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Latest Posts

Oct 20 2025

No. 228 – Plan for the everyday while estate is wound up

Question We are married in community of property and are worried that if one of us dies, everything will be frozen for months or maybe years while the estate is wound...
Oct 20 2025

No. 227 – Ensuring property transfers are fair for all heirs

Question I am 80 years old and have a daughter who lives in my rental property.  She will inherit it when I pass away. She would like  to take over the ownership now. ...
Oct 07 2025

No. 226 – Money priorities every graduate should know

Question I will be finishing university next month and know nothing about financial planning. What should I prioritise?Answer Start with the only asset you already own...
Sep 30 2025

No. 225 – Restructure your assets sensibly to preserve the money for heirs

Question I’m a widow with a terminal diagnosis. I want my two children, both in their 50s, to inherit with minimum cost and delay. I have R5 million in bank accounts,...
Sep 25 2025

No. 224 – Untangle financial choices before tying the knot

Question My partner and I are getting married in December and need to decide whether we are doing it in community of property or with an ante-nuptial contract. Then...
Sep 16 2025

No. 223 – Time plus compound interest equals big returns

Question I’m a 74-year-old ‘financially illiterate’ gran learning so much from your column. I have a newborn grandson and would like to start some sort of ‘fund’ for...
Sep 08 2025

No. 222 – Structures and strategies to help create lasting family wealth

Question I have built up a substantial set of assets and have no debt. How do I structure my finances to create long-term wealth for my children and...
Aug 31 2025

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...

Retirement Posts

Oct 07 2025

No. 226 – Money priorities every graduate should know

Question I will be finishing university next month and know nothing about financial planning. What should I prioritise?Answer Start with the only asset you already own...
Sep 16 2025

No. 223 – Time plus compound interest equals big returns

Question I’m a 74-year-old ‘financially illiterate’ gran learning so much from your column. I have a newborn grandson and would like to start some sort of ‘fund’ for...
Aug 28 2025

No. 220 – How to strike the right balance between caution and growth

Question With inflation now around 3%, the Reserve Bank cut rates by 0.25%. That’s great for borrowers, but I’m a 68-year-old pensioner living off the interest from a...
Aug 19 2025

No. 219 – Using extra money smartly can maximise your retirement funds

Question My spouse has no pension or retirement fund. He has just sold a property and now has a few million in the bank. Can we put that into my pension or retirement...
Jul 29 2025

No. 216 – Rethinking life insurance cover at retirement

Question My wife and I are approaching retirement. We are in good health, have no debt, and have built up a reasonable nest egg. However, we are currently paying...
Jul 29 2025

No. 213 – Reconsidering the worth of rental properties as retirement nears

Question We will be retiring at the end of the year and have several investment properties in Cape Town that we rent out.  We want to use the income from these...
Jul 01 2025

No. 212 – Top 10 tips for managing money once full-time work is a thing of the past

Question One in ten South Africans will live to age 100 so if you retire at 65, your savings may need to support you for another 35 years. Over the past 35 years you...
Jun 27 2025

No. 211 – Turn extra cash into long-term financial security

Question My husband and I have finally reached the stage in life where we have some money left over at the end of each month.  I would like to invest this wisely and...

Estate Planning Posts

Oct 20 2025

No. 228 – Plan for the everyday while estate is wound up

Question We are married in community of property and are worried that if one of us dies, everything will be frozen for months or maybe years while the estate is wound...
Oct 20 2025

No. 227 – Ensuring property transfers are fair for all heirs

Question I am 80 years old and have a daughter who lives in my rental property.  She will inherit it when I pass away. She would like  to take over the ownership now. ...
Sep 30 2025

No. 225 – Restructure your assets sensibly to preserve the money for heirs

Question I’m a widow with a terminal diagnosis. I want my two children, both in their 50s, to inherit with minimum cost and delay. I have R5 million in bank accounts,...
Sep 25 2025

No. 224 – Untangle financial choices before tying the knot

Question My partner and I are getting married in December and need to decide whether we are doing it in community of property or with an ante-nuptial contract. Then...
Sep 08 2025

No. 222 – Structures and strategies to help create lasting family wealth

Question I have built up a substantial set of assets and have no debt. How do I structure my finances to create long-term wealth for my children and...
Aug 13 2025

No. 218 – Steps to take if your spouse is showing signs of mental decline

Question My husband is showing signs of mental confusion, and I am concerned that he may be getting dementia. What do I need to do in order to manage his...
Jul 29 2025

No. 215 – A smart way to cut estate duty without triggering unnecessary tax

Question My father is a widower and has just been diagnosed with cancer. The prognosis is not good and I’m assisting him in tidying up his affairs to make the...
Jul 29 2025

No. 213 – Reconsidering the worth of rental properties as retirement nears

Question We will be retiring at the end of the year and have several investment properties in Cape Town that we rent out.  We want to use the income from these...

Business Posts

Aug 31 2025

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...
May 05 2025

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...
Dec 02 2024

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,...
Dec 02 2024

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...
Dec 02 2024

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...
Nov 20 2024

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...
Nov 19 2024

No. 021 – How to set up a pensions scheme for a small business without any schlep

Question I own a small business and am concerned that a number of my older employees have not made any provision for their retirement. I would like to assist them in...
Nov 19 2024

No. 022 – How to reduce estate duty and executor fees

Question I discovered that my parents do not have a will and have done no estate planning. My father says that he does not have enough assets to have to pay estate...

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