If you’re leaving government service soon and you're...
Worried if You Have Enough Money to Live Comfortably, How Much Tax You’ll Pay, or Whether You’re Making The Right Choices…
This FREE Masterclass is
FOR YOU
Join the online Retire vs Resign Masterclass™, live from the comfort of your home and discover the hidden truths that most government employees are never told.
The Retire vs Resign Masterclass™ is streamed ONLINE via ZOOM
Begins Live, Saturday, 29 August @ 9 AM
Only 100 seats available
One decision will define your future: Retire or Resign.
But have you ever caught yourself thinking…
“What if I choose wrong… and regret it for the rest of my life?”
“What if my pension isn’t enough… and I’m forced to depend on my children just to survive?”
“What if I pass away… and my family inherits nothing from everything I’ve worked for?”
These aren’t small worries. They’re life-defining fears.
And the hardest part?
Most government employees never get straight answers until it’s too late.
If you started government service before March 1998, there’s a hidden tax-free benefit buried in your pension.
One benefit that could save you hundreds of thousands in tax when you leave.
Here’s the catch: most members are never told about it. They walk away blind and lose the money forever.
And once it’s gone… it’s gone for good.
That’s why the Retire vs Resign Masterclass™ includes a special segment designed for government employees who started before 1998 so you know exactly how to claim what’s yours before it disappears.
In just 2 hours, you’ll gain the clarity, confidence, and concrete steps you need to protect your income, safeguard your family, and make the decision that secures your future.
Here Are Just Some Of The Government Employees Already Reaping the Benefits of The Retire vs Resign Masterclass™
Want the truth? I Built The Retire vs Resign Masterclass™
After Years Of Doing EVERYTHING WRONG…
I know your pain. I’ve been in your shoes.
And I’ve made just about every mistake you can make when it comes to retiring and resigning.
Here’s just a glimpse:
I’ve watched my Dad lose over R500 000 when he left government
I’ve miscalculated a member’s pre-98 tax and had to personally repay them over R180 000.
I’ve failed to properly compare retirement and resignation… and the member was locked into the wrong solution for life.
I’ve failed to explain the gratuity lump sum fine print and it cost a member R225 000.
I’ve forgotten to factor the tax on capped leave… and it cost another member R45 000.
I’ve invested a member’s money into leading investment companies, only to discover during Covid, that member lost over R750 000 in two weeks.
I’ve advised a member to retire just to keep their medical aid subsidy, only to realise when he passed away a few years later, his children over R2 200 000.
I’ve failed to plan properly ahead and a member’s payout was delayed by 8 months.
But every painful mistake taught me something.
And over time, I built a roadmap
A roadmap that finally puts you in control of your money, not the pension fund, investment companies or financial advisors.
A roadmap that stops you from repeating the devastating mistakes that have already robbed government employees of hundreds of thousands, even millions.
A roadmap that protects your family, ensuring they inherit every cent you’ve worked decades for, instead of watching it vanish to the fund or tax.
That’s what I’ll be sharing with you…
Meet Your Host For The Event Dhevan Naicker:
Retire vs Resign Specialist
Dhevan Naicker is the author of What They Don’t Want You To Know, the explosive book where, for the first time ever, he pulls back the curtain and reveals the exact strategies that have helped hundreds of government employees save millions in unnecessary taxes and finally secure the legacy their families deserve.
Dhevan didn’t choose this path, it chose him.
At just 13 years old, he watched his father leave government employment without the right advice. One financial decision cost their family over R500,000. What followed was years of struggle. His dad opened a small tuck shop just to survive. His mother, a full-time housewife, began waking up before sunrise to cook meals to sell.
They worked tirelessly just to keep the lights on.
Then, in 2023, tragedy struck again. Dhevan received a call that would change his life forever: his mother had passed away suddenly at just 62 years old. The grief was overwhelming—but it left him with one haunting question:
Could things have been different… if only his dad had been given the right information?
That question became his mission.
Today, Dhevan is a Certified Financial Planner™, a cum laude graduate with a Postgraduate Diploma in Financial Planning, and one of South Africa’s leading specialists for government employees planning to retire or resign.
He made a promise to his late mother that no other government employee should suffer the way his family did.
And he’s kept that promise, helping hundreds of government Educators avoid costly mistakes, save millions in unnecessary tax, and protect their family’s future.
What You’ll Discover Inside This Workshop Might Shock You
Most government employees think the big question is ‘Should I retire or resign?’
But this is not about the pension fund or investment companies.
This is about you.
Here’s just a taste of what we’ll unpack together:
The hidden truths about retiring vs resigning that THEY don’t want you to know.
