The PERFECT Retirement Tax Plan (Step by Step Guide)

Most South African retirees overpay tax — not because they made mistakes, but because retirement changes the tax rules.

In this masterclass, Hardi Swart, together with Cam Sondlo and George King, walks through a real South African case study to show how retirement tax planning works in practice.

Using the story of Thabo and Maria, we explain how uncoordinated income withdrawals, asset location, and poor tax sequencing can quietly cost retirees hundreds of thousands of rand — and how small, well-timed decisions can dramatically reduce lifetime tax.

You’ll learn:
How to draw income tax-efficiently in retirement
Why asset location matters more than returns
How capital gains, interest, and annuity income are taxed
The 7 key tax tools retirees should use together

CHAPTERS
00:00 Introduction
02:40 Tax Plan
04:21 Scenario Financial Picture
07:56 Step 1
09:34 Step 2
10:50 Step 3
12:21 Step 4
13:57 Step 5
15:48 Step 6
17:12 Step 7
19:42 Conclusion

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Disclaimer: This video is for educational purposes only and does not constitute personal financial advice. Please consult a licensed financial planner or tax practitioner before making any decisions.