March 2024 · Retirement
What the two-pot system actually changes for you
A working guide to the new retirement withdrawal rules, and what to check before September's deadline.
Read the guide
Financial Consulting — Cape Town
Clarity in every financial decision
Monverat advises private clients, families and businesses across South Africa on the decisions that compound — tax structuring, investment strategy and long-term wealth planning, explained plainly and argued precisely.
The first call
What will you learn during the call?
Before any engagement begins, we run a structured 45-minute discovery call — no sales script, just an honest reading of where you stand and what's worth changing.
01
Where your tax exposure actually sits
A plain-language read of your current structure — provisional tax, capital gains exposure, and any SARS deadlines you're carrying unmanaged risk on.
02
What your current advice is costing you
We review existing arrangements (RA, unit trusts, offshore holdings) against fees, tax efficiency and whether they still match your goals.
03
Your realistic runway to a stated goal
Retirement, emigration, a business sale — we model the actual numbers, not a generic projection, using assumptions we're willing to defend.
04
Which regulatory changes affect you this year
From two-pot retirement rules to exchange control updates, we flag what's relevant to your position and what you can safely ignore.
05
Whether Monverat is the right fit
We turn away work that doesn't need us. You'll leave the call with a clear next step, whether that's with us or not.
Standards we hold ourselves to
Every recommendation is measured against a named standard
FPI — Certified Financial Planner
Our senior advisors hold CFP® designation through the Financial Planning Institute, renewed annually against a formal continuing-education requirement.
FSCA Licensed
Monverat operates as an authorised Financial Services Provider under the FSCA, which means every recommendation is recorded, disclosed and auditable.
SAICA Affiliation
Our tax practice works alongside SAICA-registered chartered accountants, so structuring advice and compliance filing are never handled in isolation.
POPIA-Aligned Data Handling
Client financial data is processed under documented POPIA controls — nothing shared, sold or repurposed beyond the engagement it was collected for.
Ways of working with us
Three formats, one standard of rigour
Single Session Review
A once-off, deep review of a specific decision — a bonus payout, a property purchase, an emigration date. Delivered as a written recommendation within five working days.
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Most Requested
Ongoing Advisory
Quarterly reviews, direct access to your advisor, and proactive alerts when legislation or your circumstances shift. Our most-requested format for individuals and families.
EnquireCorporate & Fiduciary
Structuring, trust administration and director-level financial planning for owner-run businesses, including succession and exit planning.
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Client outcomes
What clients say about working with us
Monverat modelled our emigration timeline down to the provisional tax payments. No guesswork, no upsell — just a plan we could actually follow.
Nadia Petersen
Client since 2021, Cape Town
We'd outgrown our previous advisor without noticing. The ongoing advisory format caught a structuring gap that would have cost us six figures at exit.
Werner de Klerk
Managing Director, logistics business
What stood out was the paperwork. Every recommendation came with the reasoning written down — something no advisor had ever given us before.
Thandeka Mokoena
Private client, Constantia
From the practice
Our Latest Guides
February 2024 · Tax
Provisional tax deadlines, explained without the jargon
Who needs to file, when, and the penalty structure SARS applies if you miss the second submission.
Read the guide
January 2024 · Emigration
Financial emigration in 2024: a realistic timeline
How long the SARS clearance process actually takes now, and the three mistakes that stretch it further.
Read the guide
Visit us
Our space in Cape Town
Monverat is based on Long Street in Gardens, a short walk from the Company's Garden and the Foreshore financial district. Meetings run by appointment, with parking available on-site.
- Monday – Friday08:30 – 17:00
Stay informed
The Monverat Brief
A short monthly note on tax deadlines, regulatory changes and market moves that actually affect South African households and businesses — no noise, unsubscribe anytime.