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In planning for retirement, one ought to do a Financial Needs Analysis to ensure that you will have sufficient funds set aside, to maintain your lifestyle after retirement.

Your values of existing Provident/ Pension Fund, Retirement Annuities and other savings will normally not be enough to do this.

This could be due to one or more of the following reasons:

 - Starting too late

- Smaller starting salaries

- Changing employment and not preserving the Provident fund savings

- Incorrect budgeting or priorities of spending

It is essential to address the shortfall as soon as possible, even if it entails sacrificing something else.

We will assist you to structure and implement a savings plan to do this. We all know of retired friends and family who are struggling to keep up with the rising costs of living.


If you are about to retire, there many aspects to plan for and consider and based on many years of experience of doing this, we can assist you in your planning.

Budgeting is crucial. Part of your retirement funds will be tax-free, and part will have to be invested in a compulsary Annuity.

Your current budget should be reviewed, debts should be settled and costs should be cut where possible.