South African Expat options in lieu of the new tax changes on foreign employment income
Articles | Personal Income Tax

South African Expat options in lieu of the new tax changes on foreign employment income

Should you formally emigrate?  Is financial emigration the best route or can South African expats rely on Double Taxation Agreements (DTAs)?  The changes to Section 10(1)(o)(ii) of the Income Tax Act is looming for South Africans working abroad.  With just more than twelve months to go, South African expats are scrambling to determine what their…

The Infinity CPD Membership for Financial Professionals
Articles | CPD | Practice Management

The Infinity CPD Membership for Financial Professionals

Our online platform, Circulus Online, launched the Infinity CPD Membership in July 2018 with the purpose of providing financial professionals with the best content at the best price to enable their continued professional development. All content has one aim. To grow your business. All CPD content, programs, and courses are designed and built to achieve this. That is what makes…

Session Privée for Financial Professionals
Articles | General

Session Privée for Financial Professionals

On Thursday 20 September 2018 we launched our brand new offering called Session Privée.  Session Privée is French for “private sessions”. Session Privée offers face-to-face sessions to financial planners, advisers, broker consultants, paraplanners, accountants, bookkeepers, and tax practitioners. Watch the 1-minute launch video: How many people can attend a session? Attendance is limited to only 8…

Not all things free are free
Articles | General

Not all things free are free

I am convinced we all agree that information is extremely valuable. The right information at the right time in the right place can change our lives. How can we really attach a value to that? Stewart Brand said at the first Hackers Conference in 1984 that information wants to be expensive because it is so…

Exemption of Services Under Supervision – New Consultation Paper – Impact on new Fit and Proper Requirements
Articles | General | Practice Management

Exemption of Services Under Supervision – New Consultation Paper – Impact on new Fit and Proper Requirements

The FSCA published a new consultation paper on “Exemption of Services under Supervision” dated 31 July 2018. We highlight the proposed changes that impact the Fit and Proper requirements specifically.  The paper addresses more than just the Fit and Proper requirements and we will provide more details in a follow-up article. You can download the consultation…

Is avoiding our client’s income tax position costing us?
Articles | Capital Gains Tax | Personal Income Tax | Practice Management

Is avoiding our client’s income tax position costing us?

The majority of financial planners I have the privilege to engage with say they avoid the area of income tax when it comes to their clients’ planning. Why?  They believe it is a specialist field that is best when left to tax practitioners and accountants. They believe it is a high-risk area due to its…

Are you a Financial Planner to Healthcare Practitioners?
Articles | Business Assurance | Financial Planning | General

Are you a Financial Planner to Healthcare Practitioners?

Did you know? Recently, a number of Financial Planners have contacted me regarding planning for Healthcare Practitioners. Their questions included: A doctor wants to explore options to reduce his tax liability. Can he register a Private Company? If so, would this be tax-efficient? A family member of the Healthcare Practitioner wants to invest in her…

Financial planning wars?
Articles | Financial Planning

Financial planning wars?

Are we an industry or a profession? Financial planners or financial advisers? Do we help clients secure their futures or are we only concerned with our own? Over the past few months, I have witnessed different financial services role-players become more and more vocal about their views. I fully support robust debate; what does concern…