The 7 costly mistakes members make when leaving public service and how to avoid them.
How members who started working before 1998 could save hundreds of thousands in tax, like former Principal P. Mgenge.
Legacy secrets: how to ensure your family inherits what you worked for, instead of the pension fund or investment companies.
Medical aid myths: What you haven’t been told and the hidden trap it sets for government employees.
How you can avoid the capped leave trap, just like Capt. M. Harold did and get paid out more.
The exclusive investment solutions designed specifically for government employees and how members are already using them to grow their savings safely while keeping control of their money.
Plus, the #1 truth most members only discover when it’s too late.
Here’s what happens when government employees stop guessing and start applying the Retire vs Resign Masterclass™ strategies.
The Wrong Decision Can Quietly Destroy Everything You’ve Worked For
One bad choice, retire or resign without the right plan, can ruin everything.
Not just your money… but your dignity, your security, and your family’s future.
And the worst part?
You don’t realize the damage until it’s too late.
Have you ever lost sleep worrying your pension won’t keep up with rising costs and runs out before you do?
Have you ever felt stuck because one mistake could cost you thousands?
Have you ever felt overwhelmed by colleagues, unions, and advisors all giving different answers and you don’t know who to trust?
Have you ever felt helpless that SARS could take as much as they want from you and there’s nothing you can do about it?
Have you ever felt torn between securing enough income for yourself and leaving a legacy for your children?
If you’ve felt even one of these…
You're not alone, but you can’t afford to keep living like this.
Because the real cost isn’t the wrong retirement or resignation decision.
It's the money lost to SARS,
the legacy gone
the lifelong regret
and the peace of mind you’ll never get back.
That ends now.
Bring Your Spouse. This Decision Affects Them Too
This is one of the most important financial decisions of your life.
Whether you retire or resign will impact your income, your tax position, and your family’s long-term security for years to come.
That’s why we strongly encourage you to have your spouse or adult children sit in with you online.
Many members choose to watch together because when they do:
Everyone hears the same information
Everyone understands the facts clearly
And you leave knowing you’ve asked the right questions and considered every option
Let’s face it, once this decision is made, there’s no going back.
We want you to feel confident knowing that whichever route you take, the people closest to you understand it and support you.
That’s why they’re welcome to join online at no additional cost.
Unlock Your Experience
This Masterclass will change the way you make the most important financial decision of your life.
Limited to 100 seats
Full access to the online 2-hour Retire vs Resign Masterclass™, live and in person
A free PDF copy of What They Don’t Want You To Know. Dhevan Naicker’s latest book revealing the hidden truths buried in your pension
The 7 Steps to Financial Freedom Roadmap. The clear path to saving tax, securing income, and protecting your legacy
Each Masterclass is strictly limited to 100 tickets. Secure yours before they’re gone.
The Retire vs Resign Masterclass™ is streamed ONLINE via ZOOM
Begins Live, Saturday, 29 August @ 9 AM
Only 100 seats available
Frequently Asked Questions
I joined the public service after 1998, am I still able to attend?
Absolutely.
In fact, it’s even more important for you to attend.
Those who started before 1998 have an extra tax free portion.
This means you could end up paying significantly more tax when you leave the public service.
However, once you register and attend the Masterclass, you’ll walk away with a clear understanding of:
+ How you can legally pay less tax
+ What happens to your capped leave
+ The real differences between retiring and resigning
+ Your medical aid options
+ And so much more
Our goal is simple: to help you make informed decisions so you can keep more of what you’ve worked so hard to earn.
I’m not thinking of leaving right now. Is this too early for me?
One of the main reasons government employees make costly mistakes, or later regret the decisions they’ve made, is because they leave everything until the last minute.
The good news is, you don’t have to.
Whether you’re planning to leave in a few months or a few years from now, understanding your options today gives you more time to prepare, ask the right questions, and make informed decisions when your time comes.
And let’s be honest… wouldn’t it give you peace of mind knowing you’ve taken the time to review all your options and make the best decision for you and your family?
Are you affiliated with the GEPF?
That’s a great question.
Let me ask you something…
Have you ever wondered whether you’ve been given all the information you need before making the decision to retire or resign?
Years ago, my own father made the decision to leave the public service. He wasn’t given the information he needed to fully understand his options, and it ended up costing him more than R500,000.
Watching that happen changed my life. I made it my mission to help government employees understand their options before making one of the biggest financial decisions of their lives, so other families don’t have to go through what we did.
That’s why we are not affiliated with, and do not act on behalf of, the Government Employees Pension Fund (GEPF).
