Our wealth managers take time to get to know you and to understand what you want to achieve. Once we have a deeper understanding of your life goals, your financial expectations and your needs, our wealth managers will work with you to provide personalised advice, measure and assess the investment landscapes and use global best practice insights and trends to help you not only leave a legacy but to live your legacy.

Making sense of your overall financial situation can give you a renewed opportunity to consider what matters most to you and what you want to protect in your life. Estate planning is more than the protection of your accumulated wealth. It means planning for a future where you and your loved ones can connect to achieve shared goals such as:

• generating future cash flows that meet your lifestyle needs
• distributing your wealth the way you want, cost effectively and tax efficiently
• preserving wealth for your future generations

We offer local and international families long-term tax planning and structuring solutions. Our legal and tax advice also includes a detailed analysis of tax and regulatory implications on your day-to-day transactions.

We understand that multi-dimensional, cross-border tax management can lead to family conflicts. Our wealth managers offer realistic, practical and commercial advice, without delay, so that conflicts are avoided and you and your family can achieve your financial goals.

If you have been looking at emigrating, you probably already know that since 1 March 2021, SARS has made this process more complex. Formalising your non-resident tax status for tax and exchange control now requires a deeper understanding of the tax laws to protect your wealth from expat tax and make sure your foreign-earned income stays tax-exempt in South Africa. Our wealth managers have extensive knowledge and experience in financial emigration and can provide you with up-to-date insights and advice, making this process more streamlined and less burdensome.

Your net worth, and what you have accumulated up to now, is worth growing and protecting. Investing offshore presents a good opportunity to access broader markets, diversify sources of your investment return and potentially benefit from movements in exchange rates. Investing offshore will also protect your wealth against the depreciating rand, and political and economic risk.

We develop tailor-made offshore investment solutions that aim to enhance the risk-return balance within your investment portfolio. Our solutions are tax-efficient and include facilitating the foreign exchange transfer with SARS, effectively freeing up your time so that you can focus on what matters to you most.

The financial universe offers a wide variety of inventive products that promise clients difficult-to-find outcomes like high, guaranteed rates of return with no risk to capital. While some of these products are legitimate, a fair share of them are nothing short of good marketing strategies that result in financial losses. Before recommending products, we investigate them using strict criteria and various approval processes.

There are, however, well-engineered structured products that can add value to your financial planning. For example, Section 12J of the Income Tax Act created tax benefits for individuals who invested in local companies. Although this incentive is no longer available, our advisers used the opportunity to provide clients with valuable solutions. Our wealth managers anticipate clients’ needs and stay alert to new opportunities to create tailored solutions.

Our technical expertise and commercial experience will guide you to realise your vision for intergenerational succession. As part of the wider Alexforbes group, our wealth managers have access to highly qualified accountants, lawyers and trust officers who are proficient in establishing and administering trust structures that will protect your wealth and help you to leave a lasting legacy for your loved ones.

Our corporate employee benefit solutions will help you to navigate an increasingly complex legal and regulatory landscape. Our wealth managers work with small, medium and large local and international companies, bringing with them a wealth of knowledge and the latest trends for maximum impact. We pioneer insight to deliver advice and solutions that help influence the right financial decisions for your business and for your biggest asset: your people.