The transfer of family wealth is becoming more complex as people live longer, and families span multiple generations and jurisdictions. Hilary Dudley of Citadel Fiduciary explores how patience, planning and open conversations can preserve assets responsibly and empower heirs for the long term.

Rising living costs make choosing the right annuity crucial for retirees. Financial advisers guide clients between life, living and blended annuities, balancing income needs, investment risks, estate planning and tax implications to secure sustainable retirement income and protect beneficiaries’ long-term financial wellbeing.

Consult by Momentum Boschkop has launched Giddy-Up, South Africa’s first digital equine ecosystem. The platform combines wellness records, event management, community access and tailored insurance solutions, simplifying horse ownership while protecting the deep bond between horses and their people.

Medical scheme contributions are set to rise by 7.2% to 9.9% in 2026, outpacing inflation and salary growth. NMG Benefits’ Karin Mitchelmore advises members to review their plans, explore gap cover, and seek expert guidance to balance cost, cover, and care.

More than 85% of South Africa’s 16.1 million income earners lack critical illness cover, despite rising diagnoses of cancer, heart disease and stroke. ASISA’s 2025 Insurance Gap Study highlights a 26% coverage ratio and urges greater awareness of this vital financial protection.

South Africa’s life and disability insurance gap has widened to R50.4 trillion, leaving families able to replace only 39% of income after death or disability. ASISA’s Besa Ruele urges earners to plan ahead and progressively close this growing protection gap.