Welcome to Divorcesmart ®

Divorce navigation.

There is a substantial amount of purpose and value that you add to your decision making when you put structure to the divorce process. The saying is true that if you do not measure you can’t manage.  

Divorce is not one dimensional, pun intended! But rather, there are 4 potential sinkholes during the divorce process that you can easily drown in if you are not careful. The Divorcesmart® process is built on four pillars of divorce planning, four pillars of financial planning and four pillars of your new life plan whatever you can dream of. And it looks like the picture above if you would like to add a bit of structure to it.  These pillars will not only get you through the process, but it will also build a great financial life after divorce and with that you get a smart life as a bonus.


We specialize in assisting clients with financial planning before divorce and also to claim their divorce pension benefits after divorce:

  • All private Pension and Provident funds and Retirment annuities.
  • GEPF - Government Employees Pension Fund
  • Post Office Retirement Fund
  • MIBFA - Metal Industries Benefit Fund Administrators
  • SASOL Retirement Fund
  • ESKOM Provident and Pension Fund - EPPF


We are happy to answer any financial inquiries and look forward to your visit or call. 

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

Government Employees Pension Fund and the clean break principal.

13/09/2017 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 has enabled a non-member spouse to receive their portion of the pension interest, as per the court’s decision, in cash or allows...

Correct Wording in your Divorce Order

27/08/2017 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...

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...

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...


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...

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...

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...