Martin Godfrey, Financial Adviser - The Hereford Group

• South Africans are underinsured. FACT
• 55% of Estates being wound up have cash/liquidity shortfalls. FACT
• Most South Africans are blissfully unaware of the ACTUAL cost of winding up an Estate. FACT
• Transferring a property in an Estate can be costly. FACT
• Dying Intestate (without a Will) can delay an Estate for years. FACT
• Money left to kids where no Trust provision has been made, goes into the Guardians Fund. FACT
• The Guardians Fund is a bureaucratic nightmare to deal with. FACT

I keep telling you to talk to me about your financial planning.

Why risk leaving your family with stress, delays, and unnecessary costs when you could plan properly today?

Call me TODAY!

Why Gap Cover?

Unexpected medical expenses can leave you facing a significant financial burden—especially when specialists and doctors charge well above medical aid rates for in-hospital and certain out-of-hospital procedures.

This is where Gap Cover becomes essential.

Gap Cover is designed to bridge the gap between what your medical aid pays and what private practitioners actually charge and differences that can run into tens or even hundreds of thousands of rands, for which you are personally liable.

Real shortfall claims paid in 2024/2025 include:

• Natural Childbirth: R38,480
• Caesarean Section: R47,535
• Knee Replacement: R98,173
• Hip Replacement: R205,490
• Fractured Arm Surgery: R53,663
• Heart Surgery: R156,496
•
Without Gap Cover, these costs come straight out of your pocket.

I can assist you with individual or family Gap Cover options, including:

• No overall maximum entry age
• Highly competitive premiums for individuals under age 42
• Available to all members of registered South African medical aids
• Cover that continues with no maximum expiry age

Important: Gap Cover is not a medical aid and does not replace medical aid membership. It is designed to work alongside your medical aid to protect you from costly shortfalls.

Let’s have a conversation about how to protect you and your family from unexpected medical expenses.

Why Gap Cover?

Unexpected medical expenses can leave you facing a significant financial burden—especially when specialists and doctors charge well above medical aid rates for in-hospital and certain out-of-hospital procedures.

This is where Gap Cover becomes essential.

Gap Cover is designed to bridge the gap between what your medical aid pays and what private practitioners actually charge and differences that can run into tens or even hundreds of thousands of rands, for which you are personally liable.

Real shortfall claims paid in 2024/2025 include:

• Natural Childbirth: R38,480
• Caesarean Section: R47,535
• Knee Replacement: R98,173
• Hip Replacement: R205,490
• Fractured Arm Surgery: R53,663
• Heart Surgery: R156,496
•
Without Gap Cover, these costs come straight out of your pocket.

I can assist you with individual or family Gap Cover options, including:

• No overall maximum entry age
• Highly competitive premiums for individuals under age 42
• Available to all members of registered South African medical aids
• Cover that continues with no maximum expiry age
•
Important: Gap Cover is not a medical aid and does not replace medical aid membership. It is designed to work alongside your medical aid to protect you from costly shortfalls.

Let’s have a conversation about how to protect you and your family from unexpected medical expenses.

Your greatest asset is NOT your house.
It is NOT your car.
It is NOT even your family.

Your greatest asset is your ability to earn an income.

Now read that last line again.

Your income pays the bills.
It puts food on the table.
It keeps a roof over your family’s heads and funds your future.

But what would happen if illness, disability, or a life-changing event suddenly took that ability away?

Protecting your income should be your top financial priority.

Let’s have a conversation about Income Protection and Disability Cover and how to safeguard the asset that makes everything else possible.

Give me a call and let’s make sure you are properly protected — before it’s too late!

Good news form todays budget:

📊 Turning the Corner
Finance Minister says SA is stabilising its finances after nearly 17 years. Debt is expected to level off and revenue collections are stronger than expected.

💰 Tax-Free Investing Boost
Annual TFSA limit increased ➡️ From R36,000 to R46,000 per year.
More opportunity for tax-free growth. 📈

🧾 Retirement Savings Win
Maximum deductible retirement contribution ➡️ From R350,000 to R430,000 per year. Encourages long-term saving.

🏢 Big Relief for Small Business
VAT registration threshold increased ➡️ From R1 million to R2.3 million turnover.

🏥 Medical Aid Relief Maintained
Medical tax credits adjusted with inflation — no reduction in support for members.

I cannot stress the importance of having a valid Will.

Too many South Africans die intestate which then leaves the Master Of The Court, to appoint an Executor to wind up your Estate.

A valid signed Will ensures that your assets are distributed according to your express wishes.

Without one, intestate succession will apply and this means that your assets will be divided according to a rigid legal formula and one which probably won't align with your wishes. This generally causes financial distress for your loved ones and family disputes.

A Will allows you to appoint the Executor of your choice, nominate guardians for minor children and to protect them through Testamentary Trusts and to nominate beneficiaries for the residue of your Estate

It specifies exactly who inherits your property, money, and personal possessions and also documents your funeral preferences and your choice of cremation or burial.

It is also vitally important to review your Will annually and update if necessary. This process this must form an integral part of your overall financial planning.

Unless you can predict when you will die or have a life changing event, you need totTalk to me about your Will and financial planning needs.

DO IT!

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If you are Looking to diversify into global markets and/or AI, I have two structured 5-year investment products available through one of Southern Africa's most respected FSP's, that provided access to:

1. The S&P 500 and Euro Stoxx 50 capital indices

And/or

2. An Artificial Intelligence Portfolio tracking the MSCI Global Artificial Intelligence 5% Decrement EUR Index

✅ Downside portfolio loss protection.
✅ Enhanced allocations for deposits over R1 million.
✅ Limited offer.

Available to individuals and companies.

This trance is time-sensitive, and you don't want to miss this opportunity.

If this piques your interest or you know someone who might be interested, please reach out to me for a confidential discussion.

Call now to connect with business.

Are YOU one of the 37 million South Africans who are not insured for life changing events?

So far this year I have handled three dread disease claims for my clients and been to five funerals.

Of the five, three died from cancer which has caused financial hardship for their families as the were not insured, despite me approaching them to discuss planning for that eventuality.

Don't wait until it's too late.

Give me a call, mail or message to arrange a meeting to discuss YOUR financial well being. It CAN happen to you!

033 345 8202