2026 Financial check-in
2026 is already well underway — and it remains an excellent time to take control of your finances with clarity and confidence.
BVSA assists individuals and families in making informed, practical financial decisions that protect what matters most and build long-term financial security.
As you start the year, here are a few important financial check-in points for 2026:
1️⃣ If you passed away today, what would happen?
Do you have a valid will in place to protect your loved ones and ensure your wishes are carried out?
2️⃣ Would your family be financially secure?
Would your spouse and children be financially protected in the event of death, disability, or serious illness?
3️⃣ Do you have emergency funds available?
Access to short-term cash can make all the difference during unexpected events.
4️⃣ Do you have a realistic budget in place?
A proper budget provides control, direction, and peace of mind.
5️⃣ Are you planning for retirement?
Are you actively saving, and do you know if you’re on track to maintain your lifestyle one day?
6️⃣ Are you using a Retirement Annuity (RA) as a tax tool?
RA contributions can reduce your taxable income by up to 27.5%.
Have you maximised this benefit in the current financial year?
7️⃣ Do you have a Tax-Free Savings Account (TFSA)?
All growth is tax-free, with annual contributions of up to R36,000 and a lifetime limit of R500,000.
8️⃣ Is extra cash working hard enough for you?
If you’ve already maxed out your RA and TFSA but have money sitting in savings, options like unit trusts may help your capital grow more effectively.
At BVSA, we pride ourselves on offering holistic, tailor-made financial advice suited to each individual’s needs.
We are independent, which means we are not tied to any product provider and can service all major providers.
Our services include:
✔️ Wills & estate planning
✔️ Risk cover (life, disability, dread disease)
✔️ Investments
✔️ Retirement planning
✔️ Comprehensive financial planning
It’s never too late — the most important step is simply to start.
If you’d like to review your position or plan with confidence for 2026 and beyond, feel free to reach out.
info@bvsa.co.za / BVSA Concilium
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