Retirement Planning

Will you actually have enough — and from what age?

Most people reach 55 having saved diligently but never having asked the one question that matters: will this last? We answer that question properly, then help you close whatever gap remains.

Consultant reviewing retirement paperwork with a client at Elvaris & Co

01 / A two-minute check

Do you know your number?

Tick what's genuinely true for you today — not what you intend to sort out eventually.

I know, within 10%, what my total retirement savings are worth today across all providers.
I've calculated what income that would produce, adjusted for inflation, for the next 25-30 years.
I know how my retirement annuity, pension fund and any provident fund interact at retirement.
I've considered what happens if I retire five years earlier than planned.
I have a written plan, not just a mental estimate.

The honest verdict

If you ticked fewer than three, you're not alone — and it's a very fixable gap. A single planning session usually gets you from "roughly hopeful" to "specifically confident".

02 / How we get you there

Our retirement planning process

Gather and consolidate

We pull together every retirement vehicle you hold — RAs, pension and provident funds, preservation funds, offshore holdings — into one document you can actually read.

Project and stress-test

We model your likely income at several retirement ages and under several market conditions, so you see the range of outcomes, not one optimistic number.

Close the gap, deliberately

Where there's a shortfall, we lay out the realistic options — later retirement, adjusted contributions, different asset allocation — and their real cost in plain terms.

Review annually, adjust as life changes

Retirement plans go stale. We check in every year, or sooner if your circumstances change, to keep the plan honest.

03 / Common questions

Retirement planning, answered plainly

It's the ideal time. Small corrections made early cost far less than large corrections made at 55, and we can build habits that compound quietly for decades.

No. We are not tied to any product provider. We recommend structures and, where relevant, refer you to providers — but we don't earn commission for steering you toward any one of them.

An initial planning session is a fixed, disclosed fee agreed before we start. Ongoing reviews are billed separately and only if you choose to continue with us.

It depends on when you left that employer and how the fund has been structured since, due to recent retirement reform. We'll check the specific rules that apply to your fund before recommending anything.

Yes — a large part of our work is helping retirees manage drawdown, adjust for inflation, and make sure their income lasts as long as they do.

Then we tell you clearly, and lay out the honest options — most people find that even a modest adjustment, made in time, solves the problem entirely.

Let's find your actual number.

Bring whatever statements you have — even incomplete ones. We'll take it from there.

[email protected]

+27 21 447 3982 info@elvaris.pro Kloof Street, Gardens, Cape Town