01
What Your Family Stands to Lose
Your opening calculator. Enter your estate and see the total loss in rands under current SARS rules with no planning in place.
🧮 Live calculator
What's Inside
15 modules. Every legal wealth protection strategy for South African families.
Every number is current 2025/26 SARS law. Every module includes a live calculator so you work with your own numbers, not hypotheticals.
02
How Estate Duty Works in South Africa
Exactly how SARS calculates estate duty, what qualifies for abatement, and how the 20% rate applies to your estate.
📊 Duty calculator
03
Executor Fees: The Hidden Cost
Why executor fees can run to hundreds of thousands, what the Master's Directive allows, and how to negotiate or reduce them.
💡 Negotiation guide
04
Capital Gains Tax on Death
How deemed disposal works, which assets trigger CGT at death, and what the inclusion rate means for your portfolio and property.
🧮 CGT calculator
05
The Will: What It Does and Doesn't Protect
A valid will is not enough. Learn what it can and cannot do, and what an executor will actually do with your estate.
📋 Will checklist
06
Testamentary Trusts for Minor Children
Why a standard will leaves minor children's inheritance in the hands of the Master of the High Court, and how a testamentary trust solves this.
👨👩👧 Parent-critical
07
The Inter Vivos Trust: How It Works
What a living trust does, how it moves assets outside your estate, who should be a trustee, and whether it is worth the cost for your situation.
🏛️ Structure guide
08
The Family Trust + (Pty) Ltd Structure
How combining a Family Trust with a private company protects assets, limits liability, and enables legal income splitting.
🏗️ Combined structure
09
Legal Income Splitting Across Family Members
How to distribute income to lower-taxed family members using a trust, legally reducing your family's total tax bill.
🧮 Tax saving calculator
10
Retirement Annuities as Estate-Planning Tools
Why RA balances fall outside your estate at death, how to structure beneficiary nominations, and how to use RAs strategically.
📈 RA optimisation
11
Endowments and Offshore Allowances
How endowments work for estate planning, the R11M offshore annual allowance, and how to use them together for asset protection beyond SA borders.
🌍 Offshore strategy
12
Reducing Estate Duty: Every Legal Strategy
Every strategy in South African law: donations, debt, estate freezing, life policies, and more · explained clearly.
⚖️ Legal reduction guide
13
Business Succession Planning
How to separate personal and business assets, structure a buyout, protect your family if the business is your biggest asset.
🏢 Business owners
14
Your 15-Point Estate Planning Checklist
A comprehensive, prioritised action list · from your will and trust to beneficiary nominations and liquidity planning.
✅ Implementation checklist
15
Preparing for Your Attorney: What to Discuss
A step-by-step roadmap for your first meeting with an estate-planning attorney. Arrive informed, not overwhelmed.
🗺️ Professional roadmap