Retirement Planning

Retirement shouldn’t be uncertain — it should be the reward for years of hard work. At First Step Life, we help you take control of your financial future with personalised retirement planning strategies that grow with you.

Whether you’re just starting out, in your peak earning years, or approaching retirement, we’ll help you make smart, tax-efficient decisions that support the life you want to live later. Who should start planning?

  • Young professionals wanting to build smart financial habits early
  • Mid-career earners looking to boost their retirement portfolio
  • Business owners and freelancers without employer pension schemes
  • Anyone nearing retirement age who wants to optimise their savings

We Collaborate with

Why build your Retirement Plan?

Many South Africans reach retirement age with too little saved, leading to financial stress in a time that should be restful and rewarding. First Step Life creates holistic retirement strategies tailored to your life goals and income capacity.

Retirement Planning Tools

Retirement Annuities (RAs)
Structured, tax-efficient retirement savings products
Tax-Free Savings Accounts (TFSAs)
Great for long-term, flexible retirement supplements
Unit Trusts & ETFs
Market-based investments for flexible, diversified growth
Preservation Funds
Safeguard retirement savings from previous employers
Life & Disability Cover
To protect your retirement planning when the unexpected in life happens
Alternative investments
Assets such as private equity, hedge funds, real estate, and even collectibles like art or wine. These investments can provide greater diversification and potentially higher returns

What we help you plan for.

  • Determine how much you need to retire comfortably
  • Identify gaps in your current savings or investment plans
  • Choose the right products (Annuities, RA, TFSA, Unit Trusts, etc.)
  • Plan for inflation and unexpected costs
  • Optimize contributions for tax savings
  • Prepare for different retirement ages or exit strategies

Advantages of First Step Life

  • Independent advice based on your personal situation
  • Access to top-performing retirement options across multiple providers
  • Ongoing reviews and plan adjustments as your life evolves
  • Transparent, goal-focused guidance from experienced financial planners

Need Car, Home, or Business Insurance?

First Step Life focuses on long-term planning and protection — but if you’re also looking for short-term insurance solutions, our trusted partner First Step Insurance Brokers can help you safeguard the things that matter most right now

Car Insurance

Cover for accidents, theft, hijacking, and third-party liability

Home & Contents Insurance

Protection for your property and personal belongings

Commercial Insurance

Insurance for your business assets, equipment, and liability

Professional Liability

Cover against claims for professional mistakes or advice
Visit First step life for Full Life and Financial Planning Services

Start Planning Your Future Today

Every year you delay retirement planning can cost you thousands in lost growth. Let’s build a strategy that works for your lifestyle, goals, and peace of mind.

Get a FREE CONSULTATION Today