Family Wealth Podcast with Hardi Swart
The Family Wealth Podcast is hosted by Hardi Swart CFP® and presented by Family Wealth Custodians. It focuses on the idea that money is about more than numbers: it is about the life you want and the people you want to protect. Episodes cover practical financial planning, investing, retirement, tax, and the decisions that shape a family's financial future. The show is aimed at listeners who are building wealth, approaching retirement, or already retired, with the goal of helping them make clearer and more confident financial decisions. The information is educational and not personalized financial advice.
Episodes
Pros and Cons: Retirement Annuity
Hey! I'd love to hear your thoughts, send me a voice note.Is a Retirement Annuity worth it in South Africa?Retirement Annuities (RAs) are one of the most popular ways South Africans save for retirement, largely because of the potential tax benefits. But those benefits come with important restrictions.In this episode, Hardi Swart and Hugo Kloppers unpack the pros and cons of Retirement Annuities in
Retiring With more than R30 Million: The Tax Plan No One Tells You About
Hey! I'd love to hear your thoughts, send me a voice note.Retiring with R30 million sounds like financial freedom. But how you structure that wealth can make an enormous difference to the tax you pay.In this episode, Hardi Swart uses the fictional story of Sam and Mary to explore tax-efficient retirement planning in South Africa.We unpack cash and interest income, local and offshore tax wrappers,
Pros and Cons: Living Annuity
Hey! I'd love to hear your thoughts, send me a voice note.Living Annuity in South Africa: What are the pros, cons and biggest risks? A living annuity gives you flexibility, investment control and the potential to leave your remaining retirement capital to your family. But it also comes with an important responsibility: making sure your retirement savings last. So, is a living annuity the right ch
The Tax-Free Account SARS Can’t Touch (Most South Africans Use It Wrong)
Hey! I'd love to hear your thoughts, send me a voice note.Most South Africans don’t mind paying tax. But nobody wants to pay more tax than they need to.In this episode, Certified Financial Planner® Hardi Swart and Senior Financial Planner Cam Sondlo unpack one of South Africa’s most powerful long-term investment tools: the Tax-Free Savings Account (TFSA).We cover how a TFSA works, contribution lim
