Build wealth, hand it on

Pass It On Create

Pass It On Create helps families and business owners organise wealth with care, so it can move forward cleanly and with purpose. Based in Stellenbosch, we support clients across South Africa with estate planning, trust structuring, succession conversations and practical legacy work.

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Wealth Plans

Family Wealth Plan

A core planning framework for households wanting aligned investments, wills and transfer steps.

Business Owner Plan

A plan for owners who need personal wealth and business succession considered together.

Trust Wealth Plan

A structured plan for families using trusts to hold and transfer assets carefully.

Retirement Income Plan

A retirement drawdown strategy balancing income needs, tax and legacy wishes.

Legacy Design Plan

A thoughtful plan for defining what to pass on, to whom and under what structure.

Estate Freeze Plan

A plan aimed at limiting estate growth in the founder's name while supporting the next generation.

Living Benefits Plan

A planning structure that balances present lifestyle needs with future family transfer goals.

A steady way to build wealth and pass it on

Pass It On Create works with people who want more than a product sale. Our clients come to us for calm guidance on the decisions that sit behind a lasting family plan: who receives what, when it should happen, how taxes and liquidity are managed, and how the next generation is prepared. We help turn those questions into clear steps that suit the family, the business and the assets involved.

Our approach is practical. We look at the full picture, from wills and trusts to retirement income and family conversations, then shape a plan that fits the pace of real life. If you own a business in the Cape Winelands, manage a household in Johannesburg, or are planning from Durban while children study elsewhere, the work still needs to be orderly and easy to follow. That is what we aim to provide.

What we help with in day to day planning

Our services cover the core pieces that support generational wealth. Some clients need a full estate review. Others want one part of the plan checked and documented properly. We can help with the structure, the conversations and the practical follow through so nothing important is left to chance.

Estate Planning for families and business owners
Will Coordination to keep instructions clear and current
Trust Structuring for long term control and continuity
Retirement Income Planning for income that can last
Succession Facilitation for family and business transitions
Legacy Workshops for families who want shared understanding
Beneficiary Reviews and Asset Mapping
Liquidity Analysis for estate costs and timing
Family Meetings and Trustee Briefings
Plan Reviews when life changes or laws change

We also assist where a plan has become complicated over time. Multiple properties, operating companies, offshore assets or blended families can all add layers. The work is to simplify matters without losing detail, so the structure remains useful years from now not just this season.

Who comes to us and why they stay

Our clients are often entrepreneurs, family business owners, trustees and multi-generational households. Some are building wealth in the early years and want to avoid common mistakes. Others are already in the handover stage and need support to guide adult children, protect a surviving spouse, or settle a business succession plan. We also work with people who simply want a second set of eyes on the documents and the logic behind them.

Clients return because the relationship is built on clarity. They know they will get straight answers, time to ask questions and advice that is practical rather than pushy. A good plan needs to work in real life, including on a busy Monday, during load-shedding or when a family member is overseas and decisions still need to be made. That is when careful planning shows its value.

Families wanting a calm, structured process
Business owners needing succession and continuity support
Retirees planning income with less pressure
Trustees and heirs needing clear roles and records
Clients who want plain language and measured guidance

Wealth With Purpose

Plans are built around family goals, stewardship and long-term transfer, not short-term noise.

Clean Asset Transfer

Advisers help align wills, trusts, ownership records and investment structures so transitions are practical.

Clear Family Conversations

Structured meetings help business owners and families discuss succession, fairness and responsibilities with less stress.

South African Practicality

Advice reflects local tax realities, family business dynamics and the need for simple, workable next steps.

Families We Advise

Entrepreneur Families

Advice for founders whose family wealth and business decisions are tightly linked.

Retired Couples

Guidance for couples balancing income needs, estate simplicity and family support.

Young Parents

Planning support for parents who need wills, guardianship and early wealth foundations.

Blended Households

Structured advice for families needing fairness and clarity across different branches.

Family Business Owners

Guidance where ownership transfer and family relationships must be handled carefully.

Widowed Clients

Calm help for clients facing administration, income changes and urgent decisions after loss.

Case Studies

Stellenbosch Founder Family

A founder family aligned business succession, retirement income and trust structures before handover.

Read the project

From the journal

What Is Legacy Design

A simple look at how legacy design turns values and assets into a practical family plan.

Trusts For Families

When a family trust may help and what questions to ask before setting one up.

Wills Still Matter

Why a current will remains one of the most important estate planning tools.

Retirement Income Risks

Common drawdown and budgeting mistakes that can erode confidence in retirement.

How we work with you from first meeting to review

Our process starts with listening. We want to understand the family setup, business interests, property holdings, existing documents and the tensions that can sit under the surface. From there, we map the assets and identify where the plan is strong and where it needs attention. That may include beneficiary updates, liquidity gaps, trustee responsibilities, or a will that needs to be brought in line with the rest of the structure.

After that, we walk through the next steps in plain language. If a trust is appropriate, we look at the purpose and the roles involved. If retirement income is part of the picture, we consider cash flow, timing and flexibility. If the family needs a meeting, we help shape the conversation so it is useful and respectful. The aim is always the same: make the plan easier to understand and easier to carry forward.

Clients can reach us through the enquiry form on our contact page, then we arrange the next step from there. We also offer video consultations for people outside Stellenbosch, which is useful for families with members in different cities or different time zones.

South African coverage with a Stellenbosch base

Pass It On Create is based in Stellenbosch and works with clients across South Africa. We regularly assist families and business owners in Cape Town, Paarl, Somerset West, Claremont, Johannesburg and Durban, along with clients who prefer online advice from anywhere in the country. Many households today have children studying in one province, parents in another and assets spread across more than one area, so flexible access matters.

Whether you are in the Western Cape or further inland, the legal and financial questions still need proper attention. Estate rules, trustee duties, family agreements and retirement income choices all benefit from careful planning. Our regional pages make it easy to find the right starting point, but the work itself is always tailored to the household in front of us.

Stellenbosch Advice
Cape Town Advice
Paarl Advice
Johannesburg Advice
Durban Advice
Somerset West Advice
Claremont Advice
Online Advice

Since 2011, with advice that families come back for

Founded in 2011, Pass It On Create has grown through long term relationships and careful referrals. Our team includes Lukhanyo van der Merwe as Managing Director, Anika Fourie leading Estate Planning, Sibusiso Dlamini as Senior Wealth Adviser, Megan Naidoo specialising in Trust Structures, Ruan le Roux focusing on Retirement Planning, and Zanele Mokoena leading Client Service. Together, we support clients with a practical and considered process from start to finish.

What keeps clients returning is not only the technical work. It is the consistency. They know that when a family situation changes, a child gets married, a business is sold or a parent passes on, there is already a relationship in place and the next conversation can start without confusion. That kind of continuity matters when the aim is to protect what has been built and pass it on with purpose. Sometimes the paperwork is straightforward, sometimes it isnt, but the next step should always be clear.

Questions we get asked

What does Pass It On Create help with?

We help with estate planning, will coordination, trust structuring, retirement income planning, succession facilitation, legacy workshops, beneficiary reviews, asset mapping, liquidity analysis, family meetings, trustee briefings and plan reviews.

Which areas do you serve?

We are based in Stellenbosch and work with clients in Cape Town, Paarl, Johannesburg, Durban, Somerset West and Claremont, as well as clients nationwide through video consultations.

Who is the service best suited to?

Our work suits families, entrepreneurs, business owners and multi-generational households who want calm guidance on how wealth should be structured and handed on.

Planning something? Send the team a message.

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