Your business can be profitable and you can still be underfunded for retirement.
We see it constantly among Cape Town business owners: every rand is reinvested into the company, and personal retirement provision quietly falls to zero. This is how we fix that without starving the business.
Fit, before figures
This is for you if
- You're a business owner drawing irregular income and have no formal retirement annuity
- You've maxed out your tax-free savings allowance question and don't actually know your limits
- You're within 10 years of wanting to exit or sell the business and haven't planned the proceeds
- Your estate plan hasn't been reviewed since the company was registered
Not the right fit if
- You're already working with a dedicated wealth manager and just need tax filing support (see our tax planning service instead)
- You're looking for high-frequency trading or speculative investment advice — we don't offer that
- Your primary need is a personal budget, not structured retirement or estate planning
Tick what's true
The pattern tells you more than any single answer.
0–1 ticked: You're in reasonable shape — a light annual review will keep it that way.
2–3 ticked: There are real gaps worth closing before they become expensive. Worth a session.
4–5 ticked: This is exactly the profile we build a full retirement and estate plan around. Let's talk soon.
The Dastivo Provision Method
Four phases, run once and then revisited every year, so the plan keeps pace with the business.
Position
A full inventory of existing retirement annuities, pension funds, tax-free savings, and business equity, converted into a single net-worth-at-retirement projection.
Structure
Retirement contributions, tax-free savings, and offshore allowance are sequenced against South African tax brackets to maximise what's retained, not just what's saved.
Protect
Will, buy-and-sell agreement, and beneficiary nominations reviewed against current estate duty and CGT rules so the structure survives incapacity or death, not just retirement.
Review
An annual sit-down that re-runs the projection against actual contributions, business valuation changes, and any legislative shifts from the annual Budget Speech.
Retirement conversations don't happen in spreadsheets alone
Every projection we hand over is walked through in person — what it means for the business, for your family, and for the year you actually want to stop working.
Find out what your business owning has cost your retirement — and fix it.
One session. Bring your last retirement annuity statement and a rough sense of what the business might be worth. We'll do the rest.