Retirement Wellness SA is an Authorised Financial Services Provider (FSP 31609), and we work independently.
This Masterclass isn’t about the pension fund, investment companies or financial advisers.
It’s about you.
Why is the Masterclass free?
That’s a fair question. After all, if something is truly valuable, it’s usually worth paying for.
In fact, for years this was a paid Masterclass because we’ve seen firsthand how, with the right information and the right guidance, government employees have saved anywhere from R500,000 to more than R1 million in tax, simply because they understood their options before making a decision.
But over time, we noticed something else. There is so much conflicting information, and unfortunately, sometimes even misleading advice, that it becomes genuinely difficult to know who has your best interests at heart.
So we made the decision to make this Masterclass free, for a limited time, so every government employee has the opportunity to access this information before making one of the biggest financial decisions of their life.
From our experience, after a Masterclass, a percentage will want to work with us and want us to help. Again, it's not an obligation. If you do, great, if not, you will still leave with valuable information, a fresh perspective, and a much better understanding of the opportunities available to you.
The only investment we’re asking you to make is a couple of hours of your time.
Let me ask you this…
If attending this Masterclass helped you avoid just one costly mistake, or showed you how to legally save even R100,000 in tax, wouldn’t that be a worthwhile investment of your time?
Will I be pressured to buy something?
That’s a fair question. With everything we cover during the Masterclass, I don’t blame you for wondering.
Throughout the masterclass, we’ll share real stories from government employees who have implemented what they learned and achieved incredible results.
By the end of the masterclass, the way you look at retiring or resigning will be completely different.
You’ll discover opportunities that many government employees simply don’t know exist, from ways to legally reduce unnecessary tax, to protecting more of your legacy for your family, understanding investment solutions designed specifically for government employees, and much more.
After the masterclass, many attendees ask us the same question:
“How can I apply these strategies to my own situation?”
That’s why we give you the option of booking a personalised VIP Consultation with our team, where we can look at your specific circumstances and guide you based on your own goals.
If that’s something you’d like, you’re more than welcome to book. If not, that’s completely okay too.
You’ll still leave with valuable information, a fresh perspective, and a much better understanding of what’s possible. There is absolutely no obligation to purchase anything.
Is this relevant to my specific situation, or is it generic advice?
That’s a great question.
Every government employee’s situation is different. Your years of service, age, tax position, medical aid, leave days, financial goals and family circumstances all play a part in the decision you make.
That’s exactly why the Masterclass focuses on the principles, strategies and opportunities that every government employee should understand before deciding whether to retire or resign.
As you go through the Masterclass, you’ll naturally start recognising which parts apply to your own situation and which questions you should be asking.
Don’t just take our word for it. More than 16,300 government employees have registered for this Masterclass over the past five years.
You’ll find some of their testimonials on this page. If you’d like to watch more stories from government employees who’ve attended, we’ve put together a full Members’ Testimonials playlist that you can access here.
If, after the Masterclass, you’d like help applying what you’ve learned to your own circumstances, you can always book a personalised VIP Consultation.
If not, you’ll still leave with a far better understanding of your options than you had before.
I already have a financial advisor. Why would I need this?
That’s a great question.
Let me ask you something…
If you had a heart condition, would you only see your family doctor, or would you want to speak to a cardiologist?
Your family doctor is incredibly important, but when it comes to your heart, you’d probably want someone who deals with it every single day.
Retiring or resigning from the public service is much the same.
A financial advisor, financial planner or even a Certified Financial Planner® may be excellent at what they do. But government employees face unique pension fund rules, tax legislation and retirement decisions that require specialist knowledge and experience.
That’s exactly what this Masterclass is about.
We focus exclusively on helping government employees understand one of the biggest financial decisions they’ll ever make.
Whether you continue working with your current financial advisor, or simply use what you learn to make better decisions, that’s entirely up to you.
Our goal isn’t to replace your advisor.
It’s to make sure you understand the opportunities, risks and decisions that are unique to government employees, so you can have better conversations and make more informed choices.
Retirement Wellness SA, F104A, IZULU OFFICE PARK, REY’S PLACE, BALLITO, 4399, South Africa
Authorised Financial Service Provider FSP 31609
Copyright © Retirement Wellness SA
The Retire vs Resign Masterclass DOES NOT provide advice in terms of the General Code of Conduct and therefore you are not afforded the same protections in respect of those additional products or services that may apply in respect of the provision of financial products or services in terms of the Act.
Disclaimer: The guidance on ‘Retire or Resign’ decisions provided here is independent and not issued by or on behalf of the Government Employees Pension Fund (GEPF). We do not act on behalf of the GEPF.