What if the second half of your life could be better than the first?

The Wheel of Balance

What would bring more meaning to your life?

RetiremeantTM is an opportunity to re-establish equilibrium by making time for those areas in your life that might have been previously neglected. We have identified eight elements that make up a balanced life in your next chapter: work, give back, relationships, money, learn, health, purpose and play. The aim is not to get a 5/5 fulfilment rating for each area, but rather to establish how engaged you are in each of the areas. Our proper advice on Retirement Planning in South Africa assists you in achieving your goals.

Take the Balance Test

Find out what your life balance is by partaking in the balance test. Click the button below to start the test. Please note that registration is required to participate.

  • Work

    Find something that gives you a sense of direction, purpose and worth.

    Work is about so much more than a pay check, it gives you a sense of uselfulness. The excitement at the idea of not working soon wears off, and you will be left with a lot of time to fill. More and more retirees are opting to never fully retire; instead they are restructuring their work lives. You need to identify what you enjoyed about your job, and what will bring meaning to your life in retirement.

    Read More

  • Give Back

    Look beyond yourself and make a difference in this world.

    Giving back is not limited to charity work; rather it is a state of mind and a way of life. You should consider the impact that you want to have on the world, and the legacy you want to leave behind. Giving back could mean volunteering at your favourite charity, it could be mentoring or tutoring, it could be as simple as recycling or giving a meal to a homeless child. The bottom line is that happiness comes from giving, not getting. If you try hard to bring happiness to others, you cannot stop it from coming to you as well.

    Read More

  • Relationships

    Make sure you have people to share your life with.

    Start by establishing a meaningful relationship with yourself. Reflection, gratitude and solitude is a good starting point to self-understanding and self-acceptance. Once you have a healthy relationship with yourself, you are better positioned to build strong and lasting relationships with others.

    Never downplay the importance of feeling connected. Feeling a part of something is so vital and you need to make an effort to interact with people and build a network from various sources.

    Read More

  • Money

    Plan your money in accordance with your plan for your life.

    Money is an important consideration and it is vital to know how much you have, and how much you need to last you through Retiremeant™. Your Financial Plan empowers you to understand the size of your assets, the income you would like to receive and the ideal rate of investment return. You are then in a position to structure your Financial Plan to support your Life Plan. Remember that your money must enable your life vision.

    Read More

  • Learn

    Never stop growing your knowledge and expanding your mind.

    Ask yourself: Are you doing enough to keep your mind active? Do not underestimate how easily you can become complacent about learning. You have to make a concious effort to challenge yourself daily. Your mental health is vital to your overall wellbeing - use it or lose it!

    Read More

  • Health

    Keep your body fit, your mind challenged and your heart engaged.

    Your physical limitations will largely affect the extent to which you are able to enjoy your retirement. The good news is that your quality of life is completely in your control. You need to make good lifestyle choices and engage with your life so that you can get the best out of it.

    Read More

  • Purpose

    Recognise that purpose comes from who you are, not what you do.

    Real fulfilment comes from living a life where you have some sense that there is something that you are meant to be – or do. Spend time thinking about what really makes you happy and pursue a life that incorporates those things that bring you joy.

    Read More

  • Play

    Consciously seek out fun, adventure and creativity.

    Being able to play and have fun will make you feel alive – identify those activities that give you pure joy! Retiremeant™ gives you the freedom to discover what gives you immense pleasure, and once you know that, you can actively include this in your life.

    Read More

  • Work

    Find something that gives you a sense of direction, purpose and worth.

    Work is about so much more than a pay check, it gives you a sense of uselfulness. The excitement at the idea of not working soon wears off, and you will be left with a lot of time to fill. More and more retirees are opting to never fully retire; instead they are restructuring their work lives. You need to identify what you enjoyed about your job, and what will bring meaning to your life in retirement.
    Read More

  • Give Back

    Look beyond yourself and make a difference in this world.

    Giving back is not limited to charity work; rather it is a state of mind and a way of life. You should consider the impact that you want to have on the world, and the legacy you want to leave behind. Giving back could mean volunteering at your favourite charity, it could be mentoring or tutoring, it could be as simple as recycling or giving a meal to a homeless child. The bottom line is that happiness comes from giving, not getting. If you try hard to bring happiness to others, you cannot stop it from coming to you as well.
    Read More

  • Relationships

    Make sure you have people to share your life with.

    Start by establishing a meaningful relationship with yourself. Reflection, gratitude and solitude is a good starting point to self-understanding and self-acceptance. Once you have a healthy relationship with yourself, you are better positioned to build strong and lasting relationships with others.
    Never downplay the importance of feeling connected. Feeling a part of something is so vital and you need to make an effort to interact with people and build a network from various sources.
    Read More

  • Money

    Plan your money in accordance with your plan for your life.

    Money is an important consideration and it is vital to know how much you have, and how much you need to last you through Retiremeant™. Your Financial Plan empowers you to understand the size of your assets, the income you would like to receive and the ideal rate of investment return. You are then in a position to structure your Financial Plan to support your Life Plan. Remember that your money must enable your life vision.
    Read More

  • Learn

    Never stop growing your knowledge and expanding your mind.

