INVESTMENT PLANNING
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THE POWER OF AN ACTIVELY MANAGED INVESTMENT PORTFOLIO
We offer advice on the following investment products:
- Retirement Annuities
- Preservation Funds
- Living Annuities
- Discretionary Investments
- Offshore Investments
Becoming a client of Brenthurst Wealth does not mean having just one advisor. It means gaining access to a deeply experienced, multi-disciplinary team. With over two dozen professionals, including Certified Financial Planners®, tax practitioners, paraplanners, trust and estate experts, and wealth strategists, we deliver comprehensive, tailored global wealth solutions.
In today’s complex financial environment, discerning clients require expertise across multiple domains: investments, retirement and estate planning, trust services, international tax, and will drafting. No single individual can master all these disciplines, but a dedicated team can.
Brenthurst Wealth stands among South Africa’s premier independent advisory firms. Our strength lies in the breadth and depth of our team, with planners, paraplanners, tax consultants, compliance officers and estate specialists working together to preserve and grow your wealth for generations.
RECENT investment PLANNING ARTICLES
TO BUILD & PROTECT WEALTH REQUIRES A LONG-TERM INVESTMENT STRATEGY
TO BUILD & PROTECT WEALTH REQUIRES A LONG-TERM INVESTMENT STRATEGY
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RETIREMENT ANNUITIES
RA are a great way to save for retirement in a tax-efficient manner. The RA can help you supplement your future capital at retirement whilst reducing your taxable income today. You won’t be able to access these funds until you reach the age of 55, and when you want to retire you will then be obligated to transfer at least two-thirds to a living annuity for income purposes, (unless it’s under a certain amount). Other restrictions also apply to the underlying investments – called Regulation 28 -and your adviser will need to assist you in choosing the correct funds to adhere to these rules. RA’s are a must for individuals who do not receive a pension or provident fund from their employers, or if you happen to receive additional income (such as rental on a property) and want to reduce your taxable income.
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PRESERVATION FUNDS
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LIVING ANNUITIES
This retirement product allows for a tax-neutral transfer from any approved pension, provident and preservation fund or retirement annuity and requires that the investor withdraw a monthly income between 2,5% and 17,5% per year. Living Annuities can be invested as aggressively or as conservatively as the investor chooses, as long as income requirements have been weighed carefully against potential risks. In other words, no regulations are imposed, such as the case with RA’s and Preservation funds. The benefit of a living annuity over a guaranteed pension is as the name implies, it “lives on” for the investor’s nominated beneficiaries to either draw an income from or can be taken as a cash lump sum, keeping in mind that it would form part of their taxable income. It is also worth mentioning that Living Annuities are exempt from estate duty.
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DISCRETIONARY INVESTMENTS
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OFFSHORE INVESTMENTS
We assist clients in taking part of their discretionary money offshore for diversification purposes due to the fact that we believe there to be more investment opportunities in global markets than can be found locally. Selecting the appropriate investment opportunities from such a wide universe of options requires a great deal of research and expertise, and there can be a substantially greater risk involved, and therefore may not be suitable for every investor.
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I obtained my National Diploma in Financial Information Systems from the Cape Peninsula University of Technology in 1999 and have worked in the wealth management industry since January 2000. Over the years, I have gained extensive experience in various roles, including Portfolio Manager Assistant, Planner Assistant, and Paraplanner.
Esmarelda Isaacs-Andreas joined the Brenthurst Wealth Stellenbosch office in October 2025, taking on the dual role of Receptionist and Fiduciary Administrator.
I obtained my National Diploma in Financial Information Systems from the Cape Peninsula University of Technology in 1999 and have worked in the wealth management industry since January 2000. Over the years, I have gained extensive experience in various roles, including Portfolio Manager Assistant, Planner Assistant, and Paraplanner.
Angelique Anderson joins our Pretoria office as an Administrative Assistant, bringing over 24 years of experience across the financial, legal, and executive support sectors, both locally and internationally. Her meticulous attention to detail, discretion, and extensive knowledge of asset finance and compliance make her an invaluable addition to our team.
Ashley joined Brenthurst Wealth in January 2025 as Office Administrative Assistant and Receptionist for the Stellenbosch Office.
René Heystek joined Brenthurst Wealth in November 2023, as receptionist and administrative assistant in the newly established George/Garden Route office.
Michelle Heystek has built a career in the financial services over the last two decades, after obtaining her B.Com degree in Financial Management in 2005. Once she joined Brenthurst in 2006, she continued her academic journey, obtaining her Certificate in Wealth Management from INSETA in 2007, followed by a Postgraduate Diploma in Financial Planning from the University of the Free State. In 2008, she earned the Certified Financial Planner (CFP®) designation.
Anelle joined Brenthurst Wealth as a Receptionist and Administrative Assistant to Brian Butchart in the Cape Town office in December 2023. She has a wealth of knowledge from working as a liaison between Financial Advisers and clients at TMA and Absa Investment Management Services (Aims) since 1998. She obtained her B. com degree from the University of Port Elizabeth in 1997.
ADMITTED ATTORNEY | FINANCIAL PLANNER & HEAD OF BRENTHURST FOURWAYS
Sanet was appointed in April 2020, joining our Cape Town team as an Executive Administration Assistant to Renee Eagar. She has been in the financial services industry since 1990. Her previous experience includes positions at Sanlam, BJM and ABSA. She spent her last 12 years working at Alexander Forbes Private Client Wealth as a Senior Wealth Management Assistant. She has received numerous accolades over the years which include but not limited to, Alexander Forbes Client Service Excellence – Silver award in 2014,2015 and 2017. Sanet has also obtained her Certificate in Wealth Management (NQF 5) in 2012 and achieved “Best Student of the Year” from Moonstone.
Maria Smit is a Certified Financial Planner® with over 10 years of experience in the financial planning industry.
