Welcome to Divorcesmart ®™

Divorcesmart offers assistance with divorce planning and we have many years of experience in financial planning before, during and after divorce, dedicated to fulfilling all your financial requests. We strive to be the best in our field and be readily available to meet your financial needs.


Our goals involve providing you with professional service, answering all your financial questions, and helping you find cost- effective solutions to reach your financial goals.


At Divorcesmart we understand that each client is unique and we continuously strive to meet their interests. All individual clients that turn to us, we are always looking to provide them with optimal economic success and financial security.


Our fully licensed staff meets all legal requirements to act as an independent  financial advisers on all financial planning and mediation issues. Consulting in private financial affairs, dispensing business-related advice, and administering statutory and voluntary administration of pension claims are other important activities we perform.

We specialize in assisting clients to claim from :


We are happy to answer any financial inquiries and look forward to your visit or call. Our offices are located at 14 Spruce Street, Bryanston ext 3, Johannesburg.

Finsmart Asset Manangement (Pty) Ltd - FSP 44557

We are registered as a financial services provider with the FSB with the required licences to give advice and offer intermediary services.

Goverment Employee Pension Claims

Tax implications on GEPF Divorce Claims

07/04/2016 15:48
Divorce Orders date after the 1st of March 2012:   No tax will be payable on any amount that becomes payable on or after 1 March 2012 in terms of a divorce order that was issued before 13 September 2007.   Divorce Orders date after the 1st of March 2012:   If an amount becomes...

Government Employees Pension Fund and the clean break principal.

26/03/2016 07:42
  The Government Employees Pension Fund (GEPF) has  introduced a rule amendment to their fund introducing the clean break principle on 1 April 2012. The rule amendment will enable a non-member spouse to receive their portion of the pension interest, as per the court’s decision, in cash or...

Legal - Post Office Retirement Fund

27/08/2015 12:09
    Ngewu and Another V Post Office Retirement Fund and Others [2013] 1 BPLR 1 (CC) GavinStansfield, Director, Employment, Cliffe Dekker HofmeyrIn the decision of Ngewu and another v Post Office Retirement Fund and others [2013] 1 BPLR 1 (CC), the Constitutional Court had to...

GEPF - for our Zulu Readers

08/08/2015 00:00
Inkokhelo yenzuzo yempesheni yesihlukaniso somshado noma ukuqedwa komshado wesintu ngokomthetho wenkantolo.   Ngonyaka ka 2011 Inkantolo Ephakeme yaseKapa ikhiphe umthetho ophonsela inselelo isiKhwama seMpesheni yaBasebenzi bakaHulumeni (phecelezi Government Employees Fund) ngokungalandeli...


24/04/2015 18:09
The Constitutional Court's earlier ruling that the GEPF rules, as they relate to the clean-break principle, is read-into the Post Office Act, 1958 came into effect on 7 November 2013. To amend the South African Post Office SOC Ltd Act, 2011; so as to update and transfer pension-related provisions...

Correct Wording in your Divorce Order

27/02/2015 00:00
Suggested Wording: It is ordered that the  Defendant's Members Pension Interest held at the Government Employees Pension Fund be endorsed by the administrators of such Pension Fund or its successor in title to the effect that the court has ordered a division of the joint estate subsisting...


Smart Tips

07/04/2017 00:00
Two in three marriages today end up in the divorce courts and 50% of the couples cite finances as...


25/10/2016 11:21
Shoesjef is finally available!  Pick up your latest copy of Sarie Magazine™ in a Woolworths™...

What percentage should I claim from my spouses pension fund?

01/04/2016 17:05
  If you are married ANC with the accrual system, then it is easy to assume that you can claim...

Which one first?

28/12/2015 16:07
Which one first, divorce lawyer or financial advisor?    Get a Specialist Divorce...

Pensioen Eise 101

25/03/2015 19:08
Vraag:  Ek is Buite gemeenskap van goedere met die Aanwas Bedeling getroud.  Ons is tans...

Life and Death Financial Decisions

21/02/2015 14:55
Should your ex-spouse die will you receive your maintenance? Should your ex-spouse pay you...


06/08/2013 21:36
  Maintenance for children   We were recently faced with an interesting question: where...