How to go from confusion to clarity—step by step.
For South African government employees on the edge of retirement or resignation, the pressure can feel unbearable. You’re about to make one of the most important decisions of your life—and it feels like there’s too much to figure out:
- Tax
- Medical aid
- Investments
- Pre-1998 service
- Legacy planning
- GEPF forms
- And more…
You’re not alone. In fact, earlier this week, a government employee told me:
“Dhevan, I love your videos—they’re helpful. But there are so many. I don’t know where to start.”
If that’s you… this article will help you cut through the noise and regain control.
🎯 Step 1: Know Why These Videos Exist
Before we jump into tactics, let’s revisit why these resources even exist.
I didn’t start making videos for the sake of likes or views. I created them for three clear reasons:
1. To shift your beliefs
Most public servants were never told that you could legally pay less tax, protect your investments, or choose your income after resigning or retiring.
These videos show you what’s actually possible—from real people who’ve done it.
2. To help you avoid mistakes
I’ve seen what happens when you get the wrong advice—or no advice at all.
I watched my own father lose out because no one guided him properly.
I made mistakes. I’ve lost money.
And I share everything I’ve learned so you don’t repeat them.
3. To help you get clear on what YOU want
Once you’ve seen what’s possible—from tax savings to better medical aid—you begin to ask smarter questions. You stop guessing, and you start choosing.
🛑 Step 2: Stop the Overwhelm with This ONE Move
The key to escaping the overwhelm?
Start with your exit date.
That’s right. Don’t begin with tax or investments.
Start by getting very clear on when you want to leave.
Once you know your exit date, you can reverse-engineer your entire financial plan:
✅ What you should be doing 12 months out
✅ What to ask in your consultation
✅ When to finalise paperwork
✅ What benefits to fight for
✅ How to protect your family legacy
Think of it like a countdown map. And you don’t need to walk it alone.
🔍 Step 3: Get Crystal Clear on Your Goals
Once your exit date is set, you can ask:
- Do I want to pay zero tax (or as little as possible)?
- Do I want to protect my capital and grow it safely?
- Do I want a solid plan for my children or spouse?
- Do I want help reviewing my old policies?
- Do I want to keep my medical aid at an affordable rate?
Write it all down.
These are the exact things you should bring up when booking a VIP consultation.
🎓 Step 4: Watch the FREE Retire vs Resign Masterclass
If you’re not ready to book a 1-on-1 session just yet, the Masterclass is your next best step. It’s packed with stories, not just theory—and it covers:
- The difference between the gratuity and one-third lump sum
- How to protect your capital while drawing income
- Tax-saving strategies most advisors miss
- Real client examples you can learn from
- All 7 areas of retirement or resignation planning
It’s like a crash course—designed just for public servants like you.
🧭 Step 5: Let the Journey Unfold… One Step at a Time
When you’re overwhelmed, the problem isn’t that you don’t know what to do.
It’s that you don’t know what to do NEXT.
That’s why we:
- Break the journey into bite-sized phases
- Map your plan against your exit date
- Offer continuous support (VIP consults, updates, second sessions)
- And give you clarity—without stress
💬 Final Thoughts: Start With One Simple Step
Don’t try to figure everything out at once.
Start here:
✅ Set your exit date
✅ Get clear on your top 2–3 goals
✅ Watch the Masterclass
✅ Book a VIP consultation (if you qualify)
You’ve worked too hard to guess now.
Make sure your exit is the start of financial freedom—not the end of peace of mind.
✅ Need help?
📧 Email: retirewell@retiresa.co.za
📺 Watch the Masterclass: https://www.retirevsresign.co.za/
🔒 Book a VIP Consultation: https://www.retirevsresign.co.za/consult/
Disclaimer: The guidance on ‘Retire or Resign’ decisions provided here is independent and not issued by or on behalf of the Government Employees Pension Fund (GEPF). We do not act on behalf of the GEPF.
Retirement Wellness SA is a Trusted and Authorised Financial Services Provider – FSP 31609. This post provides information, not advice.
