Aan die einde van 2016 het die gemoed van die mensdom uitdrukking gevind in gesprekke in die raadsaal, stories rondom braaivleisvure, artikels in gedrukte- en aanlynmedia, en veral in grappies op sosiale media – almal het genoeg gehad, 2016 kon nou maar einde kry!

Maar toe het 2017 weer begin met ‘n goeie dosis van sy eie slegte, en tog ook interessante medisyne: met verrassende uitsprake deur wêreldpolitici, met nog sportlui wat die land verlaat, met meer onsekerheid oor maatskappye se winsgrense, met dividendbetalings wat taan en met ‘n algemene afwagting wat voortduur – wanneer gaan die gety draai?

Ons reken die maklikste reaksie hierop is om aandag te gee waar jy wél invloed kan uitoefen, hetsy in jou gesin, jou gemeenskap of jou besigheid om die gety in jou lewe te laat draai. Hoe gaan jy 2017 anders aanpak?

Churchill het gesê, “He who fails to plan, plans to fail”, en hoe waar is dit nie. Hiermee, dus, ons raad vir hoe om vir 2017 te beplan en omstandighede in jou guns te laat swaai:

  1. Belastingbeplanning: Met individue, trusts en ook meeste beslote korporasies en maatskappye se belastingjaareinde op 28 Februarie, is die afsluiting van die 2017 belastingjaar voor die deur. Maak seker dat jy die nodige insette kry oor hoe om jou belastingvoordeel met betrekking tot sake soos aftreevoorsiening te maksimeer, teken jou motor se odometerlesing aan op 28 Februarie indien jy ‘n reistoelaag ontvang waarteen jy jaarliks reiskoste eis, en maak seker dat jy nie aan die keiser betaal wat hy vra nie, maar net wat hom toekom!
  1. Finansiële beplanning: Is jy besig om maandeliks te spaar vir onvoorsiene gebeure? Hoe lyk jou aftreebeplanning? Is jou testament op datum? Is jy gemaklik met die finansiële pad waarop jy of jou besigheid beweeg? Indien enige van hierdie vrae jou ongemaklik laat voel, beplan vandag oor watter stappe jy gaan neem om jou ongemak aan te spreek, of praat met ons vir verdere insette. In gevalle waar ons nie kan help nie, kan ons jou na betroubare adviseurs verwys.
  1. Strategiese bestuur: Wat gaan jy hierdie jaar anders doen om seker te maak dat jy jou of jou besigheid se potensiaal kan verwesenlik? Is jou besigheid optimaal gestruktureer, weet jy waar jy in jou besigheid geld maak en waar nie, ontvang  jy intydse inligting waarmee jy relevante en goeie besigheidsbesluite kan neem?
  1. Begroot en bestuur: Of dit tyd of geld is, dit kom nie vanuit ‘n onuitputbare bron nie en jy moet die regte keuses maak om te verseker dat dit optimaal benut word.

Maak in 2017 seker jy het die regte adviseurs en sakevennote aan jou sy om jou in ‘n posisie te plaas om enige verdere onsekerheid die hoof te bied, en as’t ware te kan deurbreek om jou eie potensiaal en dié in jou besigheid te verwesenlik.

Ons sien uit daarna om die onderliggende geleenthede te soek in die uitdagings wat in 2017 na ons kant toe kom, en is opgewonde om ons eie planne en strategieë tot uitvoering te bring!

2017: A year to remember

At the end of 2016 people’s mood  found expression in boardroom discussions, stories around barbecue fires, articles in the printed and online media and especially in humour in the social media – everyone had had enough, 2016 should now come to an end!

But then 2017 started with a solid dose of its own bad yet also interesting medicine: with surprising pronouncements by world politicians, with more sportspeople leaving the country, with more uncertainty about the profit margins of companies, with dwindling dividend payments, and with a continuing expectation – when is the tide going to turn?

We reckon the easiest response is to attend to areas where you can indeed exercise influence, whether in your family, your community or your business, in order to turn the tide in your life. How else are you going to tackle 2017?

Churchill said, “He who fails to plan, plans to fail”, and how true this is. Therefore our advice on how to plan for 2017 and let circumstances turn in your favour, is the following:

  1. Tax planning: The tax year-end for individuals, trusts and most close corporations and companies is 28 February and this means that the closing of the tax year is imminent. Make sure that you obtain the necessary inputs on how to maximise your tax benefit with regard to matters such as retirement provision, make a note of your car’s odometer reading on 28 February if you receive a travel allowance against which you annually claim travel expenditure, and make sure that you do not render unto Caesar more than is due to him!
  1. Financial planning: Are you saving on a monthly basis to provide for unforeseen events? How do matters stand with your retirement planning? Is your will up to date? Are you comfortable with the financial route you or your business is on? Should any of these questions make you uncomfortable, start planning today for the steps you should take to address your discomfort, or speak to us for further inputs. In instances where we cannot be of assistance we can refer you to reliable advisers.
  1. Strategic management: What are you going to do differently this year to ensure that you can realise your potential or that of your business? Is your business structured optimally, do you know which parts of your business are making money and which not, are you receiving real time information that enables you to take relevant and sound business decisions?
  1. Budget and manage: Neither time nor money comes from an inexhaustible source and you need to make the right choices to ensure that they are used optimally.

Make sure in 2017 that you have the right advisers and business associates by your side to  position you for coping with further uncertainties and to make a breakthrough, as it were, in realising your own potential and that of your business.

We look forward to searching for the underlying opportunities in 2017’s challenges that come our way and are excited about executing our own plans and strategies!

2017: ‘n Jaar om te onthou?