The conversation people should have after a terminal diagnosis
Early disclosure to a financial adviser can help secure liquidity, reduce delays, and spare families unnecessary administrative stress.
#estateplanning
When does switching into an offshore endowment make sense?
Allan Gray explores how embedded gains, tax rates, investment horizon, and executor’s fees affect the decision to switch offshore investments into endowments.
Estate duty: the key principles behind the tax on deceased estates
Understanding how estates are valued, which deductions apply, and how deemed assets are treated helps you ask the right questions when planning your estate.
Budget 2026: why advisers should revisit every client plan
From CGT thresholds to small business tax and foreign allowances, Ronald King identifies the changes that could materially reshape financial plans.
Life cover nominations still valid despite administrative slip
A signed nomination received during the policyholder’s lifetime satisfied the contractual requirements despite an incorrect policy number.
Only 15% make it: the six fault lines that break family businesses
Despite driving most of the world’s GDP, family firms rarely survive the fourth generation – here are the six predictable governance failures that undo them.
Ensure retirement products are an integral part of your estate plan
RAs and living annuities usually fall outside the deceased estate, which means the proceeds will not be tied up while the estate is finalised.
Focus and intentional action are key to building generational wealth
Disciplined planning, clear governance and early education – not asset size – are what determine whether wealth survives across generations.
Honouring obligations, securing futures: a guide to managing family support
Balancing ‘Black Tax’ with your own financial security is possible through clear boundaries, strategic planning, and professional guidance.
Three paths, one milestone: how MBSE’s ACFP shapes financial planning careers
From a shipbuilding director to a career-changer at 40 and a junior adviser navigating cross-border portfolios, MBSE’s Advanced Certificate in Financial Planning equips diverse professionals with confidence.
AI-driven plans reinforce the value of financial advisers
Advisers can highlight their human edge by spotting common gaps in AI-generated DIY plans, from overconfidence in returns to blind spots in risk protection.
An out-of-date will can be as risky as having no will at all
Marriage, divorce, children, or business changes – life doesn’t stand still, and neither should your will. Wills Week is a reminder to act now.
When estates stall: why liquidity planning is critical for families
Without careful liquidity planning, families risk financial strain for years while estates remain tied up in red tape, highlighting the need for wills, offshore planning, and open financial conversations.
Courts will be able to override antenuptial contracts upon divorce
The General Laws (Family Matters) Amendment Bill will empower the courts to order fair asset transfers in marriages out of community of property without accrual.
Taking funds offshore is the best and right thing for me to do
The main reasons are the growing threat of populist policies and ensuring that children and grandchildren can study overseas, so they can compete for jobs globally.
Top achievers share how MBSE’s PGDip shapes confident, client-focused financial planners
Valedictorian Edward Becker and top student Mia Barnard say the Postgraduate Diploma in Financial Planning delivers practical skills, rigorous training, and industry-ready knowledge.
Legally wed, financially left out: wife denied pension benefit
The FST has upheld a ruling that a legal spouse must still prove financial dependence or be nominated to receive a share of a deceased member’s pension benefit.
