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The retirement funding landscape has become considerably more complex, and longer life expectancy has made planning for an extended retirement period more challenging.

The financial implications of divorce are devastating and often result in both partners having to lower their standards of living post-divorce.

The vast array of options can be overwhelming, especially since making direct comparisons isn't always straightforward.

Caring for a child with special needs is overwhelming and expensive. Here's how you can put a financial plan in place to secure a future for you and your child.

Grasping the mechanics of these vehicles is essential for effective retirement planning and financial security.

Different life stages necessitate varying levels of intervention and prioritisation. Here are a few things to consider.

Good health before retirement doesn’t guarantee continued well-being as you age.

Some proactive steps women can take to secure their financial futures and protect themselves should the relationship come to an end.

Understanding and addressing these issues is crucial for securing financial stability.

This process can minimise legal complications and ensure financial stability in the months following your passing.

Financial planning for a joint estate requires careful consideration and a clear understanding of both parties' rights and obligations.

A look at seven vehicles that can house your savings and how to use them appropriately and effectively.

These products serve various purposes across different life stages, necessitating careful structuring to meet specific objectives.

Carefully selecting the right investment vehicles and understanding their tax implications, can help optimise savings growth over time.

Your financial security largely depends on your ability to work and earn an income. Protecting this is essential.

It’s critical that every retirement plan includes a 'what if' dementia scenario to prevent unnecessary financial burdens on our loved ones.

What happens to your debt depends on a number of factors.

Understanding these factors will help you better safeguard your financial future. 

Exploring when it may be appropriate to set up a trust and what form it should take.

Claiming medical expenses from Sars is not as difficult as it might appear, and understanding how it works can result in some much-needed tax relief.

It should not be viewed as the final stage of financial planning for securing a legacy but rather as an ongoing process of managing assets and liabilities to achieve lifetime goals and posthumous objectives.

These trusts offer a robust solution for managing and distributing assets to minor beneficiaries or those with disabilities.

How these mechanisms can be incorporated to reduce tax in your estate.

Understanding your parent’s retirement plan can ensure their financial security, allow you time to prepare for potential support needs.

Choosing the right cover involves carefully evaluating your health needs, understanding the terms of the policy, and considering your financial portfolio in its entirety.

Understanding these factors is crucial for making informed decisions and avoiding common pitfalls.

Trusts provide asset protection and continuity of ownership, and in certain circumstances, tax advantages.

This cover can provide a financial lifeline in the event of a diagnosis.

Shifts in relationships, financial circumstances, family dynamics, and/or estate planning objectives may create the need to review and update your will.

A look at the considerations before establishing a trust, and how a trust may aid your financial planning. 

Understanding the consequences of your matrimonial property regime is an essential first step in the process.

Emotional impulses can lead to costly financial choices, jeopardising future financial security.

During the five-year period preceding retirement, critical choices on housing, healthcare, and expenses shape your retirement plan's viability.

Understanding the duties and responsibilities of one’s executor is key to ensuring you appoint the right person to the job.

There are many crucial decisions that need to be made at retirement, many of which are interconnected and have bearing on your financial future.

If you know you are behind with your retirement savings, the worst thing you can do is nothing.

This cover can help you protect your income and secure your future.

Nurturing financially confident children requires intentionality, patience, and a commitment to imparting lifelong financial wisdom.

The payout of a deceased member’s death benefits can be time-consuming and laborious, and it can take up to a year before the member’s dependants receive their share of the funds.

Dying intestate can impact all areas of your estate plan and cause untold heartache for your loved ones.

Steps to ensure your will achieves its intended purposes and can withstand legal scrutiny.

Diversifying one’s investments across international markets can create a distribution of risk and volatility.

This mindset not only helps create wealth but also fosters emotional resilience amid market fluctuations.

Unpacking how each type of annuity is dealt with upon the death of the policyholder.

A look at the process and what their role entails.

Debt is probably the single greatest stressor when it comes to financial planning.

Knee-jerk reactions to bad news or uncertainty are never a good reason to move funds abroad.

A look at the options available to help them manage their affairs.

