Nicholas Atkins - Financial Advisor

When you’re left to handle everything, the burden is real.

Losing a loved one is heartbreaking, but the administrative and financial responsibilities that follow can feel crushing.

Property transfers become complex and expensive, businesses face disruptions and costly delays, while legal fees, executor costs, and taxes quickly add up. Without proper planning, surviving family members are left navigating mountains of paperwork, potential conflicts, and financial strain during their time of grief.

At Summit Financial Advisory Services, a juristic representative of The Legacy Planning Institute (Pty) Ltd, we ease this burden through professional estate planning. A well-structured Capital Legacy Will provides clear instructions and smooth asset distribution. We combine this with tailored life cover from leading providers like Sanlam, Liberty, and Discovery to ensure liquidity, along with funeral cover from LPI and others. Most importantly, Capital Legacy’s Fee Indemnification Plans (Legacy Protection Plan™) cover executor fees, conveyancing, and winding-up costs so your estate isn’t eroded by expenses.

Plan today to protect tomorrow. Visit my estate planning page at https://nicthefa.co.za/estate-planning/ and let’s create a comprehensive solution that brings clarity, saves costs, and safeguards your family’s future. Contact me today — together we’ll secure their legacy with confidence.

Hey you,
What happens to your family financially the day after you're gone?

Most people have no idea.

Bank accounts can be frozen. Estate costs, legal fees and executor fees still need to be paid.

Having a will is important, but it doesn't guarantee your family will have access to the money needed to wind up your estate quickly and efficiently.

A professionally drafted will, together with estate liquidity planning, can help protect your loved ones from unnecessary delays, costs and stress.

The best estate plan isn't measured by what you leave behind. It's measured by how smoothly your family can move forward.
Calculate your Estate Fees for free: https://nicthefa.co.za/estate-planning/

Moving forward from Yesterday's post. If R30% off your short term insurance premium frees up R400.00 or so. We can easily combine that into a R500.00 per month Retirement Annuity in your children's name, given the level of investment aggression, we could aim to get your child's retirement annuity to R20m by 55.

Thanks to the new 2 pot (actually3, but that's for another day), at 18 your children could do a withdrawal to cover their 1st GWM/BYD/CHERY car or start their business, or pay for independent university (Eduvos)

Calculate what we could get by using this FREE Retirement Calculator I created on my Website: https://nicthefa.co.za/can-you-retire/
Smart money is smart with their money

From a customer slipping on a wet floor, to a contractor damaging property, an employee making a costly mistake, or a visitor getting injured — one claim can wipe out years of hard work.
Yet in South Africa, most business owners are underinsured or have the wrong liability cover. Many SMMEs either have no proper Public Liability protection at all, or their limits are far too low to cover real claims (which can easily run into hundreds of thousands or even millions).
Don’t let a single “oops” moment become a business-ending nightmare.

Get the right liability cover in place today.
Budget-friendly options here: https://nicthefa.co.za/budget-insurance/