Sean Cunningham: Financial Planner

17/07/2025

🌍 Thinking Global? Your Portfolio Should Too.
In today’s interconnected world, offshore investing is no longer a luxury, it’s a smart and necessary strategy.
Why invest offshore?
✅ Access opportunities in top global markets
✅ Reduce risk by diversifying across economies
✅ Hedge against rand depreciation
✅ Optimise your estate planning with cross-border benefits
✅ Improve tax efficiency with structured global solutions
At GrowthHouse, I help South Africans navigate offshore investments with confidence—tailoring options like:
🔹 Global Endowments – enjoy tax efficiency, estate duty relief & currency conversion benefits
🔹 Recurring Global Endowments – invest monthly in USD and build global wealth with flexibility
🔹 Global Flexible Investments – lump-sum solutions with easy access to your capital
Whether you’re thinking of Investing a Lump sum, or a recurring amount; going offshore can start from $200p/m(converted from Rands to Dollars monthly for your convenience) or R50 000 Lump sum Minimum.

📩 Let’s explore which global option is right for you.
________________________________________
Sean Cunningham
📧 [email protected]
📞 +27 83 442 9733
🏠 GrowthHouse (PTY) Ltd | FSP No. 34792

Call now to connect with business.

09/07/2025

SA's Retirement System Just Changed. What Does It Mean for You?

From 1 September 2024, South Africa introduced the Two-Pot Retirement System and if you're thinking of resigning, changing jobs, or simply want to reassess your retirement investments, this affects you directly.

🔍 What is the Two-Pot System?
Under the new rules, your retirement savings are split into:
🔹 Savings Pot – Access 1/3 of your contributions once per tax year in times of financial need
🔹 Retirement Pot – 2/3 is preserved for retirement and can’t be withdrawn early
🔹 Vested Pot – Your savings until 31 Aug 2024 stay untouched (under old rules)

📣 Why It Matters
Leaving your job or restructuring your investments under this new framework could:

🔄 Give you access to cash without compromising your long-term savings

💸 Help you avoid heavy tax penalties from full withdrawals

🧾 Open up new planning opportunities around investment consolidation, preservation funds, and tax efficiency

👥 Who Should Pay Attention?
✅ Anyone resigning or being retrenched
✅ Those with multiple old retirement funds
✅ Individuals wanting to future-proof their retirement
✅ Anyone unsure how the Two-Pot System affects their investments

💡 Don't let regulation changes leave your money at risk.
Whether you're exiting a company or need a full investment review, let's talk about how to realign your retirement strategy the smart way.

📩 Book a free consultation to review your options.
You could save thousands and make better decisions for your future.

—

Sean Cunningham
📧 [email protected]
📞 +27 83 442 9733
🏠 GrowthHouse | Financial Planning Services
FSP No. 34792 | Independent Advice, Real Results

Call now to connect with business.

01/07/2025

💡 What is a One-Day Retirement Annuity (RA)?
Most people think of retirement annuities as a long-term vehicle but, did you know that a "One-Day RA" could be one of the most powerful short-term tax and estate planning tools available?
Here's how it works:
🔸 A lump sum is invested into a retirement annuity
🔸 The client retires immediately thereafter
🔸 The value is transferred to a living annuity
🔸 A monthly income stream begins
🔸 There is a significant benefit to your Estate duty
🔸Benefit from Section 10C of the Income Tax Act
🎯 Why consider it?
If you:
✅ Are 55 or older?
✅ Have access to a large lump sum?
✅ Want monthly income?
✅ Want to reduce estate duty?
✅ Want to optimise your tax efficiency in the current tax year and years to come?

Then this strategy is worth a serious look.

How it works:

📊 Real-World Tax Efficiency
By contributing to a One-Day RA:
🔸You unlock a potential tax deduction up to R350 000 annually,
🔸Disallowed contributions can reduce future taxable income,
🔸Living annuity income can become tax-exempt through Section 10C of
the Income Tax Act,
🔸You can pass on benefits to beneficiaries saving on estate duty and
executor's fees.
NB! It must be done strategically and with care: Beneficiary nominations, timing, and tax compliance all matter.

📩 Want to explore if this works for your situation?
Let’s discuss how a One-Day RA could create both immediate and long-term financial benefits for you and your family.

Sean Cunningham
Want to know more about me?https://growthhouse.profileme.app/gh23
📧 [email protected]
📞 +27 83 442 9733
🏠 GrowthHouse | Financial Planning Services
GrowthHouse (PTY) Ltd is an Authorised Financial Services Provider. FSP No.34792

27/06/2025

Are You Fully Covered? The 5 Must-Haves in Your Short-Term Insurance Policy:

Short-term insurance is there to protect you from unexpected financial losses—but only if your policy covers the right things!

🚨 Too often, people only find out what’s missing when it’s too late. Here are five key aspects you must check in your policy today:
1️⃣ Correct Valuations – Is your car, home, and valuable assets insured for their current replacement value? Underinsurance can leave you paying out of pocket when you claim.
2️⃣ Specified vs. Unspecified Cover – Items like jewelry, laptops, and bicycles often need to be specifically listed to be covered outside your home. Are your valuables correctly insured?
3️⃣ Excess Amounts – A lower premium may mean a higher excess when you claim. Do you know what you’ll need to pay upfront in case of an accident or theft?
4️⃣ Accidental Damage & Power Surge Protection – Load shedding is a reality in SA. Does your policy cover electrical surge damage to appliances and electronics?
5️⃣ Car Hire & Emergency Assistance – If your car is stolen or written off, do you have access to a rental vehicle? Roadside and home assistance can also be lifesavers when things go wrong.

🔎 When last did you review your policy? If you’re unsure about your cover, let’s chat. A 15-minute check could save you thousands in the long run!

07/05/2025

A very late post to a course that taught me a lot and helped solidfy and improve my quality of advice.

14/10/2024

Its that time of year again with Tranches coming out and Limited time offerings. See the 2024 Liberty Structured Global Performer V5
and Liberty Structured Global Performer ESG V5 Offering. This opportunity closes by the 1st of December 2024

There is a Minimum R250 000 Lump Sum investment, if you would like to find an investment that suits you best, I am here to help!

Growthhouse(pty) ltd is an authorised Financial services provider, FSP no: 34792

03/10/2024

Always happy to help!

22/08/2024

Fun day out at Copperleaf playing in the golf cup.

12/07/2024

First time playing at the belgotex hockey tournament and I am addicted!!

25/04/2024

Never too late to post a saint paddy's day photo

07/12/2023

If you want a long and happy engagement don't play straight after getting engaged

I'm so terrible at social media I should've posted this a long time ago 🐌