Johan Marx - Financial Advisor

14/05/2025

14/05/2025

Are you part of the 6% of South Africans on track for a comfortable retirement? Sadly, 94% face potential financial difficulties due to factors like delayed saving, inflation, and insufficient contributions. Don't leave your future to chance. Estate planning is a powerful tool to build security. Ready to explore your options? Connect me today!

14/05/2025

🚀 South Africa’s Future is Entrepreneurial! 🇿🇦✨

What does real economic transformation look like?
Find out in this powerful conversation between 702’s Aubrey Masango and ASI Group CEO, Anthony Govender as they dive into the ETA Search Fund — a bold initiative empowering the next generation of South African business owners.

🔍 Here’s what you’ll learn:
✅ What the ETA Search Fund is & how it works
✅ Who qualifies and how YOU can apply
✅ Why ownership matters for SA’s future

This isn’t just talk — it’s a game plan for growth. 🌱
🎧 Watch the full conversation now: https://youtu.be/LDoX7MWqlHQ
Let’s build a better business future, together.

10/01/2023

Let me help you get the best possible product to help secure your child's future in case of the worst possible situation.

Ask any parent, having kids is expensive. Because we love our kids, we make sacrifices so that they have the best opportunities in life. But what if something unexpected happens to you? Who will take care of the school fees if you pass away, become severely ill or impaired?

EduCare™ is dedicated cover to ensure your child’s continued education and care.

✔️ School fees
✔️ School clothes
✔️ Stationery
✔️ Sporting equipment
✔️ Food
✔️ Transport
✔️ Tertiary education

Learn more here: https://bit.ly/CapitalLegacyEduCare

22/08/2022

No, it really is not.

A joint Will is like an irrevocable contract, so once the first spouse passes away, the second spouse cannot change the joint Will even if circumstances change.

The inability to change a joint Will after the first spouse dies could have assets and property tied up for years, so the surviving spouse cannot downsize the marital home, or sell it to pay for assisted living or expenses.

The joint Will also does not allow the surviving spouse to change beneficiaries or executors, add new beneficiaries who were born after the Will was finalized, or allow beneficiaries to get their inheritance sooner.

A popular and effective alternative to joint Wills for many married couples or life partners is mirror Wills. These are almost identical Wills where both partners leave their Estate to the other. You also name the same people and organizations as your secondary beneficiaries. If both die simultaneously, the Estate go to the surviving children.

Freedom of Testation is not affected by the fact that a mirror Will has been drafted and one party can revoke their Will and draft another Will whenever they want. In fact, they need not even tell the other spouse or partner they have done so. If one of the parties therefore has a sudden change of heart, or if the relationship breaks down, he or she can update his or her own Will individually.

I have drawn up many wills over the years, so why not allow me to assist you and your spouse to draft your will, at no cost to you? Give me a call and let us set up that appointment!

19/08/2022

Many people make the mistake of thinking a funeral policy is sufficient to cover the costs of passing away. The bad news is that it is not nearly enough.

The typical costs with respect to dying are Executor's Fees; Conveyancing Attorney Fees; Testamentary Trust Fees; Master's Fees and Inheritance Tax just to name a few.

The good news is that with a Legacy Protection Plan™ from Capital Legacy, all your legal costs associated to death can be covered. So don't delay any further, contact me today so we can develop your very own personal Legacy Protection Plan!

18/08/2022

The statistic of South Africans without a Last Will and Testament is shockingly high at more than 70%. Most people know that they need a Will, but statistics show that one of South Africans’ major weaknesses is procrastination.

The Law Society has explained previously that it is important to have your Will professionally drafted as “often a Will is not valid because the person who drafts it does not have the necessary legal knowledge to ensure that the requirements of the law are met. By drafting a Will, you ensure that your assets are disposed of in accordance with your wishes after your death”.

A valid Will enables you to protect the interest of your loved ones and helps ensure that there is no unnecessary delay in settling your Estate after your death.

September is National Wills month, so don’t procrastinate, act now, spread the word and let me help secure your legacy today.

18/08/2022

Welcome to my new page! I strive to be your Financial Advisor of choice, providing you with bespoke financial solutions that are tailor-made to your specific needs. I can offer you estate planning services including the drafting of a free will, risk mitigation solutions as well as investment strategies to help navigate through volatile financial circumstances. Give me a call today for a free no-obligation consultation session to find out exactly how I can help you.