Retirement & Trusts

Know exactly what you'll have — and who it goes to.

Retirement funds and family trusts drift when nobody is assigned to watch them. We take on that job, with a written review at least once a year.

Two disciplines, one practice

Where we focus

Advisor reviewing retirement fund documents at a desk

Retirement consolidation

We locate every preservation fund, pension and retirement annuity attached to your name, assess the fees and performance of each, and recommend whether to consolidate, transfer or leave as-is.

2.4 average forgotten or dormant funds found per new client
Family meeting with a trust advisor around a table

Trust governance and review

For families managing an inter vivos or testamentary trust, we review the deed, the trustee structure and the distribution record against current trust law and SARS reporting requirements.

4 wks typical turnaround for a full governance review
Portfolio and estate documents being reviewed on a tablet

Estate and beneficiary planning

We check that your will, retirement fund nominations and any trust arrangements actually agree with each other — a mismatch here is one of the most common and most expensive estate problems.

100% beneficiary alignment check included in every retirement review
The retirement & trust practice, in numbers
340+
retirement funds reviewed since 2016
R1.8bn+
in assets under advisory guidance
96%
of ongoing clients renew their annual review
4 wks
typical turnaround for a full trust governance review
Common questions

Retirement and trust questions

Retirement Consolidation

Not always. Consolidation makes sense when it reduces fees or simplifies administration without losing valuable guarantees — we model both scenarios before recommending either.
We calculate this against your current spending, expected retirement age and inflation assumptions specific to South Africa, not a generic industry rule of thumb.

Trusts & Estate

We identify what needs to change and coordinate the legal drafting with an attorney in our network; the review and recommendation are ours, the formal amendment is executed by a qualified conveyancer or attorney.
When your retirement fund's nominated beneficiaries don't match your will or trust intentions — the fund's trustees have final discretion, so an outdated nomination can override your actual wishes.

Find out what your retirement funds are actually doing.

Bring your latest fund statements — even old or dormant ones — to your first consultation.

Call +27 21 418 2937