Financial Planning
for South Africans

Award-winning financial advice
for South Africans at home and overseas.

Financial Planning for South Africans

Get the best advice advice on how to grow and protect your wealth while living overseas.

Relocating overseas as a South African expat can be exciting, but it also brings complex financial considerations.

How do you manage retirement savings when living outside South Africa? What happens to your tax residency? How do you protect your wealth from currency volatility?

At The Michele Carby Practice, we provide specialist financial planning for South African expats. Our goal is to ensure your investments, retirement, and legacy remain secure no matter where in the world you build your future.

Why Financial Planning Matters for South African Expats

South Africans living abroad often face additional complexity compared to other expats. Changes in tax residency rules, restrictions on retirement fund withdrawals, and currency exchange risks can significantly impact your long term financial security.

Without tailored advice, expats risk paying unnecessary taxes, missing investment opportunities, or struggling to align their South African assets with their new home country’s financial system.

We help simplify this process with cross border strategies designed for South Africans who live, work, and invest internationally.

Key Financial Challenges for South African Expats

1. Retirement Savings and Preservation Funds

Understanding access to South African retirement annuities and preservation fund
Navigating rules on withdrawals and transfers after tax emigration
Creating international retirement plans that integrate with South African savings

2. Tax Residency and Double Taxation

Managing financial planning after ceasing South African tax residency
Making use of Double Taxation Agreements (DTA) between South Africa and your host country
Structuring offshore investments to remain tax efficient and compliant

3. Currency and Wealth Protection

Managing the rand against major currencies such as USD, EUR, and GBP
Protecting income and savings against volatility with multi currency accounts and hedging strategies
Preserving purchasing power across multiple jurisdictions

4. Estate and Succession Planning

Aligning wills and inheritance planning across South Africa and your country of residence
Ensuring assets are transferred efficiently and legally to your heirs
Protecting family wealth in a global context

Our Expat Financial Services

Comprehensive Expat Wealth Management: investment portfolios that balance
South African and international assets Retirement and Pension Planning: advice on annuities, preservation funds, and offshore retirement solutions
Tax Efficient Strategies: minimise liabilities while maintaining compliance in multiple jurisdictions

Financial Planning
for South Africans