Government Employees Who Started Before March 1998: 3 Expensive Tax Mistakes to Avoid Before You Sign Anything

Free. 8 pages. No obligation.

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You've worked for your pension for decades. When you leave, you want to know you didn't pay a cent more tax than you had to.

Here's the problem. Many government employees have never seen their pre-98 tax-free amount. That's not your fault. Nobody showed you where to look.

Inside the free guide, you'll discover:

1. What the pre-98 tax-free benefit is, and why the rules changed on 1 March 1998.
2. How to work out your own pre-98 timeline, with a simple worked example.
3. Mistake #1: why so many government employees leave without using their pre-98 tax-free benefit, and what happens to the portion that isn't used.
4. Mistake #2: how the same benefit can affect the tax on your monthly income, not just your lump sum.
5. Mistake #3: why the size of your cash lump sum matters, and why tax paid on it can't be recovered once it's paid.

Who this guide is for: government employees who started work before 1 March 1998, whether you're planning to retire or to leave earlier. If you started after that date, these points won't apply to you, and we'd rather tell you now.

Who wrote it: Dhevan Naicker CFP®, a CERTIFIED FINANCIAL PLANNER® professional who has spent 20+ years helping government employees understand their pension before they decide. He started after watching his own dad, a government employee, lose over R500,000 because nobody explained his options. You'll also find more than 600 of his free videos on YouTube.

It's general information, in plain language. The decision always stays yours.