Retirement Wellness South Africa

Free Resources for Government Employees

Dear Member,

Here are some useful resources to help you separate the truth from myths about your pension benefits and retire vs resign options.

Below are a selection of some of my over 200 videos for government employees.

You will find even more useful videos on my YouTube channel at: Dhevan Naicker YouTube

"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." "#GovernmentEmployeeResignation #GovernmentPensionPlanning #PublicSectorRetirement #CivilServiceResignation #RetirementForGovernmentWorkers #PensionFundAdvice #ResignationFromGovernment #PublicServicePension #CivilServantFinancialPlanning #GovernmentPensionBenefits #ResigningFromGovernment #GovernmentEmployeeTaxSavings #PublicSectorFinancialPlanning #CivilServicePensionPlan #RetirementForCivilServants #GovernmentJobResignation #PublicEmployeeRetirement #GovernmentWorkerResignation #PensionPlanForGovernmentEmployees #ResignationPlanningForPublicEmployees"
36 Years with SAPS: How Molati Resigned and Paid No Tax
From Tax Burden to Tax Refund: Amanda’s Journey to a Secure Financial Future” In this powerful testimonial, Amanda, a dedicated government employee, shares her transformative journey from facing severe tax penalties to achieving financial freedom and peace of mind. After hearing about the two-pot system, Amanda decided to resign from government employment to ensure a lasting legacy for her children. She discovered my Retire vs Resign Masterclasses on Facebook and decided to take control of her financial future. Despite her best efforts, Amanda was paying an extra R40,000 in taxes each year due to the income she received from her late husband. Her investments and policies weren’t working in harmony, and there was no clear end goal. That’s when she turned to me for help. After booking a VIP consultation, I created a personalized ‘Resignation Success Plan’ for Amanda, providing her with a step-by-step process to achieve her goals. The results were almost immediate. Amanda was skeptical at first, especially when I told her she could get a tax refund. But this year, she received an incredible R35,000 refund, transforming what she thought was impossible into a brilliant reality. In just five months, Amanda recovered the initial cost of my services, and her money has continued to grow ever since. The highlight of Amanda’s journey? Everything went smoothly. Her money was ready to be paid out even before she left work, and the tax refund was an unexpected bonus—she had made provisions to pay R40,000 in taxes but ended up receiving R30,000 back, effectively gaining R70,000! Amanda now feels secure knowing that her finances are professionally managed. Most importantly, she’s confident that her three daughters will be well taken care of, inheriting all the money she worked so hard for, instead of facing uncertainty with a traditional retirement payout. Watch Amanda’s testimonial to learn how a well-crafted financial plan can change everything. Ready to take the next step? Email us at retirewell@retiresa.co.za to book your private consultation. Disclaimer: This information 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.""From Tax Burden to Tax Refund: Amanda’s Journey to a Secure Financial Future” In this powerful testimonial, Amanda, a dedicated government employee, shares her transformative journey from facing severe tax penalties to achieving financial freedom and peace of mind. After hearing about the two-pot system, Amanda decided to resign from government employment to ensure a lasting legacy for her children. She discovered my Retire vs Resign Masterclasses on Facebook and decided to take control of her financial future. Despite her best efforts, Amanda was paying an extra R40,000 in taxes each year due to the income she received from her late husband. Her investments and policies weren’t working in harmony, and there was no clear end goal. That’s when she turned to me for help. After booking a VIP consultation, I created a personalized ‘Resignation Success Plan’ for Amanda, providing her with a step-by-step process to achieve her goals. The results were almost immediate. Amanda was skeptical at first, especially when I told her she could get a tax refund. But this year, she received an incredible R35,000 refund, transforming what she thought was impossible into a brilliant reality. In just five months, Amanda recovered the initial cost of my services, and her money has continued to grow ever since. The highlight of Amanda’s journey? Everything went smoothly. Her money was ready to be paid out even before she left work, and the tax refund was an unexpected bonus—she had made provisions to pay R40,000 in taxes but ended up receiving R30,000 back, effectively gaining R70,000! Amanda now feels secure knowing that her finances are professionally managed. Most importantly, she’s confident that her three daughters will be well taken care of, inheriting all the money she worked so hard for, instead of facing uncertainty with a traditional retirement payout. Watch Amanda’s testimonial to learn how a well-crafted financial plan can change everything. Ready to take the next step? Email us at retirewell@retiresa.co.za to book your private consultation. Disclaimer: This information 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. #GovernmentEmployeeResignation #GovernmentPensionPlanning #PublicSectorRetirement #CivilServiceResignation #RetirementForGovernmentWorkers #PensionFundAdvice #ResignationFromGovernmen #PublicServicePension #CivilServantFinancialPlanning #ResigningFromGovernment #GovernmentEmployeeTaxSavings
How Amanda Turned a R40,000 Tax Bill into a R35,000 Refund: Her Resignation Success Story
How the Two Pot System Impacts Every Single GEPF Member
