Lets start this very exciting journey today… Choose one of the following Do you want to do an estimate of your Estate Calculate how long your money will last for your family in the event of death Do you want to do an estimate of your Disability Calculate how long your money will last for your family in the event of disability Do you want to do an estimate of your Retirement Calculate how long your money will last for your family in the event of retirement To consult a licensed Financial Advisor Register Assistance to Catalogue and Plan Your Personal Budgets, Net Worth, Investments & Insurance and Host it All in One, Accessible Permanent Place Estate Estimator Expected Investment Growth rate In Your Experience Inflation Rate In Your Experience What does the surviving spouse earn per month Spouse Gross Salary How many years will your spouse continue to work Normally this would be the term to retirement age What is The Take Home Cash Required by your family Our full Assessment tool will remind you of hidden monthly costs Use an SA Tax Calculator for the correct Tax Figure Ignore tax at your familys peril What is the age of your spouse For how long will your family require the income Variable terms of required income are not taken into account EG child education costs/ maintenance Estate Assets Property Vehicles furniture collectables time share Would your spouse sell any asset and turn it into cash Sale of vehicles, property or collectables to generate extra income Exector Fee 3.99% vat inclusive - of the Estate Assets handled by your Executor What are your liabilities - Bond, Vehicle Loans, Credit Card etc What do you owe How much life cover is available for the family Life Cover on your life payable for your families use How much does your investments funding amount to What is the present fund value of your investments Savings Account Endownments etc How much does your retirement funding amount to What is the present fund value of your retirement annuities pension funds etc Income Summary Monthly income available 0 Monthly income required 0 Monthly shortfall/ Excess 0 Capital Summary Initial available cash 0 Initial liabilities and expenses 0 Initial shortfall/ Excess 0 Assessment Funds available will provide an income for years Additional cover required capital Assumptions Assumption #1 : Your spouse salary will increase by inflation Assumption #2 : You have estimated your family’s income needs fairly accurately Assumption #3 : You have calculated the tax requirement accurately Assumption #4 : You realise that this is an estimation - and does not take children or dependants term of requirement into account Assumption #5 : You have taken ALL your hard assets into consideration Assumption #6 : You have added up every cent that your estate could be liable for (no nasty surprises) Including Executor's Fees Assumption #7 : You are sure that your life cover is active and not payable to a third party Assumption #8 : The fund values for your investments are up to date Assumption #9 : Your retirement instruments are divorce decree proof Assumption #10 : You understand the rules of group life cover you may have Cash Flow