Making better choices
is not always this easy

 

Financial Planning Services

We are independent Financial Planners

The difference between where we are (current status) and where we want to be (vision and goals) is what we do (target objectives and action plans).

The process of setting goals helps you choose where you want to go in life. By knowing precisely what you want to achieve, you know where you have to concentrate your efforts. You'll also quickly spot the distractions that would otherwise lure you from your course.

Our financial planners work out holistic financial plans for individuals in their private capacity as well as corporate clients.

Approach to Financial Planning

Some of the aspects that are covered during our financial planning include:

  • Debt Consolidation/ Elimination
  • Insurance and Health Planning
  • Investment Planning
  • Estate Planning
  • Retirement Planning (Pre, post and during retirement)
  • Tax Advice
  • Money Personality Profiling

Financial Planning Process

This approach to Financial planning provides clients with:

  • Financial solutions which are driven by your personal values and lifestyle goals
  • We use an internationally recognised and accepted methodology
  • We align your assurance and investment portfolios with your lifestyle goals
  • We monitor your progress and make adjustments where necessary to help you achieve your lifestyle goals

Olemera Financial Planners in Johannesburg

Contact our financial planners in Johannesburg for expert financial planning advice and assistance.

 

 

Estate Planning in South Africa - The Do’s and Don’ts

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Estate planning is a complex process that requires careful consideration and attention to detail. Even with the best intentions, it’s easy to make mistakes that can lead to unintended consequences, such as disputes among heirs, unnecessary taxes, or the mismanagement of assets.

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Posted by Gary Walker on Thursday, September 19, 2024 Views: 105


A Comprehensive Guide to Estate Planning in South Africa

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The key purpose of estate planning is to ensure that your estate is distributed according to your wishes and that your loved ones are taken care of after your passing. It also involves planning to reduce taxes, legal fees, and court costs.

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Posted by Gary Walker on Wednesday, August 21, 2024 Views: 392


Personal Financial Planning - A Comprehensive Guide

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Personal financial planning is the process of managing your financial resources to achieve your life goals. This includes budgeting, managing cash flow, planning for retirement, saving and investing, handling taxes, protecting against risks, and preparing for major life events such as education and estate planning.

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Posted by Gary Walker on Wednesday, July 24, 2024 Views: 291


Understanding Retirement Benefits in South Africa

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Retirement planning is a critical aspect of securing a comfortable and financially stable future. In South Africa, there are various retirement benefits designed to help individuals save for their retirement years.

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Posted by Gary Walker on Tuesday, June 25, 2024 Views: 775


The Basics of Retirement Planning in South Africa

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Planning for retirement is a crucial aspect of financial security, ensuring you have the means to maintain your lifestyle and cover essential expenses in your later years. In South Africa, understanding the various components of retirement planning can help you make informed decisions that safeguard your future.

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Posted by Gary Walker on Tuesday, June 11, 2024 Views: 474


Taxation of Trusts in South Africa

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Taxation of trusts in South Africa is a critical aspect of managing these legal entities, both for financial planning and legal compliance. Understanding these tax laws is essential for anyone involved in personal financial planning or managing a trust.

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Posted by Gary Walker on Tuesday, May 28, 2024 Views: 1931


Let’s Talk About Trusts in South Africa

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Trusts serve multiple purposes: they can protect assets, ensure that they are distributed according to the wishes of the person who sets up the trust (the settlor), and offer potential tax advantages.

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Posted by Gary Walker on Thursday, May 9, 2024 Views: 1632


The Importance of Financial Literacy for Single Mothers

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Financial literacy empowers single mothers to make informed decisions, navigate financial challenges, and take control of their financial destinies. This guide aims to provide crucial financial knowledge and practical tips tailored specifically to help single mothers enhance their financial well-being.

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Posted by Gary Walker on Monday, April 29, 2024 Views: 1186


Navigating Financial Challenges – A Guide for Single Mothers in South Africa

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Single mothers in South Africa face unique financial challenges. From the high cost of childcare to the difficulty of securing well-paying, flexible jobs, the economic pressures can be overwhelming.

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Posted by Gary Walker on Wednesday, April 10, 2024 Views: 1653


Inheritance Tax and Beneficiary Rights in South Africa

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In South Africa, "inheritance tax" is a term commonly used to refer to estate duty, a tax levied on the property of deceased persons. However, it's important to note that the financial implications don't stop there. Other taxes, such as Capital Gains Tax (CGT), and concepts like death duties, also play critical roles in the financial landscape of inheritance.

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Posted by Gary Walker on Thursday, March 28, 2024 Views: 1875