We help government employees secure financial freedom and peace of mind.

Specialized Advice & Resources for Government Employees Considering Retiring or Resigning In The Next 12 Months

The decision to retire or resign doesn’t have to be a difficult one. The resources and tools available on this website can guide you through the maze of questions and help you safely navigate your way to a prosperous life once your working days are done.

yours free!

Special 7-Page Guide Containing Crucial Tax-Saving Information For Government Employees Who Started Work BEFORE 1998…

WARNING: How to Avoid the 3 Costly Tax Mistakes Pre-1998 Public Servants Make That Could Cost You A Fortune When You Retire Or Resign!

South Africa’s #1 Rated Financial Advisor and Wealth & Investment Specialist on Hellopeter

Meet Dhevan Naicker, Your Retire Vs Resign Specialist and Leading Financial Advisor and Wealth Investment Specialist

Hi, I’m Dhevan Naicker. My journey to becoming an expert in financial planning began on a personal note—when my Dad, a dedicated government employee, lost over R509,000 due to a lack of information, I vowed to make sure no one else would face the same plight.

I graduated with a Post-Graduate Diploma in Financial Planning, earning cum laude honours. I’m also a Certified Financial Planner™. I authored South Africa’s first book exclusively for government employees: ‘Should You Retire Or Resign From The GEPF?’. Plus, I created South Africa’s leading YouTube channel for government employees. With 200+ free videos, I’ve got your financial journey covered.

Latest Videos for Government Employees

"If you’re considering retirement or resignation and want to ensure your hard-earned money benefits your family, this video is a must-watch.

In this heartfelt testimonial, Samuel, a dedicated educator with 36 years of service, shares his journey from uncertainty to financial clarity and peace of mind. Like many government employees, Samuel faced a critical decision: should he retire or resign?

In 2020, as Samuel started thinking seriously about exiting his career, everyone around him was encouraging him to retire. However, deep down, Samuel was concerned about his family—especially his young children—and what would happen to them if he passed away early. He was torn between wanting to protect his family and the fear of the huge tax penalties he’d heard about if he chose to resign.

That’s when Samuel came across Dhevan Naicker and the Retire vs Resign Masterclass at Retirement Wellness SA.

Initially, Samuel expected Dhevan to be like other financial advisors—focused on money, investments, and products. But what surprised him most was Dhevan’s approach. There was no rush to talk about investments or where to put money. Instead, the focus was on helping Samuel make the right decision for his future, whether it was retiring or resigning.

Through the Masterclass, Samuel learned about key benefits he had never heard of before—such as the pre-98 tax-free benefit and the approved fund option. These insights were game-changing for him. He had been terrified of the R1 million tax he would face if he resigned. But with Dhevan’s guidance, Samuel was able to pay zero tax when he resigned.

Now, Samuel has peace of mind knowing that the money he worked so hard for over the years will go to support his family when the time comes. In his own words, “I have peace of mind. I can sleep at night. I am relaxed.”

👉 Watch Samuel’s full story to learn how proper guidance and the right decisions can help you protect your family’s future and achieve financial freedom.

Disclaimer: This information is related to the decisions around “Retire or Resign” but is not provided by or on behalf of the Government Employees Pension Fund (GEPF). We do not act on behalf of the GEPF.

Retirement Wellness SA is an Authorised Financial Services Provider - FSP 31609. This video provides information, not advice."

How This Government Employee Found Peace of Mind After 36 Years

Are you on track with your Retirement Annuity (RA) or unknowingly heading towards financial disappointment? So many well-intentioned individuals end up with far less than expected in their retirement because of common mistakes in their RA policies.

Hi, I'm Dhevan, a Certified Financial Planner™ with Retirement Wellness SA. In this critical video, I'll uncover 3 Common RA Mistakes that can cripple your financial future. More importantly, I'll guide you through simple steps to correct these mistakes and avoid falling into these traps.

➤ Discover the hidden pitfalls that might be lurking in your RA policy.
➤ Learn why proper design and planning of your RA can make or break your retirement dreams.
➤ Find out actionable strategies to ensure your RA works for you, not against you.

Retirement planning doesn't have to be a mystery, and your future shouldn't be left to chance. Let's work together to ensure that your Retirement Annuity is doing exactly what it should be doing - securing a prosperous and stress-free retirement.

3 Retirement Annuity Mistakes You're Making: Fix Them Now!

"In this inspiring testimonial, Molati, a dedicated public servant with 36 years of service in SAPS, shares her journey of deciding whether to retire or resign. Early in 2024, Molati felt it was time to make a change, but like many government employees, she was unsure which path to take—retirement or resignation.

That’s when she discovered my videos on YouTube. Molati began watching and learning, exploring all the options available to her. Her curiosity led her to join my Retire vs Resign Masterclass, where she finally made the decision to resign. Why? Because as Molati puts it, “In most cases, when you retire, everything remains with the pension fund, and if you resign, at least there is money that is left over for your kids.”

Molati didn’t just stop at the decision to resign; she wanted to ensure her financial future was secure and her legacy preserved for her children. She turned to me for in-depth tax planning, where I provided detailed calculations and even helped her navigate the complexities of pre-98 tax rules. The result? “I ended up paying ZERO tax,” Molati proudly shares.

Now, Molati is more than happy. With an excellent team supporting her, she feels relaxed and confident about her financial future. Her decision not only secured her family’s future but also improved her overall well-being—her health has even improved!

Molati’s journey is a powerful reminder that with the right guidance, you can make informed decisions that benefit both you and your loved ones.

Watch Molati’s full story to see how a well-planned resignation can offer peace of mind, financial security, and a lasting legacy for your children.

👉 Ready to take control of your financial future? Book your private consultation today. https://www.retirevsresign.co.za/consult

Disclaimer: This information is related to the decisions around “GEPF Retire or Resign” but is not provided by or on behalf of the Government Employees Pension Fund (GEPF). We do not act on behalf of the GEPF.

Retirement Wellness SA is an Authorised Financial Services Provider - FSP 31609. This video provides information, not advice."

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36 Years with SAPS: How Molati Resigned and Paid No Tax

Special FREE MasterClass For Government Employees Considering Retiring Or Resigning In The Next 12 Months

If you started government employment before 1998… and you’re planning to leave in the next 12 months… STOP!

There’s a lot you don’t know about your options when it comes to retiring Vs resigning.

And if you don’t have the right information you could make the wrong decision and potentially lose R100,000’s.

That’s why I prepared this important briefing – called a “Masterclass” – EXCLUSIVELY for Government Employees who started work before 1998… who are considering leaving in the next 12 months.

If that’s you, I urge you to lock the door, turn off your phone, and watch this important briefing now before time runs out.

You can watch it instantly online for the next 48 hours. All you need is a computer or phone and an internet connection.

When You Secure Your “48 Hour Pass” To My Exclusive Masterclass You Will Discover:

If you value the money you’ve accumulated in your pension fund over your lifetime of service… and you don’t want to make costly mistakes that will affect your financial future… you MUST watch this eye-opening masterclass right now.

087 354 9015
retirewell@retiresa.co.za

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iZulu Office Park
Rey’s Place, Ballito, 4399

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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.