In this episode, Pieter de Villiers and Eben Nel, Research Associate at Nelson Mandela University and Counselor of FISA, discuss the complexities of estate planning through trusts, including when they make sense, their benefits, and legal considerations. Learn how trusts can protect wealth, facilitate long-term planning, and the importance of proper setup and management.

Chapters

• 00:00 Introduction to Trusts and Estate Planning
• 01:11 Understanding the Purpose of Trusts
• 05:25 When to Consider a Trust
• 08:32 Evaluating Wealth and Trust Necessity
• 10:27 The Role of Testamentary Trusts
• 11:24 Legal Implications of Trust Control
• 18:06 Managing Dormant Trusts and Responsibilities

Learn more about how FISA can help you here.

Send us Fan Mail

Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

In this episode, Warren Ingram and Pieter de Villiers explore the complexities of investment taxes, including income tax, dividends tax, and capital gains tax, and how they impact your investment returns over time. Our experts clarify common misconceptions and provide practical insights on managing tax efficiently in your investment strategy.

Chapters

00:00 Introduction to Investment Taxes and Their Importance
02:16 Practical Overview of How Taxes Work on Shares
05:02 Income Tax and Its Impact on Investments
06:21 Comparison of Different Tax Types on Investment Returns
07:09 Additional Taxes and Indirect Tax Considerations
08:58 Investment Strategy: Growth First, Tax Second
10:14 The Cost of Paying Excessive Tax on Interest
12:04 Retirement and De-Risking Investment Portfolios
13:24 Asset Allocation and Tax-Efficient Investing
14:23 Conclusion and Key Takeaways on Investment Taxes


Learn more about how Curate Investments can help you here.

Send us Fan Mail

Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

In this episode, Pieter de Villiers and Ricky Opperman Knipe, Director of Marketing and Communications at Sentinel International Group, and Counselor of FISA, discuss the critical importance of wills, common mistakes, and how to properly plan for estate succession, especially for parents and business owners.

Chapters

• 00:00 Introduction to estate planning and the importance of wills
• 00:29 Why a will is one of the most important documents in your life
• 02:15 Consequences of passing away without a will
• 04:37 Handling estate assets for parents with minor children
• 05:57 What happens to business shares without a will
• 09:19 Legal requirements for a valid will in South Africa
• 13:07 Common mistakes in drafting a will and how to avoid them
• 17:46 Dealing with offshore assets and international estates
• 26:30 When and how to review and update your will
• 34:03 Managing crypto assets and digital inheritance
• 36:37 Best practices for storing and safeguarding your will

Learn more about how FISA can help you here.

Send us Fan Mail

Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

In this episode, Warren Ingram invites Robert Edwards to speak about his inspiring journey from a successful career in London to traveling the world and writing his book 'Quit, Travel, Grow.' Discover insights on financial independence, intentional living, and the transformative power of travel.

Chapters

• 0:00 Meet Robert Edwards and his unusual career path
• 1:37 Why Robert wrote Quit, Travel, Grow
• 2:56 Financial discipline and the power of being intentional
• 4:05 London life, lifestyle trade-offs, and the real cost of earning more
• 6:57 The mid-30s plateau and the urge for change
• 8:25 How a quick decision became a 12-month travel journey
• 9:18 Why Robert chose countries off the usual travel path
• 10:17 Money, culture, and what people want everywhere
• 11:59 Getting mugged in Colombia and what it taught him
• 13:26 Why perspective matters when comparing South Africa to the world
• 16:09 Ending the trip and coming home after a year away
• 17:19 Best-value destinations for South Africans to travel to
• 22:10 What financial freedom really means
• 24:01 The lesson Robert would teach his 21-year-old self
• 25:56 Final thoughts and book title reveal

Want a copy of Robert's book? Find a physical copy here or the ebook version here.

Learn more about Prescient Investment Management here.