Why a testamentary trust may be the ideal tool to achieve this goal.

Picking the right structure for your venture demands careful evaluation.

Cultivating innovation, resilience and a proactive mindset from an early age can lay the foundation for future success.

Here are 10 ways to ensure these investments work for you.

An estate plan has many moving parts that must work together to achieve a pre-determined set of succession goals.

Embracing and optimising the three can lead to successful wealth accumulation and financial security over time.

A closer look at the process of winding up a joint estate.

Mastering budgeting, cultivating a savings mindset, and learning how to navigate investment markets can lay the foundation for creating lasting wealth.

Some useful advice for first-time home buyers.

Human cognitive and emotional biases can lead to poor decision-making and suboptimal investment outcomes.

Unpacking and simplifying the estate administration process.

Now is an opportune time to make sure that you’ve taken advantage of the tax breaks available to you.

The strategic integration of tax planning into estate planning is a cornerstone for the effective transference of wealth.

Financial planning has had to evolve to cater for more diverse and often complex family structures.

Being fit, healthy and free from ailments may give one a false sense of security when it comes to planning for the future.

It is absolutely essential that your trustees have financial and legal acumen and a solid understanding of the investment landscape.

The employment offer in its entirety should be scrutinised through a discerning lens.

The type of trust that you choose to set up depends primarily on the objectives but also on the type of assets you intend to transfer to the trust.

Like how you are free to transfer your investment to another platform without incurring any costs or penalties.

As 49% of the world prepares for the uncertainty of poll season, a Chinese philosophy presents an opportunity for positive outcomes. Image: Bloomberg

There are complexities to be navigated when investing in these products.

There may be serious consequences if the trust is found to be invalid.

The sooner they learn, the better they will be at it.

Steps you can take to protect yourself and your family financially in such circumstances.

The reasons that people overspend go beyond a lack of appreciation for the value of money.

A look at how best to externalise your funds.

A look at the process of amending your marital regime.

Estate planning has a vital role in strategically structuring and managing assets during one’s lifetime.

Far from being a panacea for all circumstances, a general power of attorney is limited in function.

Getting it wrong can create financial difficulties when your marriage comes to an end.

Unpacking the requirements for a valid will and providing useful insights into the drafting of it.

How the proceeds from your various retirement investments will be distributed in the event of your passing.

A closer look at how estate duty works in the context of life assurance.

Some steps you can take to verify an investment.

Putting mechanisms in place to administer the affairs of a special needs child is vital.

A look at circumstances that necessitate a review of your will.

It’s vital to understand how this piece of legislation can affect your estate planning.

It is imperative to understand the functions of each person mentioned in your will to ensure that they are suitable for the position

Your medical aid benefits are an integral part of your overall portfolio, and any shortfalls in cover may directly impact your financial circumstances and financial stability.

There are financial planning and tax benefits to formalising your charitable pursuits

Are unsure whether to incorporate this type of cover into your portfolio?

Long-term insurance cover can be used to fortify your investment plan and protect your future retirement.

The nature of the debt is an important aspect.

According to experts, children as young as three are able to grasp financial concepts such as saving and spending, and their money habits are largely formed by age 7. As the primary influencer on children’s financial behaviour, it makes sense for parents to take advantage of everyday teachable moments with their children to help instil

Estate duty can have a significant bearing on the value of the estate left for distribution among one’s heirs.

This approach provides investors access to a broader range of investment expertise and specialist portfolio management skills, which can achieve more favourable, risk-adjusted outcomes.

Your financial plan should be a living, fluid document that is sufficiently pliable to adapt as and when life happens.

Incorrect nomination can materially affect the nature of the policy, result in additional estate costs, and reduce the inheritance received by your loved ones.

A well-constructed financial plan should address all aspects of your portfolio.

It is important to fully understand the mechanisms of a preservation fund before selecting it as an option in your overall portfolio.

The payout of a member’s death benefits can realistically take up to a year before their dependants receive their share of the funds.

Knowing the tax implications of your investments can help maximise your returns and optimise wealth creation.