Nondyebo Twantwa - Mthatha West, Sanlam Financial Adviser

15/09/2026

Estate planning becomes significantly more important when family structures are complex. A key takeaway from the conversations sparked by The Polygamist on Netflix, is that inheritance outcomes don't always align with personal intentions when proper planning is absent.

In South Africa, family structures can take many forms.

When a person passes away without a valid will, their estate is distributed according to legislation, which may not reflect their wishes or the needs of their dependants.

For financial decision-makers, business owners and families alike, this highlights three important considerations:

✓ 1.Keep your will updated.

✓ 2.Ensure your estate plan reflects your current family circumstances.

✓ 3.Consider professional guidance where trusts or multiple beneficiaries are involved.

Good estate planning is not just about asset distribution. It's about reducing uncertainty, preserving family harmony and protecting your legacy.

Read the full article for valuable insights into planning for real-life family dynamics. https://www.sanlamadvice.co.za/adviser/nondyebo-twantwa/blogs/the-polygamist-family-affairs-estate-planning-lessons

Need advice? Get in touch with Nondyebo Twantwa
📞0613221863
📧[email protected]
🏠Metropolitan Place, 49 Leeds Street, Mthatha West, Mthatha, 5099

14/09/2026

Estate planning is about more than drafting a will.

One of the lesser-known factors that can delay the transfer of wealth to beneficiaries is unresolved tax matters.

Outstanding tax returns, unpaid tax debt, or incomplete records can slow down the process, leaving beneficiaries waiting longer than expected.

✅ A simple financial admin check today could save your family unnecessary stress tomorrow.

Taking time to ensure your tax affairs are up to date is not just about compliance. It's part of good estate planning and protecting the people who matter most.

Read more about how tax debt can impact your family's inheritance and what steps you can take to avoid delays 👇

Did you know unpaid taxes can halt estate administration? Find out how tax debt delays inheritance payouts and how to safeguard your loved ones' future.

13/09/2026

Many working South Africans assume that wills are only necessary for the wealthy - but that misconception carries real consequences. In fact, roughly 70% of employed individuals don't have a will in place. Whether your assets are modest, a savings account, a vehicle, or retirement fund benefits - or substantial, having a valid will ensures your wishes are respected and your heirs are protected.

Many believe that wills are for rich people. As a result, the Master of the High Court reported recently that about 70% of working South Africans don’t have wills. You need a will as soon as you own some kind of asset, even if it’s only a bank savings account.

12/09/2026

Have you ever wondered what would happen to a loved one who depends on you if you were no longer around? 💙

Estate planning isn't only about passing on wealth. It's about making sure the people who rely on you are cared for according to your wishes.

For parents of children with disabilities or dependants who may struggle to care for themselves, having a valid will and the right estate planning structures in place can make a significant difference.

Proper planning can help ensure ongoing care, minimise uncertainty, and provide peace of mind for your family.

One important takeaway: Estate planning is not just for the wealthy. It's for anyone who wants to protect the people they love.

Read the full article on my blog and discover how thoughtful estate planning can help protect vulnerable loved ones.

09/09/2026

"Remember when your biggest decision for your children going to school was what to pack them for lunch? 😅

Fast forward to their Matric prelims... and suddenly the big decisions about their future feels very real.

Right now, thousands of Grade 12 learners are focused on exams, but for many families, it's also a time of important conversations about what's next.

University, college, a first job, moving away from home, transport, accommodation... these milestones often come with major financial commitments.

The good news? The best time to start planning for your future Grade 12 child is now.

Whether you're a parent or guardian, having honest conversations about future goals and the costs involved can help reduce stress and create confidence for the journey ahead.

Talk to a financial adviser today!

Nondyebo Twantwa 0613221863
📞0613221863
📧[email protected]
🏠Metropolitan Place, 49 Leeds Street, Mthatha West, Mthatha, 5099

07/09/2026

We often spend time building a life for the people we love, but have you thought about what happens to your assets when you're no longer around?

A valid will is more than just a legal document. It's a way to:
✅ Protect your loved ones
✅ Clearly communicate your wishes
✅ Help avoid unnecessary stress and delays during an already difficult time

The legacy you leave behind isn't only about wealth. It's about providing clarity, care, and peace of mind for the people who matter most.

If tomorrow wasn't promised, would your loved ones know exactly what your wishes are?

Start the conversation: Have you drafted a will, or is it still on your to-do list?

05/09/2026

Learn how disciplined withdrawals, smart asset allocation and effective risk management can help sustain your retirement income, protect against inflation and support long-term financial security.

Learn how disciplined withdrawals, smart asset allocation and effective risk management can help sustain your retirement income, protect against inflation and support long-term financial security.

04/09/2026

A common challenge for many SMEs isn't a lack of ambition. It's a lack of financial visibility.

Economic uncertainty, changing market conditions and rising costs make financial discipline more important than ever. One of the simplest ways to strengthen your business is to revisit the fundamentals:

• Build and update a financial roadmap
• Stay on top of bookkeeping and tax planning
• Monitor cash flow consistently
• Manage debt strategically
• Keep personal and business finances separate

As the saying goes, "A failure to plan is a plan to fail."

Taking time to review these areas can help business owners move from simply surviving to planning for sustainable growth.

🔗 Explore the full article in our blog for practical insights on giving your business finances a spring clean.

In money, as in life, a failure to plan is a plan to fail. This spring, get your financial house in order by preparing a financial road map for the year ahead. Pandemics, climate change, crime, political unrest and a sluggish economy have had a devastating impact on many SMEs over the past few years...

01/09/2026

Spring has arrived... but so has a bigger fuel bill. 🚗⛽

With petrol set to increase by R1.34 per litre and diesel rising even more, many South Africans will feel the impact on their monthly budgets.

According to the latest adjustment, higher global oil prices are among the key drivers behind the increase.

While we can't control fuel prices, we can control how we prepare:

✅ Review your monthly transport budget
✅ Combine errands into fewer trips
✅ Consider carpooling where possible
✅ Redirect small savings from non-essential spending to cover higher travel costs

A few small changes can help soften the pressure on your wallet.

Take a look at September fuel price changes and prepare accordingly:

https://businesstech.co.za/news/energy/872498/here-is-the-official-petrol-price-for-september-7/

29/08/2026

🚀 Does Tax-free growth on your money sound good? Yes, please! TFSAs help you save more efficiently. Learn more and take advantage of this here.

From as little as R400 per month, Sanlam Tax-free Investments provide an easy and effective way to save for your long-term goals, without having to pay interest on tax on interest, dividends or capital gains. Other distinguishing features include: