Retirement Benefit Counselling
Independent guidance on your options when leaving employment or retiring
When you leave employment or reach retirement age, the decisions you make about your retirement fund proceeds are among the most consequential of your financial life. We provide independent, unbiased guidance on every available option — from preservation funds to annuity selection — including the tax and estate implications of each path.
What's Included
A planning engagement should clarify the moving parts before specific recommendations are made.
Living annuity or life annuity? The right answer depends on your income needs, health, estate wishes, and risk tolerance. We model both options against your specific circumstances before you commit.
Moving your retirement savings to a pension or provident preservation fund when leaving employment protects the tax-deferred compounding and preserves your Section 10C vested rights. We guide you through the options.
The 2024 two-pot retirement system changes how your savings are split and accessed. We explain the impact on your specific fund and help you avoid costly early withdrawal decisions.
Retirement lump sums are taxed using the retirement lump sum tax table — but timing and structuring affect the outcome. We model your tax position across different retirement scenarios.
Living annuity proceeds can be passed to nominated beneficiaries outside your estate. Life annuities cease on death. These differences have profound estate planning consequences we help you understand.
Our Process
The process keeps discovery, advice, implementation, and review connected.
Review of your current retirement fund balance, fund type, and employer scheme rules
Modelling of tax implications across preservation, cash-out, and annuity options
Annuity provider comparison — rates, fees, and terms across leading SA providers
Nomination and beneficiary review
Implementation support and post-retirement review
Engagement Scope
Fees and service levels should be confirmed in the advice proposal after discovery.
Typical Scope:
- Full retirement options analysis
- Tax modelling
- Annuity provider comparison
- Implementation guidance
Discuss Your Retirement Benefit Counselling Needs
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Ask us anything about retirement benefit counselling — no obligation.
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