Webinar | Understanding Estate Planning Through a Tax Lens - Series - CPD Consortium

Understanding Estate Planning

Through a Tax Lens

Beyond the Will: What Estate Planning Really Involves

11 September 2025
10:00 – 11:00AM

Beyond the Will: What Estate Planning Really Involves

R180.00  |  Free to package holders
 1 CPD Point Available

Guest Speaker:
Cheryl Howard

Balancing Wills, Fiduciary Duties, and Taxes Payable at Death

18 September 2025
10:00 – 11:00AM

Balancing Wills, Fiduciary Duties, and Taxes Payable at Death

R180.00  |  Free to package holders
 1 CPD Point Available

Guest Speaker:
Cheryl Howard

Aligning Estate Planning Tools: Wills, Trusts, and Other Structures

25 September 2025
10:00 – 11:00AM

Aligning Estate Planning Tools: Wills, Trusts, and Other Structures

R180.00  |  Free to package holders
 1 CPD Point Available

Guest Speaker:
Cheryl Howard

Managing Tax Exposures for Estates with Non-Resident Heirs

02 October 2025
10:00 – 11:00AM

Managing Tax Exposures for Estates with Non-Resident Heirs

R180.00  |  Free to package holders
 1 CPD Point Available

Guest Speaker:
Cheryl Howard

Package Deal - R600.00 for all 4 webinars!

Estate planning is far more than drafting a Will – it requires navigating tax exposures, global structures, and complex family dynamics to ensure wealth is preserved and transferred effectively. 

 This collection of webinars unpacks the technical and practical aspects of estate planning, focusing on the intersection of tax, legal considerations, and compliance obligations. Each session stands alone and provides clear insight and guidance for professionals advising clients on succession planning, tax exposures, and long-term wealth preservation. 

At its core, estate planning demands a careful balance: managing the tax consequences of death (estate duty, capital gains tax, income tax, and cross-border exposures) while addressing the realities of offshore assets, foreign Wills, and international structures.  

The aim is to achieve compliance and enable the smooth transfer of wealth across generations. Sign up to gain practical insight into the tax and succession issues shaping estate planning today. 

MEET OUR PRESENTER

Key Topics Under the Lens: 

Beyond the Will: What Estate Planning Really Involves
| 11 September 2025

Webinar Objective:  What does estate planning entail? This webinar will focus on providing a practical foundation on estate planning, highlighting the tax exposures and family considerations that must be balanced for effective tax planning and estate succession outcomes. 

Begin with the end in mind

Understanding family dynamics

Understanding the other professional players

The tax impact for the heirs on their inheritances

  • Financial support for elderly parents
  • Dependant children and Trust Type B’s
  • Children and grandchildren and where they will be living or might end up living
  • Ex spouses and maintenance orders

Structures already in place and how to use these efficiently on death

Philanthropy and tax planning benefits

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Balancing Wills, Fiduciary Duties, and Taxes Payable at Death
| 18 September 2025

Webinar Objective: The Will, Fiduciary Appointments, and Taxes Payable at Death – this session will focus on the tax exposures that arise at death, and how Wills should be drafted and reviewed, together with fiduciary appointments aligned, to meet South African and cross-border obligations while managing these exposures effectively. 

A South African Worldwide Will versus jurisdictional Wills based on where assets are held

A high-level overview of what taxes are payable at the date of death and by when

Forced heirship in certain jurisdictions and how this impacts estate planning

Court sealing of documents and DIRCO for reporting of assets held abroad 

Appointment of executors and trustees – local and foreign

Letter of wishes versus Trust Policy statement

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Aligning Estate Planning Tools: Wills, Trusts, and Other Structures
| 25 September 2025

Webinar Objective: Dovetailing the Trust to the Will and Other Structures – this webinar will explore how to align Wills with trusts and other structures to achieve tax efficiency at succession, addressing exposures such as estate duty, CGT on death, and the taxation of beneficiaries thereafter. 

Making sure the Will and the Inter Vivos Trusts - whether registered in SA or offshore - sync with each other

Other structures, such as companies and partnerships

What taxes apply and who pays if at all when the director, shareholder and or business partner dies

Tax implication for beneficiaries on inheritance and in future years

Managing Tax Exposures for Estates with Non-Resident Heirs
| 02 October 2025

Webinar Objective: Tax Considerations for Non-Resident Heirs– this session will provide practical guidance on managing estate duty and cross-border tax exposures where heirs are non-resident, with emphasis on compliance in both South Africa and foreign jurisdictions. 

What happens to foreign assets invested abroad using the Authorised International Transfer (AIT)

Protecting foreign assets for the surviving spouse while still benefiting from the S4q abatement and the taxes thereafter

Payment of taxes upfront to protect the foreign asset held abroad and how to secure the liquidity for these taxes

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WHO SHOULD ATTEND?

Tax Practitioners and Advisors

Tax practitioners and advisors involved in estate and succession planning.

