—especially those with multiple children—struggle to determine how best to distribute an inheritance. In this regard, it’s helpful to consider the difference between equal and equitable.
International markets offer South African investors access to industries and sectors that are largely underrepresented or absent locally, including biotechnology, semiconductor manufacturing, aerospace and defence, electric vehicle production, and cloud computing infrastructure – with these sectors often being at the
In the event of your death, your Will can only deal with your half of the joint estate, making it essential to ensure that your Will is limited to distributing only your share of the assets.
Look for creative ways to generate additional income. The gig economy has made it easier than ever to earn extra money through tutoring, freelance work, renting out a room, or offering pet-sitting or delivery services. Every bit of extra income
Keep in mind that any and all previous withdrawals and/or severance benefits are also taken into account when calculating the total taxable withdrawal, meaning that it is a cumulative total and not calculated on a pre-withdrawal basis. As such, be
