Your business. Your finances. Your legacy. One ledger.
A chartered accounting model for South African families, delivered as a single CA-led engagement in three stages, with the Business and Personal Wealth Audit as its hub. Diagnose first. Engage modularly. Build a wealth system, not a financial obligation.
Practising since 2009. The client and retention figures are our own estimates across that time.
Credentials
- CA(SA) ledChartered Accountant (South Africa)
- SAICA memberSouth African Institute of Chartered Accountants
- Reg. 2009/018813/07Managing Advancing Wealth (Pty) Ltd
Wealth that is understood is wealth that survives.
Wealth planning is too often reduced to a checklist of milestones (a degree, a house, a car, a child’s wedding, a comfortable retirement) and the tax structures that minimise the cost of getting there.
That definition is too small. It treats wealth as an expense-management exercise, and leaves the most important variable untouched: the family.
At Managing Advancing Wealth, we hold a different view. Wealth planning is the discipline of building a multi-generational system in which the people you love are not financial obligations to one another, but conscious participants in a shared endeavour.
This approach quietly dismantles the most damaging force in family finance: the reverse-dependency cycle. When parents under-fund their retirement, the burden silently transfers to the next generation. When children acquire no wealth discipline of their own, they become a draw on the parents’ capital. Either direction corrodes the family.
Looking after your own retirement, properly and structurally, is therefore not a self-interested act. It is what allows the love bonds in a family to remain love bonds, uncomplicated by obligation, undistorted by guilt.
That is what we mean by managing, and what we mean by advancing.
Two entry paths. One long-term relationship.
Every engagement starts with a discovery conversation. You can begin with Stage 1, Accounting, Tax & Business Compliance (ATBC), or commission a standalone Business and Personal Wealth Audit. Both lead to the same outcome: an engagement scaled to what your family actually needs.
The Business and Personal Wealth Audit
The heart of the engagement, and available on its own: you can commission the audit without any other stage. Before you commit further, find out what you actually need across business, personal finances, and the next generation. A paid diagnostic that examines whether your family is operating as a multi-generational system or quietly drifting into the reverse-dependency cycle.
Eleven dimensions, five phases
Worked in five delivery phases: Map → Protect → Model → Structure → Govern & Prepare. We quantify your position first, then design the structures that minimise, reduce or defer tax.
Ready to start with the audit?
A discovery call first, then a written quote for the audit engagement.
Three stages. One hub. Engaged modularly.
Start with Stage 1 or with the audit; the Annual Review follows the audit. Take the audit alone, or build the full engagement: the audit recommends what fits, but the choice is always yours.
Accounting, Tax & Business Compliance
Everything compliance-related for the principal’s businesses. You can start here, and where it is in place the audit is sharper and faster. It is not a prerequisite for the audit.
What’s included
- Monthly bookkeeping & bank reconciliations
- Payroll administration (UIF, PAYE, EMP201, EMP501)
- VAT201, provisional & annual income tax
- CIPC annual returns & beneficial owner maintenance
- Return of Earnings (WCA), labour law compliance
- Annual Financial Statements & senior-reviewed monthly management accounts
Business and Personal Wealth Audit
The heart of the engagement, detailed in full above. A point-in-time examination across 11 dimensions, producing a written diagnosis and engagement roadmap you own. Engageable on its own, with or without Stage 1.
What it produces
- An examination across 11 dimensions: business and personal, in one view
- A written diagnosis you own: act on it with MAW, or independently
- A prioritised engagement roadmap
- The findings that trigger the implementation add-ons below
Annual Review
Keeps the plan current. Legislation, the Budget, the estate, the business and the family all move: last year’s diagnosis decays. The Annual Review re-models the position each year to keep it true. It depends on the audit.
What’s included
- An annual deep-dive re-model of the whole position
- Personal income tax return (ITR12)
- Investment portfolio coordination across the family’s FSPs
- Estate readiness & will review, revisited every year
- Ad-hoc advisory within scope
Implementation add-ons.
The audit produces a diagnosis; the diagnosis triggers the work. When the findings call for action, these attach to the engagement, each scoped on its own terms.
Will drafting
Drafted in-house, aligned to the estate plan the audit models.
Trust deed drafting
Drafted in-house; complex or contested deeds are referred to partner attorneys.
Trust Formation & Administration
Master of the High Court registration, Letters of Authority, and the ongoing run of the trust. See the service →
Trustee & executor appointment
Where MAW drafts the will and is appointed executor, you must actively choose MAW: it does not default in.
Business & Trust Restructuring
Where existing structures need re-shaping: the corrective work. See the service →
Will drafting and trust deed drafting are handled in-house; complex or contested deeds are referred to partner attorneys. MAW coordinates the attorney for the legal work and runs the financial, tax and compliance life in-house.
The questions we hear most often.
What does the Business and Personal Wealth Audit cost?
Does the audit fee credit toward the recurring fees if I engage further?
Can I just engage Stage 1 (Accounting, Tax & Business Compliance) without the audit?
Why does my children’s financial education matter to an accounting firm?
I already have an accountant and a separate financial planner. Why change?
What if I want to drop a stage later?
Will my data live somewhere I do not control?
Do you sell financial products (insurance, RAs, investments)?
Find out what you actually need.
Start with a discovery call: free, no commitment. We listen first, then propose the right path.
What happens on the call: 30 minutes, online. We get to know your business and check that we are the right fit for each other, answer the questions you bring, share best practice for your setup, and quote for any work that falls within our services.
CA(SA) led practice +27 10 592 7717 info@mawinc.co.za 101 Rose Avenue, Lenasia, Johannesburg