Pease indicate your need(s) by placing a tick/ticks next to the appropriate statement/question:
Item
Please indicate priorities
Questions to ponder
Placements, Labour Broker, HR Services
1.
Human resources compliance
and risk management
Do you have an expert to deal
with your Labour and HR affairs? Do all your employment contracts,
company policies and disciplinary procedures comply with latest
legislation? Does it support your business performance?
Accounting Services
2.
Accounting and audit related
issues
Are you aware that with the
introduction of the New Companies Act it will no longer be
necessary for most Companies to be subjected to a formal audit
which can reduce your costs?
Tax/Consulting & Commercial Solutions
3.
Corporate tax and financial
planning
When was the last time you
obtained a second expert opinion whether your company's
financial affairs are structured tax effectively?
4.
Partnership or Shareholder
Buy and Sell Agreements
Has your business increased
in value? Would you like an up-to-date valuation and assessment of
your current agreements? Are your sure that your existing
agreements are correctly structured?
5.
Existing Buy and Sell
Policies
Are you sure that the current
(if applicable) buy and sell policies have been correctly deducted
by your auditors and that you may be faced with substantial Estate
Duty costs (Sec. 3 (3) (a) (iA)? Would you like to check?
6.
Contingent Liabilities &
Sureties
If you die, would your family
or your estate have to repay the debt to current business sureties
signed by you in your "personal" capacity?
7.
Old Personal Sureties
Are you 100% sure that all
your "old personal sureties" via your bank has been cancelled
or are they being held in the banks vaults to possibly haunt you
at a critical point in the future?
8.
Key Person
How much would a key person's
death affect your company's workload, decision-making and credit
arrangements?
9.
Credit Loan Account
Redemption
Would you like to know how to
get your money out of your company?
10.
Depreciation
Have you got plans in place
to replace your depreciating assets?
11.
Cash Reserve Creation
A tax-deductible way to
realize personal sureties (does the bank manager own you?)
Payroll Services
12.
Personal tax compliance and
tax planning
Are your personal tax affairs
in order? If not, you face outrageous penalties and interest from
this tax year. Are you utilizing all the deductions available in
order to minimize your tax liability? Are you aware of the tax
amnesties and exemptions which are available for tax payers?
13.
Payroll compliance and audit
Are you sure your payroll
complies with the current ever-changing PAYE Regulations and
Practices? If not, you are at risk to receive up to 200%
penalties plus interest from SARS. Are you taxing independent
contractors and Small Business Entities correctly?
14.
Remuneration package
structuring
Are you aware that you can
still structure your employees and your own remuneration packages
tax effectively notwithstanding the perception that SARS has
totally "clamped down" on allowances and fringe benefits and
that no structuring opportunities are available?
15.
" Expat" package
structuring
Are the remuneration packages
of your expat contractors structured tax effectively in terms of
latest Tax Legislation?
Group Retirement & Risk Funds
16.
Wealth Extraction (SARS Gift)
Would you like to extract
27.5% of your taxable income from your business via a Pension Fund
(a gift from SARS)?
17.
Pension or Provident Fund
Benefits
Would you like to consider a
"new generation" Pension or Provident Fund where substantial
death, disability and dread disease cover with added benefits such
as Remuneration Structuring Programmes and Personal Share
Portfolios supported by on line financial and investment report
systems which we guarantee will be more cost effective than your
current fund.
18.
Pension or Provident Fund
Costs
Would you like to review the
current administration costs, benefits, communication structure
and service delivery levels of your funds? There could be
substantial cost savings and improvements with substantial
additional benefits not afforded by your present Pension and
Provident Funds!
19.
Personal share portfolio for
your retirement fund savings
Would you like to have
personal control (via a personalized stock broker belonging to the
top stock broking company in the country dedicated to you) of your
retirement funds at a fraction of the costs you are presently
paying?
20.
Medical Benefits
Are you satisfied with your
medical aid?
21.
Medical Aid Pre-funding -
Retirees
How will you pay for medical
aid after retirement or if the company need to pay the premiums
how can it be done tax effectively for the company and yourself?
22.
Funeral Plans
Would low cost funeral cover
help stabilize your work force and their families?
23.
Preferred Compensation
BEE and Key individuals need
tax-deductible incentive plans to buy shares in your company or
keep profits
24.
Income Replacement
Would a disabled employee
cost you a fortune in empty salary?
25.
Personal share portfolio for
your retirement fund savings
Would you like to have
personal control (via a personalized stock broker belonging to the
top stock broking company in the country dedicated to you) of your
retirement funds at a fraction of the costs you are presently
paying?
26.
Simplify your investment and
retirement funds and reduce costs with more transparency and
control
Are you aware that your
private investment portfolio and retirement funds portfolios can
be administratively consolidated in order for you to have control,
access and total transparency of your portfolio at a fraction of
the costs you are presently paying (again via your personalized
stock broker)? Lower
costs better returns
27.
Tailor made short term
insurance cover
Have you ever considered
customized short term insurance cover, which suit your personal
profile and ensure that you are not over or under insured and
paying the premium which suit you're personal needs with
substantial guaranteed pay-backs available upon request?
Personal Trust & Estate Planning
28.
Personal estate and trust
planning
When was the last time you
reviewed your will? Are you aware that the Estate Duty Act was
amended to afford you greater estate duty relief? Have you ever
done a estate plan in order to determine whether there is enough
funds at hand upon your death for estate duties, executors fees,
maintenance of your family and to settle all debts? Do you
know that a trust is still an extremely effective method to
minimize estate duty, capital gains tax and income tax?
