South African Residents · Expats Settling in Cape Town

Straightforward onshore investment and retirement planning, based right here in South Africa.

I help South African residents — and expats settling permanently in Cape Town — build the local side of their financial plan: retirement annuities, tax-free savings, local investment portfolios and protection cover.

Book an Introductory Call Get the Free SA Guide

Investing offshore or based outside South Africa? See Offshore Investing.

Who I work with

South African Residents

Building a proper retirement and investment strategy locally — not just a retirement annuity you set up years ago and never looked at again.

Expats Settling Permanently

Once South Africa is home, your offshore plan needs a local counterpart — retirement annuities, local tax-free savings and cover that actually applies here.

Families Wanting Tax-Efficient Growth

Making full use of the tax-free savings allowance and retirement annuity deductions before looking anywhere else.

How I can help

Two areas I prioritise for new clients locally, plus the wider onshore planning available once your plan is in place.

Priority

Retirement Annuities

South Africa's flagship tax-efficient retirement vehicle — contributions are tax- deductible up to the annual limit, and growth is untaxed until retirement. A core building block of any local retirement strategy.

Priority

Local Investment Portfolios

Lump sum or recurring investment into local unit trusts and discretionary portfolios, structured around your goals, risk appetite and tax position.

Tax-Free Savings Accounts

Make full use of your annual tax-free savings allowance before considering taxable alternatives.

Local Life & Disability Cover

Life, critical illness and disability protection structured for South African tax and estate rules.

Wills, Trusts & Estate Planning

Locally-drafted wills and trust structures so your estate is handled the way you intend.

Education Fee Planning

Structured saving toward school and university costs, locally or abroad.

Need investments held offshore instead? See Offshore Investing.

Book a 30-Minute Introductory Call

Pick a time below and it goes straight into my calendar — you'll get an automatic email confirmation and a reminder before we speak. No back-and-forth needed.

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Free Guide: Onshore Investment & Retirement Planning in South Africa

A short, practical guide covering the questions I get asked most locally: retirement annuities vs. other retirement vehicles, making the most of your tax-free savings allowance, and what to check before committing to any local investment. No obligation, no spam — just the guide.

About Rory Phillips

I'm a financial planner who has spent recent years based in Kuala Lumpur, helping expats from the UK, Ireland and the Netherlands navigate offshore investing, pension transfers and cross-border financial planning. I'm now relocating to Cape Town, bringing that same approach to South African residents and expats settling here — both onshore and offshore.

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Previously based in Kuala Lumpur; relocating to Cape Town, South Africa

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How it works

Introductory Call

A no-obligation 30-minute conversation to understand your situation and what you're trying to achieve. Book a time.

Your Plan

We build a proposal suited to your retirement and investment goals, matched to the right local products and providers.

Implementation & Review

Your plan is put in place and reviewed regularly as your circumstances change.

Get in touch

Prefer to just talk first? Book a call directly — it's the fastest way to reach me. Otherwise, send a message below and I'll come back to you to arrange a time to speak, in person in Cape Town or by video call.

Email: [your-email]
WhatsApp: [+27 XX XXX XXXX]