Archive for the Estate Planning Category


In this issue of Estate Planning Essentials – the third and last in a series on Trusts – we look at the “ugly”. The “ugly” being where a Trust fails and the Trust assets form part of the planner’s personal assets.

Only when it’s too late!

The planner or his estate will typically only discover that his Trust is wanting when it is attacked by:

  • a creditor,
  • a disgruntled spouse, or
  • SARS, in the case of income tax (for arrear taxes where assets still vest in the planner) or estate duty (Section 3(3) (d)).

 When will Trust assets be exposed? Read on 

Estate Planning Essentials – Trusts – Negative Perceptions

This issue of Estate Planning Essentials is the second in a series of three on Trusts. In this issue we look at some of the negative perceptions around Trusts. Read on

Trusts – The Good, The Bad and The Ugly

Our previous article on Estate Planning, on 4 March, ended informing our readers that “The next Estate Planning Essentials will focus on Trusts”.  If you would like to know more about Trusts – The Good, The Bad and The Ugly the following three articles are certainly a must-read. This article focuses on Five good reasons for using a Trust. Read on

Estate Planning

 Read the Article about Estate Planning compiled by Daleen Harris of Glacier Fiduciary Services

Just a note regarding the reference in the write-up to “Our basket of services, aimed at clients with estates of R15m and above” please be advised, however, that although Glacier Fiduciary Services is “aimed at clients with estates of R15m and above,” we (Insured Investment Brokers) also do comprehensive estate planning and financial planning for the “smaller” client with a substantially smaller estate who could undoubtedly also benefit hugely from proper financial and estate planning in order to:

  • Reduce estate duty liability
  • Reduce capital gains tax (CGT) liability
  • Reduce income tax liability
  • Ensure that there is sufficient liquidity in the estate
  • Ensure the smooth and efficient administration of deceased estates
  • Protect against insolvency and inflation

Feel free to email me at

Using a retirement annuity as an estate planning tool

The following Article highlights some of the benefits of Retirement Annuities and makes for interesting reading: 

(Should you have any enquiries on this article please email me at


Additional contributions to an RA provide opportunities for astute financial planning.

It’s RA-season again!!!!! It is the season when taxpayers will be assessing their potential tax liability for the 2007/2008 tax year and making contributions towards their retirement savings by way of tax-deductible retirement annuity contributions.  Read on