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Lets start this very exciting journey today… Choose one of the following
  • Do you want to do an estimate of your 
  • Do you want to do an estimate of your 
  • Do you want to do an estimate of your 
  • To consult a licensed Financial Advisor 
  • Disability Estimator
    Expected Investment Growth rate In Your Experience
    Inflation Rate In Your Experience
    What is the initial income from your income protector insurance policy This is a cash flow enhancement tool
    What is the waiting period in months This will only make a real difference if it is over 12 months
    By how much will it increase annually This depends on your contract
    Present age Normally at reirement age - but could be a shorter period
    At what age will it cease Normally at reirement age - but could be a shorter period
    Property rental/ other income Increasing at the inflation rate
    What does you spouse earn monthly Spouse Gross Salary
    How many years will your spouse continue to work Normally this would be the term to retirement age
    What cash does your family require as take home monthly Our full Assessment tool will remind you of hidden costs
    Use an SA Tax Calculator for the correct Tax Figure Ignore tax at your family's peril
    For how long in years, will your family require the income Variable terms of required income arenot taken into account EG child education costs
    Would you sell any asset and turn it into cash Sale of vehicles, property or collectables to generate extra income
    What liabilities would you want to pay off- Bond, Vehicle Loans, Credit Card etc Remember to adjust your take home cash or budget by the saved monthly instalments
    Vehicle and Home Modification and other disability appliance cost Extra Contingency Planning
    How much capital disability cover do you have Lump Sum Disability Cover on your life payable for your families use
    How much do you have accumulated in your investments What is the present fund value of your investments
    How much do you have accumulated in your retirement funds What is the present fund value of your retirement annuities pension funds etc
    How much does your spouse have in accumulated instruments The present fund fund value should be used for this estimation
    How much does your spouse have in accumulated retirement funding The present fund fund value should be used for this estimation
    Income Summary
    Monthly income available 
    0
    Monthly income required  
    0
    Monthly shortfall/ Excess 
    0
    Capital Summary
    Initial available cash 
    0
    Initial liabilities and expenses 
    0
    Initial shortfall/ Excess 
    0
    Assessment
    Funds available will provide an income for 
     
     years
    Additional cover required 
     
     capital
     
    Assumptions
    • Assumption #1 : Your spouse salary will increase by inflation
    • Assumption #2 : You have estimated your family’s income needs fairly accurately
    • Assumption #3 : You have calculated the tax requirement accurately
    • Assumption #4 : You realise that this is an estimation - and does not take children or dependants term of requirement into account
    • Assumption #5 : You have taken ALL your hard assets into consideration
    • Assumption #6 : You have added up every cent that your estate could be liable for (no nasty surprises) Including Executor's Fees
    • Assumption #7 : You are sure that your life cover is active and not payable to a third party
    • Assumption #8 : The fund values for your investments are up to date
    • Assumption #9 : Your retirement instruments are divorce decree proof
    • Assumption #10 : You understand the rules of group life cover you may have
    Cash Flow