#buildingwealth

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You ever meet someone and go "Ah... I feel better now"? That's how Kitty and I felt when we first met Jordan Grumet, aka Doc G. He's not only an expert on finance stuff, he's a doctor! A hospice doctor, to be exact. And he brings his experience taking care of people at the end of their lives to bear in his book, "Taking Stock: A Hospice Doctor's Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life."

I remember the first day I lost my job, a job that I had been at for seven years. I was a manager, and was making good money, but I was miserable. I realized I was miserable, and I did make little efforts to try and find something else, but I didn’t really push hard enough for anything to work out. I had become comfortable in my misery and like others, I was content to be stressed all the time, so long as the bills were paid.

Then I lost the job. It was not expected, but from the very moment I stepped foot out the door I felt at peace about it. Why did I feel at peace about it? Because I knew it was right. I knew that it was time to leave, and I immediately felt excitement, something I hadn’t felt in a long time. Instead of panicking about it, I looked at it as an opportunity to get my own stuff started up, and perhaps break away from the job system that I’d been in almost since I was old enough to work.

I had a lot of different options and remember, it’s important to have multiple streams of income coming in, even if you work a regular job. Never put your eggs in one basket. I started getting my music studio set up for one, but soon found that I was going to need ways to fund it before it took off. A much simpler type of business to get started up is a network marketing business. There are already so many, and while lots of them aren’t very good, there are a few that are.

The great thing about network marketing companies is that they already have their products, and often times they are set up where your customers can simply order them from online. Half the work is already done for you, which leaves you with finding the customers. Of course, it’s not an easy task, but it is one that you can do if you put in the time and effort. The fact that you don’t have to go through all the trouble of finding products to sell and setting up where and how to get the products is awesome!

Another great thing about network marketing businesses is that you work for yourself, and you run your business how you want too. You work when ever you want to and for as long as you want to. Generally you are not limited in what you can make either, it’s performance based so the amount you make depends on you! Needless to say, on the advice of friends I got one started up and it really is a great and very simple business venture to get started up!

Matthew

ASEA Independent Associate

The Wellness Warriorz – If you’d like to learn more about how you can start up a network marketing business to earn extra income email us at [email protected]!

For decades, trusts have been positioned as the cornerstone of estate planning in South Africa. They have been sold as protection, tax efficiency, and generational continuity — and in many cases, rightly so.

but the world has changed

Today, investors are global. Wealth is mobile. And the questions clients are asking are sharper: Do trusts still make sense? Are they necessary? Or are there better ways to structure wealth in 2026 and beyond?

The answer is not binary. Trusts still have a role — but only when used correctly and for the right reasons.

Understanding the Role of a Trust

At its core, a trust separates ownership, control, and benefit. It is not an investment — it is a structure.

A well-designed trust acts as a long-term governance system, allowing wealth to move across generations without disruption. This is critical at a time when we are seeing the largest intergenerational wealth transfer in history.

Yet, most family wealth does not survive beyond two or three generations. The failure is rarely investment performance. It is structure, discipline, and decision-making.

Trusts were designed to solve exactly that problem.

Where Trusts Still Add Value

When used properly, trusts offer real and meaningful advantages:

Continuity: The structure survives the individual, allowing assets to remain invested and intact

Estate efficiency: Assets can sit outside the personal estate, reducing friction such as estate duty and executor delays

Liquidity protection: Prevents forced sale of assets like property or businesses

control beyond your lifetime

Asset protection: Shields wealth from certain risks, depending on structure and governance

Controlled distributions: Ensures beneficiaries receive wealth responsibly over time

In essence, a trust is not about tax. It is about control beyond your lifetime.

The Problem: Poorly Structured Trusts

However, many South African trusts were created for the wrong reasons — primarily tax.

Today, these structures are under pressure:

High tax rates within trusts

Section 7C and donations tax implications

Administrative and compliance burdens

Founder-controlled trusts that fail legal tests

the reality is simple: A poorly run trust destroys value

And in many cases, clients would have been better off without one.

Do Trusts Still Have a Role?

Yes — but they are no longer the default.

Trusts are most effective when:

There is a clear multi-generational strategy

The asset base is meaningful and growing

There is risk exposure (business or professional)

Beneficiaries require guidance or protection

They are less effective when:

Used purely for tax

The founder wants full control

The structure is not actively managed

A trust must solve a problem. If there is no problem, there should be no trust.

Modern Alternatives and Enhancements

Investors today have more options:

Offshore investing for currency protection and global growth

Endowments and wrappers for tax efficiency within simpler structures

Corporate vehicles for business and investment continuity

But the real shift is not choosing one over the other.

solution is integration …

The Modern Approach: Structure + Currency + Income

At Quality Group, we increasingly see the most effective strategies combining:

Trust structures for governance and succession

Hard currency investments for stability and purchasing power

Predictable income assets to fund lifestyle and reinvestment

This creates a layered approach:

Protect the structure

Protect the currency

Grow the capital

Should You Go Offshore Instead?

This is the wrong question.

The right question is: How do I combine structure and geography to protect my future?

Offshore investing without structure creates risk. Trusts without global exposure create limitation.

The solution is both.

Conclusion

Trusts are not outdated. But they are misunderstood.

They are not tax tools. They are not shortcuts. They are not for everyone.

They are precision instruments for families who want their wealth to outlive them — and to survive the next generation.

Financial Freedom by 50

If you are between 30 and 40 years old, or you wish to save towards education, or that yacht, your greatest financial asset is not your salary or your business

It is time

You have something previous generations rarely had in abundance: a 15–25 year runway before traditional retirement age. That is long enough for economic cycles to rise and fall, for new technologies to reshape industries, and for disciplined investing to transform small monthly contributions into meaningful wealth.

Markets will fluctuate. They always do.

The real question is whether you will structure your capital intelligently enough to benefit from those fluctuations rather than fear them.

Read more: https://futureprooftomorrow.com/financial-freedom-by-50/

Book a free consultation: https://qualitygroupsa.com/connect/