Accountants and Auditors

Accountants and auditors managing tax and compliance for estates and trusts

Fiduciary Specialists and Estate Planners

Fiduciary specialists and estate planners responsible for structuring and administering estates

Estate Planning Attorneys and Legal Advisors

Estate planning attorneys and legal advisors dealing with Wills and succession planning

Financial Advisors

Financial advisors guiding clients on estate planning, tax exposures, and intergenerational wealth transfer

MEET OUR PRESENTER

Cheryl Howard
Chartered Accountant

Cheryl Howard is a Chartered Accountant with extensive expertise in estate planning, tax, and fiduciary services. Estate planning has become her core professional focus, where she brings decades of experience in guiding high net-worth families through complex legal, tax, and succession matters with clarity and care. Cheryl began her career at Deloitte before moving to Kessel Feinstein (now SNG Grant Thornton), specialising in Private Client Tax. In 1994, she joined BoE Private Bank, managing the Johannesburg office’s Private Client, Deceased Estates, and Fiduciary businesses.

By 2000, she had established her own multi-family office practice, dedicated to comprehensive tax, estate planning, and fiduciary solutions, while also overseeing venture capital and private equity investments on behalf of her clients. After selling her business in 2018 to an international fiduciary company, Cheryl led their South African office until 2020. Following a brief sabbatical, she re-established her independent practice, returning with a renewed focus on estate planning as the cornerstone of her professional work.

She has served the profession as a past Board member of the Fiduciary Institute of Southern Africa (FISA) and the Society of Tax and Estate Practitioners (STEP), and has contributed to SARS and Treasury projects. Cheryl frequently presents and publishes on estate and financial planning.

She has also appeared on TV and radio, sharing practical insights with a wider audience. Alongside her estate planning practice, Cheryl founded Four and Twenty (Pty) Ltd – an Accounting and Tax Compliance Practice, ensuring her clients have access to fully compliant tax and accounting support. She also continues to contribute to fiduciary training, venture capital and private equity initiatives, and philanthropic projects.

Through her work, Cheryl remains committed to helping families protect and preserve their legacies, while providing trusted guidance in all aspects of estate planning.

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Professor Deborah Tickle

FROM THE DAVIS TAX COMMITEE
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Keitumetse Sesana

TAX TECHNICAL SPECIALIST AT SAIT

Keitumetse Sesana is a registered SARS practitioner who also holds the designation of Master Tax Practitioner from the South African Institute of Taxation. With a solid background in international corporate tax matters from her previous roles at KPMG South Africa, she contributes important insights to the development of tax policy across various areas.  

As a Tax Technical Specialist, Keitumetse currently specialises in tax legislative policy engagement across the various areas of taxation and also manages stakeholder relations and facilitates engagement with key government departments. She leads and is responsible for the strategic oversight and positioning of the SAIT Tax Technical workgroups, as well as other strategic engagements related to legislation. Her collaborative efforts and strategic engagement with the various industry tax specialists that are members of the SAIT Tax Technical workgroups is vital for drafting and submitting proposals to entities such as the Parliament of South Africa, National Treasury, SARS, the Department of Trade, Industry and Competition and the Office of the Tax Ombud with the aim of influencing and shaping the tax legislative framework. 

In addition to her legislative work, Keitumetse curates and manages content for tax practitioners as part of their Continuous Professional Development requirements. This includes hosting webinars and drafting content for various SAIT publications, helping professionals stay informed in the evolving tax landscape. 

Keitumetse holds a Master of Laws (LLM) specialising in Tax Law, a Bachelor of Laws (LLB), and a Bachelor of Commerce (BCom) Law degree. Keitumetse is passionate about contributing to and transforming the tax legislative landscape. 

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Delano Abdoll

Admitted Attorney, BA (Law), LLB, LLM at Tax Consulting SA

Delano is a highly skilled attorney admitted to the High Court of South Africa, with extensive knowledge and expertise in tax law. He holds a Bachelor of Arts in Law, a Bachelor of Laws, and a Master of Laws degree in Procedural Law, all obtained from the University of Pretoria. Delano has a strong focus on expatriate tax and individual cross-border taxation, making him an expert in dealing with complex tax issues faced by individuals who work or reside across international borders. With his comprehensive understanding of tax laws and regulations, he is able to provide exceptional advice and support to clients in need of expert tax planning and management.

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Tertius du Plessis

Professional Accountant and Crypto Taxpert

Tertius is a seasoned expert in the fields of finance and taxation, with a specialised focus on the realm of cryptocurrencies. His portfolio includes accounting services for a diverse range of clients, including individuals, private companies (Pty) Ltd’s, trusts, and deceased estates. He boasts a Bachelor of Accounting (BAcc) degree and has spent eight enriching years in the blockchain/cryptocurrency sector. In his role as a CryptoTaxpert, Tertius skillfully navigates clients through the intricacies of transitioning between fiat currency and cryptocurrency. His extensive knowledge of cryptocurrency, blockchain technology, trading, and HODLing, positions him as a reliable interpreter and manager of crypto data. Tertius’ profound understanding of South African cryptocurrency tax regulations equips him to deliver SARS-compliant, optimised crypto tax reports. He is dedicated to helping clients manage their crypto assets and ensuring a seamless flow of funds. He lives by the philosophy, “My compensation is not for the hours I put in, but for the value I deliver in those hours.” He believes that “What you pay is the price, what you gain is the value.” As a #CryptoTaxpert, his mission is to deliver unparalleled value to his clients.

