Retirement Planning

The primary long-term goal for any personal investment plan is planning for retirement – investing excess income now to provide for a secure and comfortable lifestyle when we no longer can work, or, even better, when we no longer wish to work! Today, with higher career volatility, corporate trends towards outsourcing and pension funds changing from defines benefit to defined contribution, the risk and responsibility for providing for retirement has…

Estate Palnning

Estate planning essentially involves structuring your personal financial affairs in such a way that, upon you death: Estate duty (“death taxes”) are minimized There is liquidity to meet the estate’s financial obligations Inheritances are sufficiently protected for heirs  A common misconception about estate planning is that it revolves solely around life assurance policies. This is incorrect as, although life policies are often taken into account, comprehensive planning involves the structuring…