    Ask yourself: Are you doing enough to keep your mind active? Do not underestimate how easily you can become complacent about learning. You have to make a concious effort to challenge yourself daily. Your mental health is vital to your overall wellbeing - use it or lose it!
    Read More

  • Health

    Keep your body fit, your mind challenged and your heart engaged.

    Your physical limitations will largely affect the extent to which you are able to enjoy your retirement. The good news is that your quality of life is completely in your control. You need to make good lifestyle choices and engage with your life so that you can get the best out of it.
    Read More

  • Purpose

    Recognise that purpose comes from who you are, not what you do.

    Real fulfilment comes from living a life where you have some sense that there is something that you are meant to be – or do. Spend time thinking about what really makes you happy and pursue a life that incorporates those things that bring you joy.
    Read More

  • Play

    Consciously seek out fun, adventure and creativity.

    Being able to play and have fun will make you feel alive – identify those activities that give you pure joy! Retiremeant™ gives you the freedom to discover what gives you immense pleasure, and once you know that, you can actively include this in your life.
    Read More

Why Balance is Important

Watch the Balance video to get more insight into what achieving balance in RetiremeantTM is.

Happiness is not a matter of intensity but of balance, order, rhythm and harmony”

Thomas Mearton
American Trappist monk, writer and theologian

RetiremeantTM Planning

When it comes to retirement, people do not necessarily plan to fail, they often just fail to plan. At Retire Successfully we believe that a holistic RetiremeantTM Plan comprises of a Life Plan + Financial Plan + Estate Plan.

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RetiremeantTM Planning has aptly been compared to building a jigsaw puzzle – an analogy first created by international Life Planning speaker and consultant, Elizabeth Jetton:

If you were building a puzzle, where would you start? Most people say the corner pieces – but the answer is the picture on the cover of the box.

Your RetiremeantTM assets are the pieces of the puzzle; they make the picture possible. However, most people try and piece their RetiremeantTM together without knowing what the result needs to be. Life Planning involves creating the picture of the life you want, before you start moving the pieces of the puzzle around.

Our RetiremeantTM Planning journey explained below is courtesy of Chartered Wealth Solutions. As Director and Head of Life Planning at Chartered Wealth Solutions, Kim Potgieter (our Brand ambassador) has witnessed the effectiveness of this process first-hand.

Learn more about the RetiremeantTM Planning journey at Chartered Wealth Solutions.

Life Planning

A holistic RetiremeantTM Plan is one that takes all aspects of your life into consideration and should be uniquely tailored for you.

Life Planning is the first step in the process, and it begins with you – where you’ve come from and how you got there. It also looks at your money history and principles, and then winds its way through what you’re going through in this transitional phase.

A critical part of the process is defining what RetiremeantTM means to you, and creating a vision for your life in the coming years. The “what” and “how” are key concepts in your journey: you will explore not only what you want to be, but also how you will do so.  The how has everything to do with engaging in all areas of the Wheel of Balance.

Then, the next part of the journey can begin: Financial planning.

Financial Planning

Your Financial Plan looks at different scenarios of how long your money will last and takes your unique circumstances into consideration. Your Plan is carefully structured to support your life objectives. In this way, your money can be invested to ensure that it lasts during your Retiremeant™ years. Now your money means something; it enables you to live a fulfilling next chapter.

The next step is Investment Planning where sound investment structures are proposed to safeguard your life savings. This includes carefully designed investment portfolios to get you optimal returns while managing investment risk and minimising costs.

Estate Planning

Your Financial Plan is followed with an Estate Plan where your Will, Trust, beneficiaries, estate duty and liquidity are considered to ensure that you have peace of mind knowing that your wishes will be executed when you are no longer here.

If you are interested in embarking on the RetiremeantTM Journey with Chartered Wealth Solutions, please get in touch by submitting this form below.

From Balance Wheel to Bucket Wheel®

Directing your spend

The Bucket Wheel® integrates the idea of Balance with your Bucket List and reflects all the things you would still like to do – and be – in your life ahead.

The Bucket Wheel® is also the best indicator of what money you will need and serves as a guide for allocating money to bring more meaning.

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As part of visioning your ideal RetiremeantTM, we encourage you to take the Balance Test and create your personal Wheel of Balance as part of visioning your ideal RetiremeantTM. This ensures that you are now considering and engaging in all elements important for a more balanced life.

Your input will assist you in creating your Bucket Wheel®, thereby focusing your energy and your money on what brings the most meaning to your life.

Why the Bucket Wheel®?

While the traditional idea of the Bucket List is extremely helpful in that it brings your focus to tangible objectives you want to meet to live life to the full, it generally conjures up ideas of things to do. We often meet people who feel that they ticked off their complete Bucket List two years into retirement – and 90% of the list consisted of travel destinations.

Your life before and during RetiremeantTM should not only be about what you want to do – but about who you are. A Bucket Wheel® can help you create a personalised action plan that’s speaks to your individuality.

If you would like further information or perhaps need some guidance on completing your Bucket Wheel®, please contact us to attend our Retire Successfully workshop – it’s designed to help you in creating an effective Life Plan.

Get in touch

An additional resource to guide you through the process is the book RETIREMEANT: get more meaning from your money, written by Kim Potgieter, CERTIFIED FINANCIAL PLANNER® and Director and Head of Life Planning at Chartered Wealth Solutions.

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