Services

Practical expertise, proven frameworks, and a South‑African lens.

At GoPlan.fun we don’t sell products—we engineer outcomes. Each service below can be engaged à‑la‑carte or bundled into a tailored programme that evolves with you and the ever‑shifting financial landscape of South Africa.

1. Personal Wealth Architecture

A holistic service that fuses cash‑flow mapping, portfolio design, and behavioural coaching.

  • Goal‑Driven Planning – We translate lifestyle dreams (new home, PhD, gap year) into measurable spending and saving milestones.
  • Evidence‑Based Investing – Portfolios blend low‑cost index funds, factor tilts, and local JSE holdings to hedge rand volatility while capturing global growth.
  • Behavioural Guard‑Rails – Scheduled “decision audits” reduce emotion‑driven mistakes like panic selling or premature withdrawals.

Best for: Professionals, high‑net‑worth families, and expats repatriating capital.

2. Retirement & Preservation Strategies

Structuring every rand to work beyond your salaried years.

  • Multi‑Bucket Decumulation – Short‑, medium‑, and long‑term pools smooth cash‑flow and mitigate sequence‑of‑return risk.
  • Regulation 28 Compliance – Asset splits stay aligned with pension regulations while maximising after‑tax growth.
  • Cross‑Border Pensions – Consolidate offshore schemes or transfer 401(k)/SIPP balances efficiently under South‑African tax law.

Best for: Mid‑career professionals, pre‑retirees, and retirees seeking sustainable income.

3. Tax Optimisation & SARS Liaison

Pay only what the law requires—nothing more.

  • Annual Tax Diagnostics – We run a 30‑point inspection across capital gains, foreign dividends, and Section 12T/12J thresholds.
  • Proactive Structuring – Trusts, endowments, and corporate wrappers chosen for their tax efficiency, not commission.
  • Hands‑On SARS Support – We submit objections, manage verifications, and accompany you through audits.

Best for: Business owners, investors with complex portfolios, and anyone who dreads 1 July.

4. Business Advisory & Corporate Finance

Accelerate growth, enhance liquidity, and unlock shareholder value.

  • Capital‑Raising Roadmaps – From angel rounds to JSE AltX listings; term‑sheet analysis included.
  • Cash‑Flow Engineering – Dynamic 13‑week forecasts detect working‑capital crunches before they hit.
  • Valuation & Exit Planning – Discounted‑cash‑flow, precedent transactions, and option‑pricing models inform strategic negotiations.

Best for: SMEs, scale‑ups, and founders preparing for liquidity events.

5. Employee Benefits & Group Wellness

Transform benefits from a cost centre into a retention magnet.

  • Umbrella Fund Curation – Low‑cost, Regulation 38‑compliant pension options with transparent reporting.
  • Risk Cover Benchmarking – Competitive group life, disability, and medical‑aid gap analysis.
  • Financial Wellness Workshops – CPD‑accredited sessions that boost morale and productivity.

Best for: HR teams, boards, and startups scaling headcount rapidly.