Send us Fan Mail

Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

In this episode, Pieter de Villiers and guest speaker Angélique Krügel, FISA counselor and director of Wealth and Legacy Group, break down estate planning into simple terms, explaining its importance, process, and common pitfalls. Perfect for anyone looking to understand how to protect their assets and ensure their wishes are honored after passing.

Chapters

• 00:00 Introduction to estate planning and guest introduction
• 01:10 What is estate planning? Simplified explanation
• 02:23 Why estate planning is often overlooked
• 02:54 What happens when you pass away? The estate process
• 03:47 Assets involved in estate planning: property, aircraft, and financial products
• 05:46 The relationship between wills and estate planning
• 07:07 Nomination of beneficiaries and the role of trustees
• 07:59 Liquidity issues in estate management
• 09:19 Tax implications: estate duty, capital gains tax, and transfer costs
• 10:50 Handling estate liquidity shortfalls and asset liquidation
• 12:21 Legal considerations for guardians and minors
• 14:24 The importance of updating estate plans regularly
• 15:26 Dealing with debt and insolvency in estate planning
• 16:18 Loans, trusts, and asset transfers in estate planning
• 18:01 International assets and cross-jurisdiction estate planning
• 22:38 Common mistakes in estate planning and how to prevent them
• 23:53 The importance of professional guidance and early planning
• 25:21 Final thoughts: estate planning for everyone

Learn more about how FISA can help you here.

Send us Fan Mail

Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

In this episode, Warren Ingram and Pieter de Villiers discuss when and why to seek professional financial advice, the different types of engagement with financial planners, and how to determine the right approach for your life stage and personality.

Chapters

• 00:00 Introduction and overview of questions about financial advice
• 00:28 The importance of understanding your own financial personality
• 02:06 When does it make sense to seek professional financial help?
• 03:18 The three broad personality groups: DIYers, delegators, and validators
• 04:44 The control and control aversion in financial decision-making
• 07:28 The value of financial literacy and continuous learning
• 11:47 Life stages and their impact on financial planning needs
• 14:34 Different ways to engage with a financial planner
• 17:18 The importance of accountability and external perspectives
• 20:50 The risks of overconfidence and blind trust in financial decisions
• 23:47 The analogy of medical advice and the importance of professional guidance
• 25:40 How to choose the right financial advisor and engagement model
• 27:04 Closing remarks and encouragement to ask questions

Learn more about how Curate Investments can help you here.

Send us Fan Mail

Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

In this episode, Warren Ingram invites Jan du Plessis, CEO of the Fiduciary Institute of Southern Africa (FISA), to do a series on the importance of estate planning for all South Africans. They discuss common pitfalls, legal requirements, and practical tips to ensure your estate is in order and your loved ones are protected.

Chapters

• 00:00 Why Estate Planning Matters for Everyone
• 02:01 The Most Common Estate Planning Mistakes
• 04:25 Why Wills Need Regular Updates
• 07:58 Guardianship, Children, and Trusts
• 12:07 Divorce and Invalid Wills
• 13:21 What Makes a Will Legally Valid
• 16:04 Undue Influence and Inheritance Disputes
• 20:49 Why Fiduciary Professionals Matter
• 23:35 Final Advice: Don’t Leave It to Chance

Learn more about how FISA can help you here.

Send us Fan Mail

Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

In this episode, Warren Ingram and Pieter de Villiers invite guest speaker George Kusche to talk through his remarkable journey of winning the Comrades Marathon while balancing full-time studies in actuarial science, family, and personal development. Discover how he maintains focus, consistency, and purpose across multiple demanding areas of life.

Chapters

• 00:00 Introduction to George Kusher
• 02:23 Balancing Life and Ambition
• 05:43 The Path to Becoming a Comrades Champion
• 10:27 Mental Strategies During Races
• 15:29 The Journey vs. Destination
• 20:43 Overcoming Challenges and Finding Fulfillment
• 22:35 The Science of Training and Sharing Knowledge

https://www.gorunmore.com

Learn more about Prescient Investment Management here.

Send us Fan Mail

Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod