financial planning
Women are statistically more likely to become the surviving spouse, yet many remain excluded from important household financial decisions. Effective retirement planning should ensure that both partners understand the family’s finances, know where information is held and can manage the
Risk is an unavoidable part of financial planning, but not all risk is bad. Some risks should be avoided, others are necessary for long-term growth, and some can be transferred through appropriate insurance. In this article, we unpack how to
At retirement, the option to take part of your retirement fund as a cash lump sum can be appealing — but it is not always the right decision. Your lump sum election should be weighed against your tax position, income
Retirement planning is about far more than maximising a tax deduction. A sound retirement blueprint must balance tax efficiency with liquidity, sustainable income, healthcare funding, investment growth, estate planning and the flexibility needed to navigate a potentially 30-year retirement.
Retirement planning is not only about whether your money will last. It is also about preparing for the human realities of growing older, including the loss of independence, cognitive decline, digital vulnerability, future care needs, family dynamics, purpose and connection.
A testamentary trust can help protect an inheritance intended for minor children, vulnerable beneficiaries or dependants who may not be able to manage assets themselves. In this article, we explain how testamentary trusts work, why the wording of your will
When markets fall, headlines intensify and uncertainty rises, the greatest threat to long-term wealth is often not the market itself, but how investors respond to it. In our latest article, we explore why behavioural discipline, structure and perspective are essential
Many South Africans are financially responsible for a wider circle of people than their formal financial plan reflects. From adult children and ageing parents to siblings, grandchildren and extended family members, these invisible dependants can place pressure on cash flow,
The final five years before retirement are a critical planning window. From sequencing risk and liquidity planning to tax efficiency, retirement annuity decisions and estate alignment, this article explores the common mistakes pre-retirees should avoid before they stop working.
Saving is not the opposite of investing — it is what makes investing possible. In this article, we explore why disciplined savings provide liquidity, structure and optionality, and how accessible reserves can protect long-term investment strategies from disruption.