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Piet Nel

CA (SA) Specialising in taxation

Piet Nel is a CA (SA) who specializes in taxation. He was previously the Project Director of professional development (tax) at SAICA, and the project director for tax at SAICA.  Before joining SAICA again, he was involved in tax consulting and tax dispute resolution. 

He is an accounting member of the Tax Court, second term. He is a visiting adjunct professor at Wits and was previously a lecturer in tax at the University of Pretoria to students doing a Master’s degree and at UNISA at postgraduate level.

He was a member of SAICA’s national tax committee and is still quite active in the development of tax legislation in South Africa by commenting on proposed legislation. Over a period of more than three decades, he presented numerous tax seminars and workshops to tax practitioners.

He regularly speaks on radio and TV and publishes tax related articles.He is involved, as a member of the SAICA’s Examination Committee, in setting the examination to test initial competence for prospective CA (SAs).

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Sophia Steyn

Admitted Attorney and legal advisor

Sophia Steyn is an experienced attorney with a strong background in will drafting, trust administration, and estate administration. With ten years of legal practice experience, including owning and managing her own practice, Sophia brings valuable management skills and a client-focused approach to her work. Currently employed at Rauch Gertenbach Inc., she specialises in drafting wills, establishing trusts, administering estates. Sophia’s expertise, professionalism, and commitment to exceptional client service make her a trusted legal practitioner in her field.

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Jerry Botha

Managing Partner
at Tax Consulting SA

Jerry Botha commenced his tax career in United Kingdom / United States Tax and served articles at McCorkindale & Holton’s London office. After being with the Big-4 accounting firms, in 2005 he started his own niche tax practice.

Tax Consulting South Africa has grown over the years to the largest independent tax practice in South Africa, which specialises in the most complex areas of tax planning and compliance. The firm is SARS recognised as a top 6 tax practice and a leading advisor to large multinational corporates, globally mobile individuals, high net worth professionals and families; but also fellow professionals on complex areas of South African and international tax.

Tax Consulting South Africa authored LexisNexis’ “Expatriate Tax” textbook, as critically acclaimed by the esteemed Judge Dennis Davis. The textbook is now in its 2nd edition.

Jerry enjoys a collaborative approach with fellow professionals, continuous professional development, commenting on legal development and growing the next generation of professionals.

 

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Catherine Fourie

HEAD OF CPD CONSORTIUM

Catherine is a Chartered Accountant (CA(SA)) and tax practitioner who completed her articles at Deloitte in 2003. After three secondments to the United States of America and Canada, she rejoined Deloitte as audit manager for four years, whereafter she has been a lecturer on the BCom Accounting programme with the Nelson Mandela University for 15 years until early 2024. Her main subjects were Taxation, Auditing and Ethics and Corporate Governance, as well as lecturing on the MCom (Taxation) program. She has a deep passion for teaching to which she has dedicated most of her professional career, especially fundamental principles. She implemented innovative learning and teaching practices, both online and hybrid/flexible; always ensuring impactful learning. As a member of the SAICA Digital Acumen Working Group she has always been passionate about innovation and resilience, which are both essential for the sustainability and growth of the modern professional. With the many students which have been through her lectures, she is excited to now bring digital innovation to the upskilling of professionals who work in the ever-changing landscape of tax and accounting. Her approach and style is one of ensuring a sound technical base, from where she quickly makes tax and accounting highly practical and relevant; delivering immediate value for anyone attending her training sessions.

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Sidney Fletcher

Senior Manager of Trust and Deceased Estate Compliance at Tax Consulting SA

Sidney is a versatile and results-driven qualified Senior Tax Practitioner. He has more than 20 years of experience working for SARS and was responsible for Taxpayer Education for a big part of that period. He is a dedicated professional with extensive knowledge and his affinity for Individual Taxes makes him an excellent tax planner and skilled at tax optimisation. Committed to the best care for clients through transparent communication. Skilled in negotiation with a strong ability to problem solve to assist clients with tax problems.

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Roxshanna du Toit

Independent Trust and Fiduciary Services Expert & CPD Project Coordinator

Roxshanna is a seasoned tax professional and was until February 2024 the Head of Tax, Standard Trust Limited. As one of the market’s largest leading fiduciary services providers, she worked daily on complex matters pertaining to tax and accounting for trusts, deceased estates and the commercial and family interests which necessarily comes therewith. She has a BCom (Taxation Honours) and also served as a lead representative for the Banking Association of South Africa (BASA) in providing input to SARS directly as impacts the fiduciary arena. Her interest sphere is streamlined solutions to overcome the administrative and operational challenges of trustees, accountants, tax practitioners and executors. She considers herself as a practical generalist who excels in getting the job done, and she has been involved in untangling, resolving and ensuring compliance of some of the largest and most complex South African and international trusts, estates and family structures. Her decision to start her own practice allows her to expand her professional horizon as well as spend more quality time with her son.