Garath Lesch, Financial Advisor

27/02/2026

Here are some of the key takeouts from the National Budget Speech.

02/12/2025

The only thing more awkward than small talk? Realising you’ve just burnt the chops!

Unfortunately, we can’t help you with that but we can help you with getting your affairs in order.

Get your will sorted with South Africa’s leading wills and estates specialists before you leave for your summer holidays.
https://capitallegacy.co.za/solutions/last-will

05/08/2025

The Sandwich Generation: A cohort of South Africans caught between caring for elderly parents who face the challenge of waning income and inadequate provision for retirement vs inflating costs of living and raising your own family, often including children.

It's a difficult situation, to say the least. This insightful article put some of the difficulties faced by [us] into context, and provides what I think is a relevant and educational perspective on facing this problem head on so that it doesn't become a cycle.

Give it a read!
As always, if you don't have a Will and care to leave a legacy, let's have a chat. I'm available via Email, WhatsApp, or good old fashioned phone call.

Elke Brink of PSG Wealth R21 notes that many middle-aged South Africans today end up financially strapped, needing to care not only for dependent parents but also for ensuing generations.

31/07/2025

A cold front, accompanied by potentially damaging winds, is about to sweep across the KwaZulu-Natal coast.

18/07/2025

"What counts in life is not the mere fact that we have lived. It is what difference we have made to the lives of others that will determine the significance of the life we lead." - Nelson Mandela

02/07/2025

SA Home Loans, in partnership with LPI, now reduces your Bond Fees, Conveyancing Fees, and Property Transfer Fees to ZERO!

To do this, just chat to myself or another LPI Advisor to be referred to SA Home Loans to take advantage of this offer.

Just mention "HomeVantage" and I'll help you take care of the rest :)
> Garath Lesch, Independent Financial Planner
> 072 571 0023
> [email protected]

20/06/2025

16/06/2025

Monday 16th June 2025 is National Youth Day in South Africa. South Africa is home to a significant youth population, with roughly 19.7 million children under the age of 18, about 32% of the...

03/06/2025

The most interesting figures from this article:

1) ~1.5% of South Africans have drawn up their Will with Capital Legacy's expert consultants (just over a million of the 63 million South Africans in SA).

2) Of 800 people in the middle to upper-income bracket surveyed independently at Capital Legacy's request:
> 96% had a short-terms savings account.
> 49% were in the 25-34 age group (392 people)
> 41% had a Last Will and Testament (328 people)

3) According to Capital Legacy, the majority of people who die in our country die without a Will.

No Will? No choice in beneficiaries. No choice in executor. No choice in guardians for your children (think Goverment Guardians Fund). No way to mitigate family feuds.

Reminder: The whole point of Capital Legacy is to make Wills and Estate Planning accessible to everyone. Thus, a consultation around your Will and Estate is completely free! It's not always that you don't have a Will - maybe you just want a review, or know someone who needs to have their's drafted. Put them in touch with myself or Capital Legacy, and ~have that conversation~.

Just a few years ago, most people still thought that a last will and testament was only for the wealthy or elite. New research shows that ongoing consumer education is paying off as more and more...

21/05/2025