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Snyman & Associates

Snyman & Associates

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Your dedicated wealth partners, crafting legacies for professionals and businesses. Trust, positivity, and tailored financial solutions define us.

Invest wisely, insure confidently, and plan for a prosperous future. #Financial #Wealth

06/09/2026
A full decade has flown by since Vanessa embarked on her bold journey into the dynamic world of finance at Snyman and Associates! 🎉 Every story needs a remarkable hero, and Vanessa has been that shining star for ten phenomenal years. Her steadfast dedication, working tirelessly through the long nights and early dawns, and being our rock during challenging cases and triumphant courtroom moments, has fueled our outstanding achievements. Thank you for steering the firm, inspiring the team, and handling the whirlwind with poise. You are truly exceptional. Here’s to you, Vanessa, for your role in building something extraordinary. Here's to many more years filled with adventure and triumph! 🥂 With appreciation, Philip, Riani and the TEAM. 06/06/2026

A full decade has flown by since Vanessa embarked on her bold journey into the dynamic world of finance at Snyman and Associates! 🎉 Every story needs a remarkable hero, and Vanessa has been that shining star for ten phenomenal years. Her steadfast dedication, working tirelessly through the long nights and early dawns, and being our rock during challenging cases and triumphant courtroom moments, has fueled our outstanding achievements. Thank you for steering the firm, inspiring the team, and handling the whirlwind with poise. You are truly exceptional. Here’s to you, Vanessa, for your role in building something extraordinary. Here's to many more years filled with adventure and triumph! 🥂 With appreciation, Philip, Riani and the TEAM.

Stop chasing ONLY returns. Start optimising for tax. In South Africa, it’s not just what you earn—it’s what you keep after SARS. Here’s the smarter play: ✔️ TFSA – 100% tax-free growth (max R46k/year) ✔️ RA – Reduce your taxable income today ✔️ Investments – Use CGT exclusions (R40k/year) ✔️ Endowments – Useful if you’re in a high tax bracket The edge isn’t one product—it’s the right combination. If your strategy isn’t tax-efficient, your returns are leaking. #Investing #SouthAfrica #TaxEfficiency #WealthBuilding #PersonalFinance 06/06/2026

Stop chasing ONLY returns. Start optimising for tax. In South Africa, it’s not just what you earn—it’s what you keep after SARS. Here’s the smarter play: ✔️ TFSA – 100% tax-free growth (max R46k/year) ✔️ RA – Reduce your taxable income today ✔️ Investments – Use CGT exclusions (R40k/year) ✔️ Endowments – Useful if you’re in a high tax bracket The edge isn’t one product—it’s the right combination. If your strategy isn’t tax-efficient, your returns are leaking. #Investing #SouthAfrica #TaxEfficiency #WealthBuilding #PersonalFinance

🚨 Executors are missing these estate duty deductions… and families are losing thousands! 😱 Death is inevitable, but overpaying estate duty and CGT on death doesn’t have to be. In South Africa, estate duty hits at 20% on the first R30m of the dutiable value (25% above that). Yet many executors only claim the obvious items — leaving money on the table that belongs to your loved ones. From my experience helping numerous families wind up estates, these lesser-known deductions under Section 4 of the Estate Duty Act are frequently overlooked: 1️⃣ Spousal Deduction (Section 4(q)) Assets left directly to your surviving spouse (including life policies payable to them) are 100% deductible. Poor will drafting or discretionary trusts can kill this relief! 2️⃣ Full Administration Costs Not just executor fees — valuation costs, legal fees, ads, Master’s fees, and asset maintenance costs are all deductible. Document everything! 3️⃣ Funeral & Tombstone Expenses Reasonable burial/cremation costs + tombstone = deductible. Don’t let these small but important amounts slip through. 4️⃣ Enhanced CGT Exclusion on Death Death triggers a deemed sale of assets. In the year of death you now get R440,000 exclusion (up from R300k) + up to R3 million on your primary residence (2026 update). The CGT paid then becomes a deductible debt for estate duty. Huge interplay! 5️⃣ Charitable Bequests (PBOs) Leave assets to approved public benefit organisations — fully deductible. 6️⃣ Abatement Portability R3.5 million abatement per person. Unused portion from the first spouse rolls over — up to R7 million total for couples. 7️⃣ All Debts & Liabilities Mortgages, loans, accrual claims, unpaid taxes, maintenance obligations — all deductible. Retirement funds with proper nominations often fall completely outside the estate too. These provisions work together. A smart will + meticulous executor = massive savings for your family. 💡 Don’t assume your executor will catch everything. Many don’t. Action steps today: Review your will. Choose your executor carefully When the time comes, check the L&D account closely Have you or your family experienced missed deductions in an estate? 10/04/2026

🚨 Executors are missing these estate duty deductions… and families are losing thousands! 😱 Death is inevitable, but overpaying estate duty and CGT on death doesn’t have to be. In South Africa, estate duty hits at 20% on the first R30m of the dutiable value (25% above that). Yet many executors only claim the obvious items — leaving money on the table that belongs to your loved ones. From my experience helping numerous families wind up estates, these lesser-known deductions under Section 4 of the Estate Duty Act are frequently overlooked: 1️⃣ Spousal Deduction (Section 4(q)) Assets left directly to your surviving spouse (including life policies payable to them) are 100% deductible. Poor will drafting or discretionary trusts can kill this relief! 2️⃣ Full Administration Costs Not just executor fees — valuation costs, legal fees, ads, Master’s fees, and asset maintenance costs are all deductible. Document everything! 3️⃣ Funeral & Tombstone Expenses Reasonable burial/cremation costs + tombstone = deductible. Don’t let these small but important amounts slip through. 4️⃣ Enhanced CGT Exclusion on Death Death triggers a deemed sale of assets. In the year of death you now get R440,000 exclusion (up from R300k) + up to R3 million on your primary residence (2026 update). The CGT paid then becomes a deductible debt for estate duty. Huge interplay! 5️⃣ Charitable Bequests (PBOs) Leave assets to approved public benefit organisations — fully deductible. 6️⃣ Abatement Portability R3.5 million abatement per person. Unused portion from the first spouse rolls over — up to R7 million total for couples. 7️⃣ All Debts & Liabilities Mortgages, loans, accrual claims, unpaid taxes, maintenance obligations — all deductible. Retirement funds with proper nominations often fall completely outside the estate too. These provisions work together. A smart will + meticulous executor = massive savings for your family. 💡 Don’t assume your executor will catch everything. Many don’t. Action steps today: Review your will. Choose your executor carefully When the time comes, check the L&D account closely Have you or your family experienced missed deductions in an estate?

31/12/2025

2025 has flown by, and we are grateful for every person who has passed through our doors.

As a thank you for the year, please enjoy this video of Philip talking about his favourite topic -compound interest. 📈

We look forward to associating with you in 2026!


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Location

Potchefstroom

Category

Financial planner

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7 Retief Street
Potchefstroom
2531

Opening Hours

Monday 08:00 - 17:00
Tuesday 08:00 - 17:00
Wednesday 08:00 - 17:00
Thursday 08:00 - 17:00
Friday 08:00 - 17:00