Your Will
is the foundation of your
Estate Planning

Delaying such an important task can have devastating consequences for your loved ones. We make it quick and easy to draft or update your Last Will & Testament.

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About us

You would never build a house without first creating a detailed blueprint. And yet, so many of us build a financial future without much thought. We will work alongside you to create a financial blueprint that is tailor-made to suit you.

We come to you

There is no need to come and see us. Our specialists come out to your work or home at your convenience.

Will Consult At No Cost

We don't charge for the Will draft, changes or amendments to your Will, or for the collection and safekeeping of your Will.

Save on excessive fees

Save on: Executor Fees, Testamentary Trust Fees, Conveyance Attorney Fees and Policy Claims Administration.

Top 5 consequences of NOT having a will:

  • You forfeit the opportunity to decide who inherits what and your Estate is distributed according to South African law. This means people who you may not have wanted to benefit from your Estate may inherit your Estate.
  • Your Partner may be left with nothing if you are not married or your Will is not updated from a previous marriage.
  • Your Children’s inheritance could pass to the Government Guardian’s Fund or appointed Guardian rather than to a Trust that will ensure your wishes for them are carried out.
  • Family feuds often occur when family members argue over the distribution of your Estate when final wishes are not clearly documented in a Will.
  • Winding up your Estate can take years – without a Will appointing a professional Executor, the government is essentially in control of the process.

Top 5 important costs of dying:

You need a professional to wind up your Estate. Professionals cost money and executors can charge up to 3.5% + VAT of the value of your Estate in order to do the work. This could be hundreds of thousands of Rands and if you don’t have this money available the Executor is entitled to auction off your assets to pay his fees.

When you pass away, your bank accounts could be frozen and your family could have limited access to money. Our Immediate Liquidity™ Benefit makes sure you have money available for the funeral, travel, groceries and any other immediate expenses.

If you are leaving an inheritance to minors, you need to set up a Trust upon your death in order for them to inherit your assets. Trust and ongoing Trustee fees can erode their inheritance. Our Legacy Protection Plan™ covers all these fees to ensure your Legacy is protected.

Estates can take months, if not years, to wrap up and families mistakenly assume their Estate will pay the monthly ongoing expenses such as lights, rent, groceries, etc. but the funds are often tied up until the Estate is finalised. Our Estates Overheads Protector™ helps cover these essential monthly bills.

Most people leave their entire Estate to their Spouse, but if both of you pass away and your Children inherit everything then Capital Gains Tax and other legal fees are triggered. Our Estate Gap Cover™ will pay a cash benefit to the second Spouse's Estate to cover the burden of these additional taxes and legal fees.

Other services offered by AA Estate Guardian

Purpose-driven Trusts

We ensure that your legacy is protected for the ones you love using powerful purpose-driven Trusts

Each Estate is unique, therefore, encourage you to plan your Estate around what is best for you and your loved ones. Whether this means providing for your minor children, or perhaps a loved one who has special needs. Our Solution: Children’s Trust, Provider’s Trust and Widow’s Trust.

Estate Administration

Compassionate and efficient

We offer professional, compassionate, and burden-free Estate Administration that alleviates all the pressures that families experience when a loved one passes away. Our Estates are wound up much quicker than the industry-standard, with distributions made within 6 to 9 months. Even if you don’t have a Legacy Protection Plan™, we can still help you/your loved ones. We can help you if a loved one has passed away and they:

  • Did not leave a Will;
  • Left a Will and nominated you as Executor;
  • or left a Will and someone you know has been nominated as the Executor.

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