Kemp Financial

Bespoke solutions tailored to your needs. Whether it be Estate planning, risk planning, investment planning or retirement planning there is a solution for you. Shari'ah compliant solutions are also offered. All clients receive a complimentary Will draft backed by South Africa's leading provider of Wills and fiduciary services, Capital Legacy.

Let's plan and leave behind a lasting legacy!

Our unique, first-to-market Tazkiya™ Legacy Protection Plan™ is a complete Shari’ah-compliant solution that accompanies your Islamic Will, honouring your faith by providing for your Islamic Heirs and covering you, and your loved ones from the inevitable legal fees associated with death.

For more info, speak to your Financial Advisor or visit: www.tazkiya.co.za

May this Ramadan bring barakah into your life and be spiritually uplifting and fulfilling for you and your family.

Did you know that more than 70% of South Africans pass away without a Will, leaving their family in a mess? Get your Shari’ah-compliant Will drafted at no cost.
Send us a Direct Message, speak to your Financial Advisor or visit www.tazkiya.co.za

Sales Agents
We're expanding and we are inviting you to join a Dynamic Real Estate Team and brand.

Are you an aspiring property professional looking to be a part of an ever-growing team and an ever-evolving brand??

We offer :
Free certified proficiency course
Online training and support
Continuous training and development

Requirements:
Own laptop, vehicle and cell phone.

Being a part of our team means the potential to become a highly successful property professional.

To apply please send your CV to [email protected] Or
0828234175 🟡

Being in control of your finances is more than just about making ends meet or being able to survive the month from pay check to pay check. Having a successful Financial plan and the discipline to see it through is ultimately what would determine how you grow financially.

Whether it be Health, wealth or succession planning the approach should be the same, set yourself goals and have a plan in place to milestone every step of the way.

Allow me to walk this journey with you and together we can leave a lasting legacy.

Make use of my free Will drafting backed by South Africa's leading provider of Wills and Estate planning

For all your Financial planning needs contact Ziyaad Kemp 0629190744

𝗪𝗵𝗮𝘁 𝗶𝘀 𝗮 𝗪𝗶𝗹𝗹?

Your Will is probably the most important document you’ll ever sign. A Will, also known as a Last Will and Testament, is a legal document that stipulates how and to whom your assets (for example your property/ies, cars, jewellery, investments etc.), should be distributed when you die.

Your Will would include detail of your last wishes, such as whether you want to be buried or cremated and who you wish to be your children’s guardian, should you pass away while they are still young. A Will also names a person as the Executor of the Estate, and that person is responsible for administering the Estate. It is important that you make sure your Will complies with the Wills Act to ensure it is valid. Visit our website to increase your knowledge about this important topic: https://www.capitallegacy.co.za/your-will

SA’s #1 Wills & Estates Specialists

TOP 5 CONSEQUENCES OF NOT HAVING A WILL
You forfeit the opportunity to decide who inherits what and your Estate is distributed according to South African law. This means people who you may not have wanted to benefit from your Estate may inherit your Estate.

Your Partner may be left with nothing if you are not married or your Will is not updated from a previous marriage.

Your Children’s inheritance could pass to the Government Guardian’s Fund or appointed Guardian rather than to a Trust that will ensure your wishes for them are carried out.

Family feuds often occur when family members argue over the distribution of your Estate when final wishes are not clearly documented in a Will.

Winding up your Estate can take years – without a Will appointing a professional Executor, the government is essentially in control of the process.

TOP 5 IMPORTANT COSTS OF DYING
Executor fees – You need a professional to wind up your Estate. Professionals cost money and executors can charge up to 3.5% + VAT of the value of your Estate in order to do the work. This could be hundreds of thousands of Rands and if you don’t have this money available the Executor is entitled to auction off your assets to pay his fees.

Immediate expenses – When you pass away, your bank accounts could be frozen and your family could have limited access to money. Our Immediate Liquidity™ Benefit makes sure you have money available for the funeral, travel, groceries and any other immediate expenses.

Testamentary Trust fees – If you are leaving an inheritance to minors, you need to set up a Trust upon your death in order for them to inherit your assets. Trust and ongoing Trustee fees can erode their inheritance. Our Legacy Protection Plan™ covers all these fees to ensure your Legacy is protected.

Monthly living expenses – Estates can take months, if not years, to wrap up and families mistakenly assume their Estate will pay the monthly ongoing expenses such as lights, rent, groceries, etc. but the funds are often tied up until the Estate is finalised. Our Estates Overheads Protector™ helps cover these essential monthly bills.

Taxes – Most people leave their entire Estate to their Spouse, but if both of you pass away and your Children inherit everything then Capital Gains Tax and other legal fees are triggered. Our Estate Gap Cover™ will pay a cash benefit to the second Spouse's Estate to cover the burden of these additional taxes and legal fees.

Every month should be free Wills month. Take up the opportunity to have your Will drafted by South Africa's leading provider of Wills and Fiduciary services.

Capital Legacy is South Africa’s undisputed champion in the financial services industry for integrated Wills and Estates with insurance cover to indemnify the legal fees associated with passing away.

