South Africa is on the cusp of one of the largest intergenerational wealth transfers in its history. With over 30% of high-net-worth individuals (HNWIs) now over the age of 60, the next decade is expected to see trillions of rands passed down to younger generations.

The move from a structured, purpose-driven life to an open canvas can stir excitement, uncertainty, and even fear. While financial readiness is essential, emotional readiness is equally vital. This is the art of transition: learning to navigate the psychological, emotional, and social shifts that accompany retirement.

After 15 years of retirement, Jan felt his portfolio was being neglected — and that his advisory fee was too high. Here’s how we helped him build a more robust, tax-efficient retirement strategy while cutting advice costs by over R230,000 per year.