"🌟 Unlock the Secrets to a 5-Star Resignation! 🌟 What do a toy seal, a pair of sunglasses, and the luxurious Taj Hotel in Cape Town have to do with your decision to retire or resign from government? You might be surprised by the answer! Hi, I’m Dhevan Naicker, your go-to specialist for Retire vs Resign decisions. If you’re a government employee considering resignation, I’m here to help you minimize tax liabilities, ensure a lifelong income, and protect your family’s legacy. In this video, I’ll share how my wife’s birthday celebration at the Taj Hotel inspired me to create a 5-star resignation experience for you. Imagine the peace of mind and luxury of a 5-star hotel stay applied to your resignation process. 📧 Ready to take the next step? Email us at retirewell@retiresa.co.za to book a private consultation. This exclusive offer is for those who started working before 1998, allowing us to help you unlock an extra tax-free benefit. Disclaimer: This information 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." #PublicSectorResignation #RetirementPlanning #FinancialSecurity #TaxSavings #PensionFundStrategies
Government Employee Resignation Secrets: How to Achieve a 5-Star Exit!
What type of retirement/resignation will you have? When your working days are done, would you prefer a quiet life in a retirement home… or a chance to travel and tick off all the items on your bucket list? 🏖️✈️ (Picture yourself exploring the world instead of staying in one place.) There are 3 steps GEPF members can take now for a better retirement/resignation: 1️⃣ Save More on Taxes: Discover dozens of ways to save on tax each year while you’re still working. More savings mean more money to invest in your future. 💸 2️⃣ Prepare for the 2 Pot System: Understand the changes coming to the GEPF with the 2 pot system in September. Knowing your rights and options can help you avoid costly mistakes. 📊 3️⃣ Stay Informed: Like and follow my videos for more detailed retirement/resignation planning, tax-saving, and wealth-creation tips specifically for GEPF members. 🎥📈 👉 Don’t leave your retirement/resignation to chance. Take action now for the life you deserve! Follow for more tips and stay ahead of the changes. 🚀 #GEPF #RetirementPlanning #FinancialFreedom #TaxSavings #2PotSystem #WealthCreation #RetireVsResign #FinancialAdvice #PlanForTheFuture #ResignationPlanning #PostResignation #SecureYourFuture
🌟 ATTENTION GEPF MEMBERS!🌟 What type of retirement/resignation will you have?
Are you torn between retiring or resigning? Do you wonder if there's a right way to navigate through this life-changing decision? Yogie was once in your shoes, facing the same dilemma, uncertain and seeking clarity. Now, she's not just resolved her predicament; she's thriving because of the choice she made. In this revealing video, Yogie shares her personal journey of planning the perfect resignation. From the initial uncertainties to the strategic decisions that led to substantial tax savings and financial freedom, her story is a beacon for all members looking to make an informed decision. What You'll Learn: - Strategies that Work: Discover the precise steps Yogie took to maximize her benefits and secure her financial future. - Tax Savings Unveiled: Learn how Yogie used her Pre-98 tax-free benefit to save over R400,000 in tax! - Emotional and Financial Peace: Listen as Yogie shares how at peace she feels, knowing that she made the right choices for her financial well-being. Why Watch? If you're stuck deciding whether to retire or resign, this video isn't just a success story; it's a guide packed with actionable insights that could direct you to your best path. Don't miss out on our FREE Retire vs Resign Masterclass for a limited time only! Gain deeper insights and personalized strategies to navigate your retirement or resignation. Check it out here: www.retirevsresign.co.za Remember, Retirement Wellness SA is an Authorised Financial Services Provider (FSP 31609). This video aims to inform and inspire, providing you with information to help guide your decision-making process, not direct advice. Disclaimer: This information is not provided by or on behalf of the Government Employee Pension Fund (GEPF). We do not act on behalf of the GEPF. #PublicSectorResignation #RetirementPlanning #FinancialSecurity #TaxSavings #PensionFundStrategies
How Government Employees Can Achieve the Perfect Resignation: Yogie’s Proven Strategy
Are you tired of being weighed down by debts that never seem to go away? When Makoena reached out to me after joining the Retire vs Resign Masterclass, she was overwhelmed. Her debts were piling up, and her gratuity just wasn’t enough to settle everything. She was desperate for a fresh start and wanted to resign, but the fear of paying huge taxes held her back. But then came the breakthrough. Makoena started working before 1998, which meant she had access to an extra tax-free benefit that most government employees never hear about. This little-known benefit changed everything. In this powerful testimonial, Makoena shares how she paid ZERO tax on her true 1/3rd lump sum and finally wiped out her debts—once and for all. If you’re a government employee feeling trapped by debt and uncertain about your next step, this video could be your game-changer. Watch how Makoena transformed her finances and learn the strategies that could help you do the same. Don’t let debt keep you from the life you deserve. Click play and take the first step towards financial freedom. If you’re new to this channel, click subscribe to be the first to get the latest tax-saving and investment tips. Disclaimer: This information is not provided by or on behalf of the Government Employee 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. #PublicSectorResignation #RetirementPlanning #FinancialSecurity #TaxSavings #PensionFundStrategies
How Makoena Paid Zero Tax & Settled All Debt After Resigning from Government Service
Load More... Subscribe
Tax-Saving Information For GEPF Members

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!

GET THE Free Guide HERE

Yours for a financially secure, prosperous retirement,

Dhevan Naicker

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

087 354 9015
retirewell@retiresa.co.za

Suite F110A
iZulu Office Park
Rey’s Place, Ballito, 4399

An Authorised Financial Services Provider – FSP 31609



Click to view our compliance and legal information

Conflict of Interest Management Policy Complaints Procedure

TCF Policy Privacy Policy PAIA Manual Website Disclaimer

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.