Celebrating 10 years of helping South Africans leave a legacy

Capital Legacy Product launch '22 celebrating 10 years

OPINION: The lowest two expenditure deciles (the 20% of people who spend the least) faced the highest inflation rate, with the lowest decile facing 9.1% and the second lowest decile facing 8.5%

Inflation, interest rates and joblessness – the perfect storm

Many people make the mistake of thinking that a funeral policy is sufficient to cover the costs of passing away, when the reality is that it is not enough.
Read our latest blog to find out more about legal fees at death.

https://www.capitallegacy.co.za/what-are-the-legal-fees-at-death/

Many people make the mistake of thinking that a funeral policy is sufficient to cover the costs of passing away, when the reality is that it is not enough. Read our latest blog to find out more about legal fees at death.

https://www.capitallegacy.co.za/what-are-the-legal-fees-at-death/

Many people are unaware of the legal fees and costs associated with death and unintentionally leave their family with a mess to sort out.

Read our latest blog to learn more about this important topic.

WHAT ARE THE LEGAL FEES AT DEATH? Read the latest blog post " WHAT ARE THE LEGAL FEES AT DEATH?" from Capital Legacy, the leading provider of Wills and Estates in South Africa

Most people are encouraged to start early when it comes to saving and investing if they want to achieve their financial goals.

5 ways you can start your financial journey of saving an investing

OPINION: Debt Rescue has seen a sharp surge in the number of South Africans seeking debt relief. My advice to those who are in a debt trap is to remember that you are not alone, writes Neil Roets.

Interest rate hike will plunge SA consumers into new levels of desperation

The cost of living in South Africa just increased again as the Reserve Bank raised interest rates in the country.

More financial pain for consumers as Reserve Bank hikes interest rate by 75 basis points

The South African way of saving includes stokvels, informal community savings programmes, or regulated and tax-efficient savings products, such as a tax-free savings account.

2 ways South Africans are saving money - stokvels and tax-free savings accounts

Many people struggle to save at all for retirement, and a considerable portion of those who can have been up against the fund drain of job losses and other causes of reduced income over the past two years, amplifying the already dire retirement savings landscape.

You’re behind on your retirement savings. Now what?

Savings act as a buffer against life’s unexpected events, reducing your reliance on credit to see you through unforeseen expenses.

5 sure-fire ways to save money for tough times - even if you think you can’t

With inflation at its highest levels in decades, and interest rates rising in response, there are fears that the combination could tip us into a global recession.

Are we heading for a recession and how can I prepare for it?

With salaries staying stagnant or increasing only minimally, coupled with rising inflation, fuel and food costs and interest rates hikes, it is more important than ever to be a smart consumer and savvy spender.

Making ends meet: 7 ways you can stretch your salary

South Africans are cutting back drastically as they try to maintain a certain lifestyle. And they are trying to find innovative ways to mitigate the tightening of their cash flow.

This is what financially stretched South Africans – even the rich – are cutting back on

July Savings Month comes amidst a rising cost of living Contractual debt, mandatory living costs and insurance are top of many of our budgets. We can barely squeeze in an entertainment budget line. The cost of living seems to hinder any savings or investing.

Sondre Adams, Counsellor, Green Point, 8051 | Psychology Today Sondre Adams, Counsellor, Green Point, 8051, 087 250 2837 x48, Individuals who are willing to explore their experiences and thoughts to optimally navigate life's challenges will benefit from counselling. Being able to identify what it is you want to change or improve is essential to feeling "better"...

The extra costs when you buy a R1.5 million home Buying a home is a high-stakes game. But many first-time buyers do not realise the significant financial and legal obligations they are bound to once they sign an Offer to Purchase.

𝐆𝐞𝐭𝐭𝐢𝐧𝐠 𝐦𝐚𝐫𝐫𝐢𝐞𝐝? 𝐃𝐢𝐯𝐨𝐫𝐜𝐞𝐝? 𝐇𝐚𝐯𝐢𝐧𝐠 𝐚 𝐛𝐚𝐛𝐲? 𝐈𝐬 𝐲𝐨𝐮𝐫 𝐖𝐢𝐥𝐥 𝐮𝐩 𝐭𝐨 𝐝𝐚𝐭𝐞?

Your Will is a dynamic and living document that needs to be reviewed and updated every few years. It should reflect any major events that take place in your life such as:
• Marriage
• Divorce
• Having a baby
• Buying or selling property
• Starting a business
• Retiring
• Investing Offshore
• Death in the family or of a beneficiary

Keeping your Will up to date is as important as the first draft and it is essential that whenever you under-go a life changing event that you make amendments to your Will. Updating your Will must be done correctly; not by merely making a note on your existing Will and the updated version must also be witnessed to be legal and enforceable.

Need to draft a will or need to update it??? I can help. No fees charged for drafting or updating your Will.

SA youth need insurance whether it’s for their car or cellphone Young people own some of the most expensive products on the market such as cell phones, cameras, and motor vehicles so insuring these products can be beneficial in the long run.

Bryan Habana, former Springbok rugby player and ceo at Paymenow, writes how by using technology to gamify financial education, people can improve their financial literacy and become better at making smarter money-related decisions.

Could gamification be the tool to get the youth financially literate?

RANDS AND SENSE: On December 31 last year, the Constitutional Court handed down a judgment that saw a development in the succession and maintenance laws, particularly in respect of unmarried heterosexual couples.

Estate planning and unmarried couples

Our mission is to make the loss of a loved one easier; we value your feedback!

"We have our Will with them. They are an awesome company with great people who help you through everything." – 𝘊𝘭𝘪𝘦𝘯𝘵 𝘧𝘳𝘰𝘮 𝘋𝘶𝘳𝘣𝘢𝘯