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Latest Posts

Nov 02 2026
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No. 276 – Protecting your family finances while freelancing

Question After I was retrenched, I have started life as a freelancer. I am enjoying the independence, but I am concerned about losing the benefits that I previously...
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Nov 02 2026
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No. 275 – Money in the bank could cost you more in tax

Question I recently got a shock from my tax advisor and was told I have to pay SARS over R100 000 this year.  My advisor said it was because I have too much money in my...
READ MORE
Nov 02 2026
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No. 274 – Weighing up rental income against long-term investment growth

Question I have a rental property worth R5.5 million that generates an income of R46,000 a month. After expenses, I am left with R32,650. As I don't need the income, I...
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Nov 02 2026
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No. 273 – Three effective ways for passing wealth to grandchildren

Question I have R10 million that I would like to use to provide my grandchildren with an ongoing income. What is the best way to structure this?Answer There are a few...
READ MORE
Oct 05 2026
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No. 272 – Plan ahead for business ownership after death

Question My husband owns a business with two partners. If my husband dies what happens to his shares and how do I make sure I receive the value of his share of the...
READ MORE
Oct 05 2026
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No. 271 – Planning for living and having money left to leave after your death

Question I am 65 and have a retirement fund worth R5 million. I want an income, but I also want to leave something to my son when I die. What should I do?Answer...
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Sep 21 2026

No. 270 – Making sure that where there is a will, there is clarity, not chaos

In South Africa, if you die without a valid will, the law decides who inherits your assets. In other words, everyone has an estate plan – the question is whether it is...
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Sep 21 2026

No. 269 – Preserving property while treating children fairly

Question My wife and I are 55 and in good health. We have two adult children, one of whom lives overseas and is unlikely to return. We own a family holiday home worth...
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Retirement Posts

Nov 02 2026
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No. 276 – Protecting your family finances while freelancing

Question After I was retrenched, I have started life as a freelancer. I am enjoying the independence, but I am concerned about losing the benefits that I previously...
READ MORE
Nov 02 2026
, , ,

No. 274 – Weighing up rental income against long-term investment growth

Question I have a rental property worth R5.5 million that generates an income of R46,000 a month. After expenses, I am left with R32,650. As I don't need the income, I...
READ MORE
Nov 02 2026
, , ,

No. 273 – Three effective ways for passing wealth to grandchildren

Question I have R10 million that I would like to use to provide my grandchildren with an ongoing income. What is the best way to structure this?Answer There are a few...
READ MORE
Oct 05 2026
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No. 271 – Planning for living and having money left to leave after your death

Question I am 65 and have a retirement fund worth R5 million. I want an income, but I also want to leave something to my son when I die. What should I do?Answer...
READ MORE
Aug 03 2026
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No. 264 – Turning property proceeds into a tax-efficient retirement income

Question I own several rental properties, so my estate is quite large.  I recently sold a property for R10 million and would like to invest the money to supplement my...
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Jul 27 2026
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No. 263 – How to plan for your pets’ care after your death

Question I constantly worry about whether I have done everything correctly for my two pets after my passing.  I have no family in the country, and I would like guidance...
READ MORE
Jul 03 2026
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No. 261 – Pay your future self first when you’re earning well

Question My daughter will be working out of France on a boat and will be earning a lot of money. Her intention is to come back to South Africa in about five years. What...
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Jul 01 2026
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No. 258 – Resigning shortly before retiring: several factors to keep in mind

Question I will be retiring at the end of the year after 40 years of service. My pension fund will pay me 2% of my final pensionable salary for each year of service....
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Estate Planning Posts

Nov 02 2026
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No. 275 – Money in the bank could cost you more in tax

Question I recently got a shock from my tax advisor and was told I have to pay SARS over R100 000 this year.  My advisor said it was because I have too much money in my...
READ MORE
Nov 02 2026
, , ,

No. 273 – Three effective ways for passing wealth to grandchildren

Question I have R10 million that I would like to use to provide my grandchildren with an ongoing income. What is the best way to structure this?Answer There are a few...
READ MORE
Oct 05 2026
, , ,

No. 272 – Plan ahead for business ownership after death

Question My husband owns a business with two partners. If my husband dies what happens to his shares and how do I make sure I receive the value of his share of the...
READ MORE
Oct 05 2026
, , ,

No. 271 – Planning for living and having money left to leave after your death

Question I am 65 and have a retirement fund worth R5 million. I want an income, but I also want to leave something to my son when I die. What should I do?Answer...
READ MORE
Sep 21 2026
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No. 268 – Access bonds can boost emergency savings, but discipline is vital

Question Is it prudent to put your emergency fund into your access bond, where it reduces the interest on your home loan but remains available if you need it?Answer...
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Sep 02 2026
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No. 267 – The case for giving children an early inheritance

Question My wife and I are in our seventies and have considerably more money than we are likely to spend. Our children are in their forties and could use the money now....
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Sep 02 2026
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No. 266 – Three principles to guide investment decisions

Question I inherited R3.8 million and want to invest it sensibly.  There is so much talk around costs and types of investment that I am confused.   What should I...
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Jul 27 2026
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No. 263 – How to plan for your pets’ care after your death

Question I constantly worry about whether I have done everything correctly for my two pets after my passing.  I have no family in the country, and I would like guidance...
READ MORE

Business Posts

Oct 05 2026
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No. 272 – Plan ahead for business ownership after death

Question My husband owns a business with two partners. If my husband dies what happens to his shares and how do I make sure I receive the value of his share of the...
READ MORE
Jul 10 2026
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No. 262 – Planning is crucial in turning a business into usable family capital

Question My spouse is a 50% shareholder in a business that generates a consistent profit of R6 million a year. I am concerned about what would happen should he pass...
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Aug 31 2025
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No. 221 – Buy-and-sell structures are crucial for businesses

Question I run a business with two partners. Things are fine now, but what if one of us dies? A friend passed away last year, and it ended up in a messy legal fight...
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May 05 2025
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No. 203 – Options to make a higher salary and a loss of benefits work for you

Question I am moving to a new company where the salary will be higher but there are no company benefits like a pension fund or medical aid.  I am not sure what I should...
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Dec 02 2024
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No. 189 – Retirement and risk cover options for employees

Question I have a business with 20 employees.  I would like to put in some kind of retirement fund for them.  Is this financially feasible for our sized company? If so,...
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Dec 02 2024
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No. 185 – To quell chaos, your business needs its own will

Question I recently heard someone talking about a will for a business. How does this work?Answer A will for a business documents what should happen to your interest in...
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Dec 02 2024
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No. 184 – Products that can give employees peace of mind

Question A colleague has recently been diagnosed with cancer. He is going to be unable to work properly for at least three months.  The company will pay him his basic...
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Nov 20 2024
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No. 178 – How life insurance can protect your spouse if you’re the co-owner of a business

Question I founded a successful business 20 years ago with two others. All three of us are actively involved in its day-to-day management. As it is September, I took...
READ MORE

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