Estate Planning Education · South Africa
Understanding
your estate
starts here.
Heirloom makes estate planning concepts accessible to every South African — through plain language, a free diagnostic tool, and educational content that demystifies a complex subject.
Not financial advice. Heirloom is an educational platform. Our diagnostic tool illustrates concepts — it does not replace a licensed financial planner.
The person behind Heirloom
Mtho Ncube
CFP® · CHBP · MCom Investment Management
CFP®
CHBP
MCom Dist.
RF Trustee
Important to understand
What Heirloom is
and what it is not
Heirloom is…
A free educational resource about estate planning in South Africa
A diagnostic tool that illustrates how estate duty, CGT, and liquidity work using general legislative rules
A plain-language guide to concepts like Wills, trusts, marriage regimes, and retirement funds
A bridge to connect you with the right licensed professionals
A content platform that makes a complex subject approachable for everyone
Heirloom is not…
A licensed financial services provider (FSP) under FAIS
Providing personalised financial, tax, or legal advice
A substitute for a licensed financial planner, attorney, or tax practitioner
Generating outputs you should act on without professional verification
Responsible for decisions made based on illustrative tool outputs
About
The person
behind Heirloom
Mtho NcubeCFP® · MCom
“Estate planning is not a conversation about death. It is a conversation about love — protecting the people and things that matter most to you.”
Mtho Ncube is a Certified Financial Planner (CFP®) and Chartered Banking Professional (CHBP) with over a decade of experience across financial planning, investment consulting, employee benefits, and estate planning. He holds a Master of Commerce in Investment Management, completed with distinction, and serves as a Retirement Fund Trustee across multiple umbrella funds.
Mtho created Heirloom out of a conviction that estate planning education in South Africa is too inaccessible, too jargon-heavy, and too often reserved for the wealthy. The platform exists to change that — offering clear, rigorous educational content to every South African, regardless of the size of their estate.
Please note: Heirloom is an independent educational platform. For personalised financial advice, Mtho operates in his professional capacity as a licensed financial services representative. Please reach out via the contact form to be connected appropriately.
Qualifications
Certified Financial Planner (CFP®) — FPI
MCom Investment Management — with distinction · UJ 2024
Chartered Banking Professional (CHBP) — IBSA
Postgraduate Diploma in Financial Planning · UFS
BCom Economics · RE5 · Retirement Fund Trustee
Work with Heirloom
Services that educate,
engage, and empower
All Heirloom services are educational in nature. They inform, clarify, and empower — and where personal financial advice is needed, we connect you with the right licensed professional.
Available now
Corporate Financial Wellness Workshops
A structured 2-hour workplace session on estate planning, Wills, retirement fund nominations, and financial wellness — delivered to your employees. No product sales. No financial advice. Just clarity on the questions that keep people up at night.
Format In-person or virtual · 2–6 hours
Audience All staff · EB-focused · Executive tier
Investment R8,000–R35,000 per session
Outcomes Updated nominations · Will awareness · Financial clarity
Available now
Estate Planning Masterclasses
Half-day paid events — in person in Johannesburg or virtual nationwide — covering estate planning fundamentals for individuals and families. CPD-eligible sessions also available for financial advisers, attorneys, and accountants.
Format In-person · Virtual · Half-day
Audience Consumers · Professionals (CPD)
Investment R500–R2,500 per delegate
CPD Submitted to FPI · SAICA · LSSA
Available now
Retirement Fund Member Education
A structured member education programme for retirement funds — covering s37C death benefits, nomination forms, estate planning basics, and how the fund interfaces with your estate. Designed for Principal Officers and Trustees who want to improve member outcomes.
Format On-site at employer · Fund AGMs
Audience Fund members · Trustees
Investment R15,000–R40,000 per programme
Credential Delivered by a Retirement Fund Trustee & CFP®
Coming soon — register your interest
Coming · Month 3
Digital Will Platform
A guided online Will questionnaire reviewed and certified by a qualified attorney. Valid, affordable, and done in under an hour.
Coming · Month 4
Heirloom Circle Community
A paid membership community for ongoing estate planning education, quarterly Q&A sessions, and peer discussion with professionals and HNW individuals.
Coming · Month 4
Trust Audit & Compliance
A structured review of your inter vivos trust — trustee governance, minute books, loan account documentation, and s7C compliance — with a written report.
Free tool
The estate
diagnostic tool
Enter illustrative figures and see how estate duty, CGT on death, executor costs, and liquidity interact. The tool uses real South African legislative parameters to show you how the numbers work — not what to do about them.
Rigorous SA legislative calculations — Estate Duty Act, ITA s9HA, Administration of Estates Act
All marriage regimes — COP, accrual, ANC, Muslim, customary, life partner
Liquidity position — can an estate meet its obligations without selling assets?
Live scenario comparison — see how different structures change the illustrative outcome
Common planning gaps — educational notes on what to explore with your adviser
Educational illustration only. Outputs are based on general legislative parameters and figures you enter. They are not personalised financial analysis. Consult a licensed financial planner before making any decisions.
Heirloom Diagnostic Tool
Educational Illustration
Gross estate
R 8 500 000
Illustrative figures
Estate duty
R 1 000 000
After s4A abatement
CGT on death
R 202 500
s9HA deemed disposal
Liquidity gap
R 850 000
Illustrative shortfall
Not financial advice
These figures are illustrative only. Speak to a licensed financial planner before taking any action.
Learn
Estate planning
explained simply
Plain-language guides to the concepts that matter most. No jargon, no product sales — just clarity.
Wills & Intestate Succession
What a valid Will requires, what happens without one, and why dying intestate almost never does what a family expects.
Estate Duty in South Africa
How estate duty is calculated, what the abatement means, what the s4(q) spousal bequest does, and why it matters for your family.
CGT on Death (s9HA)
Why the tax authority treats death as a disposal of assets, and what the primary residence and annual exclusions actually do.
Marriage Regimes & Your Estate
How COP, accrual, and ANC marriages affect what happens to your estate — including the often-misunderstood life partner position.
Trusts — When They Make Sense
The difference between inter vivos and testamentary trusts, what s7C means for your loan account, and when a trust actually helps.
Retirement Funds & Your Estate
Why your RA, pension, and provident funds fall outside your estate, what s37C means, and why nominations matter more than your Will.
Offshore Assets & Cross-Border Planning
How South African estate duty applies to foreign assets, what double-taxation agreements do, and when you need an offshore Will.
Business Succession
What buy-and-sell agreements do, why business owners are most at risk of estate liquidity problems, and how to think about succession.
Estate Liquidity & Life Cover
The most common estate planning failure explained — what happens when an estate cannot pay its obligations without selling assets.
Most South Africans are not avoiding estate planning because they do not care. They are avoiding it because no one has ever explained it to them in a way that makes sense. That is what Heirloom exists to fix.
Mtho Ncube, CFP® · Founder, Heirloom
Educational Platform·
Not a Licensed FSP·
FAIS Compliant Positioning
Get in touch
Have a question
or want to connect?
Use this form to ask a general estate planning question, request educational content on a specific topic, or to be connected with a licensed financial planning professional for personalised advice.
Important — not a financial advice channel
Heirloom cannot and does not provide personalised financial, legal, or tax advice via this form. For personalised advice, you will be referred to the appropriate licensed professional. Heirloom is not a licensed FSP under the Financial Advisory and Intermediary Services Act 37 of 2002.
Email
LinkedIn
Location
Johannesburg · Available nationally & pan-African