Retirement planning enables you to savor the rewards of your hard work and enjoy a fulfilling post-career life.

A prosperous retirement holds diverse meanings for individuals. It could involve cherishing quality time with loved ones, exploring the world, contributing through volunteering, or embracing leisurely moments in the garden. One common desire unites us all - to spend our golden years free from financial worries and stress.

Planning for your retirement sooner will provide you with more opportunities to reach your retirement goals.

The notion of retirement has undergone a significant transformation in recent times. Merely two decades ago, it symbolised a brief period of repose after a lifetime of toil. However, due to improved health and increased life expectancy, today's retirement offers a myriad of possibilities. It may encompass ample time for sports and leisure, creating precious memories with family, embarking on global adventures, relocating to the beach, or fulfilling long-cherished dreams and aspirations. Retirement now opens the door to a world of exciting opportunities and fulfilling experiences.

Strategic planning can alleviate the concern of insufficient funds during retirement. Regardless of your current stage on the road to retirement, initiating a plan early is always advantageous. Even if you believe you've delayed the process, taking action now can still have a significant positive impact on securing your financial future.

Financial Strategy for Retirement

We have helped hundreds of clients carefully consider their strategy for retirement

Retirement Savings

For most South Africans, their retirement savings will play a crucial role in funding their retirement.

Our focus is twofold: firstly, we prioritise reviewing your retirement savings to maximise their potential. Secondly, we endeavor to locate any lost retirement savings you may have, ensuring you have a comprehensive plan for a secure and comfortable retirement.

Investing

Crafting an investment plan is a critical stride towards achieving your retirement aspirations. Partnering with us will provide you with the knowledge to construct a personalised investment portfolio, identifying suitable assets to invest in, and mastering risk management strategies. Together, we'll work towards securing your financial future and reaching your retirement objectives.

Company Benefits

Our team provides expert guidance and personalised support to navigate Company Benefits effectively, ensuring they align with your financial goals and contribute to your future success.

We explain how to qualify for entitlements and choosing social security friendly investments.

Tax and Retirement Income Strategies

Choosing the right retirement investment options and understanding tax implications are crucial for securing your financial future.

Our team offers expert guidance to help you make informed decisions, aligning investments with your goals and managing tax and social security considerations effectively.

Among others some available strategies can include:

  • Transition to retirement pensions
  • Allocated pensions
  • Spouse Contributions
  • Child pensions
  • Spouse contribution Splitting
  • Preservation Funds
  • Retirement Annuities (RAs)
  • Tax-Free Savings Accounts (TFSA)
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Retirement Annuities (RAs)

By the time you retire, your Retirement Annuity (RA) may become the second most valuable asset, just behind your home.

RAs in South Africa offer substantial tax benefits compared to other investment options. Our focus is twofold - we review your RA to maximise its potential and assist in locating any lost funds.

In our experience, Retirement Annuities are favored among South African investors for several reasons::

Choice — RAs offer access to a wide range of investment options.

Control — You have the flexibility to pool family assets, actively make decisions to grow wealth for retirement, and develop strategies for beneficiaries and your own later years.

Flexibility — RAs allow you to adjust investments and the structure of your fund as needed, providing the opportunity to implement effective tax strategies.

Transparency — You enjoy greater visibility over the performance of your investments.

We are accredited to provide advice on Retirement Annuities and can assist you in considering the best options and making the most of an existing fund. Collaborating with your accountant or fund administrator, we help you understand the rules, avoid potential pitfalls, and capitalise on the potential growth of your Retirement Annuity.

Discover if a Retirement Annuity is right for you.
Schedule your complimentary first appointment.