“Sean has helped me with my financial planning and taxes for many years. He has always been professional, personable and gone the extra mile. I highly recommend his services.”
Gary S.
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Retirement Planning
Crafting your roadmap to a comfortable, financially secure retirement
Retirement planning is a lifelong journey, not a single event. Through Old Mutual Personal Financial Advice, we help you understand how much capital you need, how to get there, and how to sustainably draw income in retirement.
Overview
At SVZ AND ASSOCIATES, we believe retirement planning should begin as early as possible - but it's never too late to start. Whether you're 25 or 55, we can create a strategy that works for your situation and timeline.
Working within Old Mutual Personal Financial Advice, we have access to South Africa's leading retirement products, including Retirement Annuities, preservation funds, and living annuity solutions that can be tailored to your specific income needs.
With the introduction of the two-pot retirement system, the retirement landscape has changed significantly. We help you navigate these changes, understand your options, and make informed decisions that protect your long-term financial security.
What We Offer
01
Retirement Annuity (RA) Optimisation
Maximising your tax-deductible contributions (up to 27.5% of taxable income, capped at R350,000 per year) while selecting funds appropriate for your age and risk profile.
02
Living Annuity Strategies
Designing sustainable drawdown strategies for retirees, balancing income needs with capital preservation to ensure your money lasts your lifetime.
03
Two-Pot System Guidance
Expert advice on navigating the new two-pot retirement system, helping you understand the savings, retirement, and vested components of your fund.
04
Post-Retirement Income Planning
Comprehensive planning for life after work, including choosing between life and living annuities, managing medical expenses, and estate considerations.
05
Retirement Gap Analysis
Calculating the gap between your current savings trajectory and the capital needed for your desired retirement lifestyle, then creating a plan to close that gap.
Client Stories
What retirement planning clients say
9 reviews
“Very happy with the prompt and professional assistance received regarding my tax returns. Would highly recommend.”
Colleen K.
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“Thank you Sean and his brilliant support staff, my Tax profile was a mess and I got an sms stating I owed them money. I reached out to Sean and in a matter of days I got a refund from SARS. Thank you for your brilliant service.”
Alex C.
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“I had been involved in a hit and run and my car was damaged. I was referred to Timeka who has excellent service by the way and super friendly. She helped me get the claim sorted with the insurance and was quick and efficient.”
Tyler K.
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View allFrequently Asked Questions
Common questions about retirement planning - answered by our team.
A common guideline is that you need a capital amount roughly 17 times your desired annual income. So if you want R40,000 per month in retirement, you'd need approximately R8.2 million. However, this varies based on your lifestyle, health, and how long you expect to be in retirement.
Introduced in September 2024, the two-pot system splits your future contributions into a 'savings pot' (one-third, accessible once per year) and a 'retirement pot' (two-thirds, only accessible at retirement). Your pre-September 2024 savings form a 'vested pot' under old rules.
We strongly advise against it except in dire financial emergencies. Early withdrawals are taxed at your marginal rate, and the compounding growth you lose can significantly impact your retirement outcome. Think of the savings pot as emergency-only, not an annual bonus.
It depends on your circumstances. A life annuity guarantees income for life but offers no flexibility or legacy. A living annuity gives you control over drawdown rates and leaves a legacy, but carries longevity risk. We help you choose the right option - or a combination - based on your needs.
As early as possible. Time is your greatest asset thanks to compound interest. Starting at 25 versus 35 can mean a difference of millions at retirement. But even if you're starting late, there are strategies we can use to optimise your outcome.
Retirement Readiness Check
How prepared are you for retirement? Answer these questions to find out.
Question 1 of 4
Do you know how much you need to retire?
Start Planning for the Retirement You Deserve
Whether retirement is decades away or just around the corner, the best time to plan is now. Let's have a conversation about your future.