Before your family inherits anything, estate duty, executor fees, capital gains tax and poor structure may already be reducing what they receive. Money Secrets SA helps South Africans understand the numbers, and the legal strategies that reduce them.
Indicative estimate based on current 2025/26 SARS rates. Actual figures depend on your full estate composition and the planning in place.
SARS levies estate duty on everything above the R3.5M abatement. On a R5M estate with no planning, that's R300,000 gone.
SARS · 2025/26
Your executor charges a percentage of the gross estate. On R4M that's up to R160,000 before a single cent reaches your family.
Master's Directive · Negotiable
Death triggers a deemed disposal. Investments, property, and business interests can all attract CGT, often the biggest surprise.
Deemed disposal
No will, no trust, no proper entity structure: delays, frozen assets, family disputes. The most preventable cost, and the most common.
Avoidable with planning
Two families can hold the exact same assets and leave very different outcomes for the people they love. The difference is structure, and most people never learn this until it is too late.
The right ownership structure can legally reduce estate duty, protect assets from executor fees, simplify transfer to your heirs, and keep your family out of prolonged legal processes. The wrong structure does the opposite.
See how the 15 modules cover thisNot for tax experts. Not for the ultra-wealthy. For everyday South African families who have spent years building something worth protecting.
"Make sure your family receives what you actually built for them."
"Protect your business and your family with the right structure."
"Stop guessing. Start building wealth the protected way."
Every version covers the same 15-module wealth protection system. Pick the format that fits how you work.
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A parent, a spouse, a sibling. Someone who worked for years, made decisions, took risks, and built something worth protecting. The people depending on that effort should not lose it to poor planning or costs that were entirely avoidable.
Your planning today can protect your family tomorrow. Not just the value of what you own, but how cleanly and quickly it reaches them.
"Your family does not only inherit your assets. They inherit the way those assets were structured."
Open the system, work through it. If it's not worth the price, email us within 7 days for a full refund. No difficult questions. We're confident enough in the value to back it completely.
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