How a Thoughtful Retirement Plan Helped a Johannesburg Couple Secure Their Future

October 28, 2026 by MyDailyLink Staff
How a Thoughtful Retirement Plan Helped a Johannesburg Couple Secure Their Future

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From Uncertainty to Clarity: The Start of Their Journey

When Mark and Mbali met with our certified financial advisor, they admitted to feeling overwhelmed by complex investment jargon and unclear tax rules. Our first step was simple — to listen. We assessed their financial goals, family needs, and business setup to build a roadmap that was both realistic and rewarding.

✔ Consolidated old pension and provident funds into a DWD Preservation Fund
✔ Set up a DWD Retirement Annuity for tax-efficient long-term savings
✔ Created an emergency reserve through a Tax-Free Savings Account
✔ Established a DWD Living Annuity to generate income post-retirement

Building a Plan That Protects and Grows Wealth

Through our integrated wealth and risk management solutions, Mark and Lerato now enjoy the peace of mind that comes from knowing their assets are safeguarded and their future income secured.

✔ Tax planning strategies to minimize unnecessary deductions
✔ Estate planning to ensure their children benefit from their success
✔ Ongoing wealth management to keep their investments aligned with inflation and growth

A Legacy of Financial Confidence

Today, Mark and Mbali serve as a reminder that financial security isn’t just about numbers — it’s about taking that first step toward clarity. At DWD Financial Planners, we believe every family deserves that same confidence in their future.

If you’re ready to start your own journey toward a stable retirement, contact us today.

📍 DWD Financial Planners – Building Secure Futures with Confidence.

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Prosper Tomorrow.
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Financial Calculators

Find out if you are on track for retirement — and how much more you need to save. Powered by 8% p.a. growth assumptions. Estimates only; speak to DWD for a personalised projection.

Calculate exactly how much life cover your family needs if something happens to you — including income replacement, debt clearance, and education funding.

Estimate how much SARS tax you will pay on your pension or provident lump sum using the official 2024/25 retirement fund tax tables. For amounts above R3 million, contact DWD directly.

Answer 10 quick yes/no questions to identify gaps in your estate plan — and get personalised recommendations from DWD's estate planning specialists.

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Include RA, pension/provident fund, and other long-term investments.
Include employer and employee contributions to pension, provident, and RA.

Projected Savings at Retirement

R 0
Readiness Analysis Fair
Years to retirement 25 years
Retirement income target R 0
Monthly income in retirement R 0
Funding gap / surplus —
Additional monthly needed —

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2
Include a spouse/partner, children, and any other people dependent on your income.
Include home loan, vehicle finance, credit cards, and personal loans.
Include employer group life, personal policies, and funeral cover.

Total Life Cover Recommended

R 0
Cover Breakdown Underinsured
Income replacement (10× annual) R 0
Debt clearance R 0
Education fund for dependents R 0
Estate & executor costs (est.) R 50,000
Less: existing cover R 0
Cover gap / surplus —
Est. monthly premium range —
Recommended product type —

Get an exact life cover quote from DWD — we compare multiple providers to find you the best value.

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R 500,000
Slide to select your lump sum amount up to R3 million. Contact DWD for larger amounts.
Retirement and retrenchment attract a more favourable tax rate with a higher tax-free threshold.
SARS aggregates all lifetime retirement fund withdrawals when applying the tax tables. This reduces the tax-free portion available.
SARS 2024/25 Tax Tables Applied This estimator uses the official SARS retirement fund lump sum tax tables. Tax on retirement/retrenchment: R0–R550,000 @ 0%, R550,001–R770,000 @ 18%, R770,001–R1,155,000 @ 27%, above R1,155,000 @ 36%. Speak to DWD for a precise calculation based on your full retirement history.

Estimated Net Payout (after tax)

R 500,000
Tax Breakdown 0% rate
Gross lump sum R 500,000
Tax-free portion R 500,000
SARS tax payable R 0
Net payout R 500,000
Effective tax rate 0.0%
Marginal tax rate (top bracket) 0%

DWD can help you structure your retirement lump sum to minimise SARS tax — including preservation fund strategies.

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Your progress 0 of 10 answered

1. Do you have a valid, signed will that has been updated in the last 5 years?

2. Are your beneficiary nominations up to date on all policies and retirement funds?

3. Have you nominated an executor in your will to administer your estate?

4. Do you have life cover sufficient to cover estate duties, executor fees, and outstanding debts?

5. Have you considered the estate duty implications on your assets? (Estate duty applies above R3.5 million at 20%.)

6. If you have minor children, have you nominated a legal guardian in your will?

7. Have you considered a testamentary trust to protect assets left to minor or vulnerable beneficiaries?

8. Do you have a Tax-Free Savings Account (TFSA) or endowment policy as part of your wealth strategy?

9. Is a trusted family member aware of the location of your will, policies, and important financial documents?

10. Have you reviewed your estate plan with a qualified financial planner in the last 3 years?

— / 10
Answer to see your score

Answer all 10 questions to get your personalised estate planning readiness rating and a list of gaps DWD can help you address.

Gaps identified — DWD recommends:

Complete all 10 questions to unlock your free estate planning assessment.

Book a Free Estate Planning Review Call 082 783 3369

DWD Financial Planners Areas Served

Lethabong, South Africa , Sandton, South Africa , Alberton, South Africa , Bedfordview, South Africa , Germiston, South Africa , Roodepoort, South Africa , Johannesburg South, South Africa , Centurion, South Africa , Randburg, South Africa , Krugersdorp, South Africa , Midrand, South Africa , Benoni, South Africa , Kempton Park, South Africa , Soweto, South Africa , Phoenix, South Africa , Pretoria, South Africa , Bloemfontein, South Africa , Cape Town, South Africa , Pietermaritzburg, South Africa , Gillitts, South Africa , Berea, South Africa , Umhlanga, South Africa , East London, South Africa , Port Elizabeth, South Africa , Polokwane, South Africa

Frequently Asked Questions

What is a retirement annuity and how does it work?
A retirement annuity is a personal investment plan designed to help you save for retirement in a tax-efficient way. It allows you to contribute regularly and access your savings once you reach retirement age.
What makes DWD Financial Planners different from other financial advisors?
We provide personalized, independent advice focused on your unique lifestyle, combining financial planning, wealth management, and risk protection under one roof.
How early should I start planning for retirement?
Ideally, as early as possible — even in your 20s or 30s. The earlier you start, the more your investments can benefit from compounding growth.
Can DWD help if I already have a pension or provident fund?
Yes. We specialize in fund preservation and consolidation to help you manage your retirement savings more effectively and maximize returns.
Is my financial plan reviewed regularly?
Absolutely. We review all client portfolios annually (or on request) to ensure your financial plan stays aligned with your goals and market changes.