AS FEATURED ON
Why Many Wealthy South Africans
Reach Retirement Without a Plan
Many people spend decades building wealth. But when retirement approaches, they realise something important is missing - a clear plan for how that wealth should actually support their life.
We often meet successful professionals and business owners who have done well financially, yet their finances are still not organised around retirement.
Common challenges we see include:
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Investments spread across multiple platforms and providers
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No clear strategy for turning assets into reliable retirement income
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Paying more tax than necessary
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Estate plans that don’t fully reflect their wishes
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And the Big Question:
Do I have enough to retire - and will my money last?
This is where structured retirement planning can change everything.
Hardi Swart CFP
Managing Director
2019 FPI South African Financial Planner of the Year
2024 Citywire Top 50 Financial Planners South-Africa
Step 1:
Exploration Call
Before becoming a client, the first step is an Exploration Call. This short conversation helps us understand your situation, what you want to achieve, and whether Family Wealth Custodians is the right fit.
Step 2:
360° Information Gathering
We gather the key information needed to build your retirement plan - not only the numbers, but also what matters most to you, your family, and your future.
Step 3:
Your Bespoke Retirement Plan
We bring everything together into a clear and personalised retirement plan designed around your income needs, investments, tax position, and the life you want your wealth to support.
Trusted Investment Platforms We Work With:
Why Hundreds of Families Trust Family Wealth Custodians?
"Retirement expertise, with a human touch."
Choosing a financial planning partner is one of the most important decisions you will make for your future. Our approach combines experience, independence, and thoughtful planning designed around real lives.
Combined Experience Across the Team
Our team brings together more than five decades of combined experience across asset management, wealth management, retirement planning, tax planning, and fiduciary planning.
Recognised for Excellence in Financial Planning
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Top 3 Finalist – 2018 South African Financial Planner of the Year
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Winner – 2019 South African Financial Planner of the Year
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Best Adviser Firm South Africa (Established Under 3 Years) – 2023 International Adviser Best Practice Awards
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Named in the 2024 Citywire Top 50 Independent Financial Planners South Africa
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Regular contributor to leading financial publications
Independent and Client-Focused
We are not tied to a single product provider. Our advice is shaped by what is most appropriate for your retirement, your family, and your long-term goals. At Family Wealth Custodians we will always put your best interest first.
Educating Thousands of South Africans About Retirement
Family Wealth Custodians has built one of South Africa’s leading retirement-focused financial education platforms, helping thousands of people make better financial decisions.
Our goal is simple: to bring clarity, structure, and confidence to one of the most important phases of life - retirement.
Top 3
Winner
Best
Practise
Top 50
Who We Typically Work With
Family Wealth Custodians works best with individuals and families who are approaching retirement or already retired and are looking for thoughtful, structured financial planning.
Professionals Approaching Retirement
Successful professionals who have built meaningful wealth and want clarity around their retirement income, investments, and long-term financial future.
Families Focused on Retirement and Legacy
Individuals, couples, and families who want a clear financial plan that brings together retirement income, tax planning, estate planning, and passing wealth to the next generation.
Business Owners Preparing for Their Next Chapter
Entrepreneurs preparing to move from business income to retirement income and wanting to structure their wealth with care and intention.
If this sounds like you, we invite you to start a conversation.
What Retirees Say About Working With Us
"Hardi and his team helped us structure our investments and think more carefully about tax and estate planning. The process was thoughtful and reassuring."
C Sidego, Stellenbosch
"What stood out most was the level of care and detail in the planning process. We finally feel that everything is organised around our retirement."
T Mkatshana, Sandton
"Working with Family Wealth Custodians brought clarity to our financial lives. For the first time we feel confident about our retirement plan."
G Du Toit, Pretoria
