Le Grange and Associates Practice

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Le Grange and Associates Practice Financial planning with heart and excellence. See more at www.lgco.co.za

Often in life, our ability to choose our path is limited by the obligations and responsibilities we face. We want to help you to find a route to a place where you are empowered to make well‐informed choices. It will be different working with us than to what you have likely experienced in the past when dealing with financial services. We will take time to explore what you want and make sure we understand you and your goals well enough. From there we will create options to empower you to make choices that will form a financial plan that can evolve and grow with you. This plan will serve as a guide to enable you to make better and more practical financial decisions. Our process, financial planners and support structures were built with you in mind, to meet you where you are in your life journey and to assist you to become the master of your own financial journey

Go to https://lgco.co.za to find out more about our practice and process. Also check out our blog (https://lgco.co.za/blog) to find articles on any financial planning topic. To find out more about what financial planning is about go to https://www.fpsb.org/about-financial-planning

25/10/2026

Navigating the complexities of retirement funds when someone passes on requires careful consideration. Make the process as smooth as possible for those affected.

25/10/2026

When considering retirement income, look beyond just one source. Play around with bond repayments, income bumps, and consider your drawdown rate for sustainability. Crucially, fund choices and portfolio growth are key to your bigger financial plan.

24/10/2026

Estate planning ensures certainty for your loved ones. We focus on creating arrangements that clearly define who receives what, and where it will be payable, providing peace of mind during difficult times.

24/10/2026

Understanding the tax on your pension fund benefit is crucial. Unapproved cover over R2 million faces taxation, while R4 million pays out as normal life cover, forming part of your estate as a deemed asset.

24/10/2026

Deciding between a guaranteed annuity and flexibility is tough. It's about finding the right balance between security and choice for your financial future.

23/10/2026

Estate planning for spouses and children can be straightforward. However, complex family structures with multiple households often require more than 12 months to finalize. Let's consider the real decisions and steps involved.

23/10/2026

Instead of silence, consider the asset growth. You replace the house equity with a loan, meaning the house's value appreciation no longer benefits your estate directly. It's a strategic financial decision.

23/10/2026

Liesel and Derek discuss how to choose your retirement income. Derek, with 40+ years in insurance and newly retired, shares practical lessons on life annuities versus living annuities.

22/10/2026

Navigating divorce agreements and ongoing maintenance can be complex, especially concerning pension funds. A valid divorce order doesn't always guarantee your fund is protected without proper proof of claim.

22/10/2026

If your wife opts for a living annuity over a lump sum, she'll need a South African tax number. This is because the annuity income becomes taxable in South Africa, requiring her to register as a taxpayer locally.

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Opening Hours

Monday 07:30 - 17:00
Tuesday 07:30 - 17:00
Wednesday 07:30 - 17:00
Thursday 07:30 - 17:00
Friday 07:30 - 17:00

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