Announcements


New Tax Calculator - Thursday, February 26, 2015
We have updated out Tax Calculator with the new tax rates as presented by Finance Minister Nhlanhla Nene on 25 February 2015, at 2pm.

Try the Free Online Tax Calculator today to see how the new budget affects your pocket! 
You are here > Services > Consulting

Consulting services

Our team of qualified Chartered Accountants (SA) is able to provide advice, guidance, document preparation and implementation of structures covering the following disciplines:


  • Administration of deceased estates
    Your estate may end up being complex and beyond the scope of your family member’s technical abilities. In addition, that family member may also be emotionally hampered as a result of your death. Finally, estates often take longer than twelve months to finalise. In these circumstances it is often better to use the services of an outside specialist. For more information about this please visit our FAQs page.


  • Commissioner of Oaths
    With the problems of fraud in many government institutions, supplying certified documents is the only way you may be able to change your entity’s details. And if you need to make an affidavit, why do this at the police station when you can use our free service. For more information about this please visit our FAQs page.


  • Company valuations
    The sale of a business or the sale of shares in a business will take place at a value that a willing seller is prepared to receive and a willing buyer prepared to pay. The starting point is often the value placed on that business by an outside advisor such as a chartered accountant. When a business forms part of a deceased estate the executor of that estate will require a valuation of the company. For more information about this please visit our FAQs page.


  • Corporate structures
    Many businesses and business owners allow their business structures to evolve without periodically reviewing them. What was good a few years ago may now not be, due to changes in legislation, terms of trading or business relationships. Talk to our consultant for a view on your position. For more information about this please visit our FAQs page.


  • Drafting of wills
    We advise clients to review their wills at least once a year. In January of each year, once you have returned from your annual holidays, you should read your will and ensure that it fits your requirements. If it does, file it away; otherwise amend it by way of a codicil or a new will. Should your personal circumstances change, (e.g. through a divorce), then you should amend it right away. For more information about this please visit our FAQs page.


  • Elimination of business claims on personal estate utilising life cover protection
    When businesses require funding most lenders require security and in most cases this takes the form of personal security from the shareholders. On the death of a shareholder a claim on that shareholder’s estate will be made. This claim can be limited or eliminated by way of a specific insurance policy. (Note: Accumulo Consulting is not an insurance broker and therefore does not sell policies.) For more information about this please visit our FAQs page


  • Formation of trusts
    A trust is an integral part of estate planning. Yet often it is formed without the creator understanding its role or the specific need for that trust. Given the South African Revenue Services view of trusts it is imperative that your particular set of circumstances is fully investigated before you go ahead. The size of your estate, the age of your children or grandchildren, your current marital status and your business commitments and exposure all need to be taken into account in coming to a conclusion. For more information about this please visit our FAQs page


  • Human resources management
    Human resources, i.e. the employees, may be a business’s biggest asset and yet also its largest overhead. Management should ensure that it has policies and procedures in place to ensure that the business is always compliant with the ever-changing legislation. Many smaller businesses do not have the time or expertise to manage this discipline and it makes an ideal function to outsource. For more information about this please visit our FAQs page.


  • Keyman insurance
    Many businesses are built around the skills of one or more individuals. Untimely death may cause the company to incur substantial costs in replacing that important person. Eliminate this risk with an insurance policy. (Note: Accumulo Consulting is not an insurance broker and therefore does not sell policies.) For more information about this please visit our FAQs page.


  • Partnership agreements
    A partnership is like a marriage – when things go well no document is required, but when things go bad you need to refer to your agreement. When partners are fighting no agreement can ever be reached. For more information about this please visit our FAQs page.


  • Shareholders agreements
    Shareholders agreements regulate in a more personal manner the regulations on the rights, obligations and rewards that a shareholder is entitled to in respect of that shareholding. While some of this is covered in the Companies Act, a shareholders agreement personalises this to your company. The strength of the agreement will be tested when there is a dispute among the shareholders. (Note: the new Companies Act will require some changes in this regard when it is introduced.) For more information about this please visit our FAQs page.


  • Taxation planning
    Taxation affects every business and therefore you and the business need to be aware of your obligations and rights. Changes to taxes are an ongoing subject and these changes may bring opportunities to your business in terms of those changes - such as new allowances or accelerated write-offs. Planning is gaining this knowledge and applying it to your business. For more information about this please visit our FAQs page.