Insights
Six Step Financial Planning Process

Six Step Financial Planning Process

The Personal Financial Planning Process To allow for the protection of your wealth and the creation of financial freedom, it is crucial to follow a clearly defined financial planning process. This process is detailed as follows. Establishing and defining a...

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Trustees: Your Risk of Personal Liability in Property Sales

Trustees: Your Risk of Personal Liability in Property Sales

Firstly, a warning to anyone selling or buying property to/from a trust - have your lawyer check upfront that you are adequately protected by the terms of the sale agreement. The problem is that contracting with trusts has its own specific set of rules and, as a High...

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Moving to Canada – Hereford

Moving to Canada – Hereford

Moving to Canada can be exciting but also a daunting experience. We lived in Durbanville (Cape Town) with a lovely surrounding of vineyards and mountains but that does seem very distant now to the big city of Toronto. There are so many things to consider during a time...

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The importance of doing nothing

The importance of doing nothing

In this day and age of instant gratification, constant information flow, and the general speed of doing things, people constantly need to be kept entertained and constantly need to be “seen to be doing something.” If you look at the first graph below you will see the...

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TRUST TO TRUST: DOES A TRUST ELIMINATE ESTATE DUTY?

TRUST TO TRUST: DOES A TRUST ELIMINATE ESTATE DUTY?

Although death and taxes are certain, people are always looking for ways to minimise taxes upon death. In certain instances, people are not even aware of the tax consequences upon death. They may have to pay in excess of 30 percent in costs and taxes - capital gains...

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Seed Market Overview – 31 December 2017

Seed Market Overview – 31 December 2017

Local Market After two calendar years of weaker returns (5% in 2015 and 2.6% in 2016), market prices produced a respectable 21% in 2017. Despite this move up in prices, the 5 year compounded return for the JSE All Share index is only up to 11.9%. Nevertheless, this is...

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