Wealthy-Her

Divorce proof your marriage.
This episode explains how we have split up this huge subject and how to navigate your way through the various podcasts. We have seen how Divorce can completely blindside our clients. And how women looking to get married don't understand the full impact of the marital regime that they marry into. So we decided to create these podcasts, to better prepare all parties in terms of marriage and possibly divorce should this occur. It is a huge topic and so we have decided to break this down into small snippets so you can access the information you want.

Pivotal Life moments and their financial repercussions.
Managing money during life’s pivotal moments and giving you the pen to write your own story.
These podcasts are aimed at showing women that they are the Wealth they have been waiting for.
Yes… let’s talk about finance, but make it personal.
Yes… let’s talk about finance, but make it powerful.

Managing money during life’s major shifts may not seem intuitive so we are stepping in to reframe, and make your financial empowerment a source of pride, not pressure.

Seanagh Fannin
Founder and Managing Director of Carrick Athena.

Why did we ask Hannah Wilson to join us as our Divorce Expert?
This episode introduces Hannah Wilson. Hannah explains the way she breaks down this huge subject of Divorce into "bite- sized chunks". So that instead of feeling blindsided, you understand how to consider a divorce settlement which will form the foundation for the future. If you are getting married and want to understand more about the contract of marriage this is also a great place to start.

I am getting divorced! Where do I start?
This episode looks at unwinding the partnership of marriage. It focuses specifically on the unwinding of the financial partnership and understanding that this applies to 3 areas: Division of assets; Possible Child maintenance; Possible Spousal Maintenance.

How assets in a marriage are divided on death or divorce.
An extremely important episode: How are the assets in a marriage split up, or "Who gets what" starts with which country's law applied at the day of marriage. Do not just assume this is South Africa. This episode unpacks why and subsequently which marital regime will apply for your marriage. This is an important episode in understanding the division of assets be it through divorce or on the passing of your significant other.

The default marital regime in SA and its implications on divorce and inheritance.
Married in Community of Property: What does this mean, what are the implications of being married under this regime for death or divorce and how do you specifically opt out of this regime. We also discuss how to handle the receiving inheritance whilst married under this regime and why the necessary ringfencing of this is so important.

One of the most common marital regimes: "The I owe you".

What does this mean, what the implications of this are. How do you specifically select this when getting married. Why would you chose this. And of course, how does this affect you when you get divorced. Part 2 is a separate podcast which looks specifically at how to calculate the accrual claim.

Out and Out. Probably the cleanest and clearest regime.

The simplest of the marital regimes. This episode explores what the parameters are around this regime and possible elements that one should consider that might be relevant in divorce, like what happens in the case of purchasing a joint property. We also touch on Loans to Discretionary Trusts and how this affects your personal estate in a divorce.

What are the consequences of a long term relationship ending?
Are there any rights?

You always anticipated being together but neither of you wanted to get married. Unfortunately the relationship has ended but you bought a house together - surely you have rights here? This episode explores all of these parameters. What agreements should you have in place.

How much do our kids cost and who contributes to this?

How do you calculate how much each parent is going to be contributing to these costs in the post divorce world. We talk about reasonable maintenance requirements and how to consider calculating these actual costs. And finally how each parent is going to contribute proportionaitly in terms of each parents financial means.

It is a balance between an established need vs the ability to finance that need.

So often clients advise that they are entitled to maintenace. This episode looks to unpack what is spousal maintenance and under which circumstances this will be granted by the court. It touches on the fact that spousal maintenance can be revisited. From a finance perspective its where you start to look at lump sum payouts and should consider the advice of a Wealth specialist to help you calculate this as this may very well be a better choice in the long run

You're getting divorced. What about the Family Trust?

How do Trusts work. And how is the loan considered when going through a divorce. (A side note here, there are many aspects to Trusts which can get quite involved and we have decided to rather invite you to engage with us if you have particular questions regarding your Trust rather than deal with this in a podcast)

I am getting married. What do I need to know?

I am about to get married. What do I need to know? 7 things you should know before you get married. This podcast looks to unpack how to live with in the parameters of your marriage and have a seat at the financial decision making table. 74% of women die single so understanding how getting married is going to influence this is so important.

74% of women die single.
Have a seat at the family financial decision-making table.

How do I find out what is happening with the family finances so that I know where I stand. How do I make sure that we as a couple, (or just me on my own,) have sufficient savings. In this episode we talk about the rule of 50% / 30%/ 20% and an emergency fund.

How not knowing about the family finances can cost you everything.

This is a very powerful, but sad story about the devastating impacts of not knowing how you are married and how it will affect you on death. Its the reason building financial structures and understanding how they work, are so very important. Its the reason why having a seat at the family financial decision making table is so important. Its the reason why perhaps not assuming your husband has it all under control is better.

At the end of the day it is your life and you are the only one responsible for it.

Why are Trusts so expensive to run?

I meet so many clients who hold Trusts and they are not aware of how they work and why they are SO expensive. There are so many better structures to use.

This podcast looks at how Trusts work and see if you are actually protecting and achieving what you set out to do.

Why this doesn't work anymore.

This law was changed in 2024. This podcast speaks to how children who no longer live in SA will be taxed in the Hands of the Trust. Many of my clients in this situation don't seem to be aware of this change and how extremely expensive this has become.

Peggy thought he had, but never checked until it was too late.

A story about Peggy whose husband (A lawyer) had promised her throughout their marriage that there would be enough on retirement for both of them. She discovered far too late that her husband simply didn't understand anything about finance and clearly had not save enough.

A story about why you MUST update your Will.

A story about what happens when you don't update your Will and when you don't know the implications of how you are married. And the devastating effect this can have on your life.

Married out of Community of property, and the accrual claim.

This is part two to our podcast "Married out of Community of Property with accrual". We break down the very simple application of the accrual claim. But then also look at what might be excluded from this claim like inheritance and donations between spouses.

If you aren't invested offshore it is unlikely your investments are breaking even.

This podcast looks to explore financial freedom and how to get there. It unpacks investments their power, how to use them and how to consider them. It explains more importantly why having funds offshore is no longer just a choice it is imperative.

It talks about the 3 things that will always chip away at your wealth if you have not taken it into account: Rand Depreciation, Taxation and the effects of inflation.

And it explains why your wealth advisor needs to be somoene who is carefully and meticulously…