Swemmer & Levin

Vredenburg & Velddrif: 022 713 2221
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Saldanha & Langebaan: 022 714 2244
Ons het dit almal al in films en romans gesien: ’n jong, niksvermoedende persoon word eendag wakker om uit te vind dat hulle ’n buitengewone groot boedel geërf het van ’n verlangse familielid wat hulle skaars geweet het bestaan. Ons skryf dit toe aan ’n absurditeit. So iets sou nooit in die regte lewe kon gebeur nie, sou dit?

Alhoewel dit vergesog lyk, vind intestate opvolging baie meer gereeld plaas as wat ‘n mens sou dink. Statistieke van die Meester van die Hooggeregshof het in September 2019 getoon dat 70% van die werkende Suid-Afrikaners nie ’n testament (of ter aanvulling, ‘n boedelplan) het nie. Afgesien van die emosionele nood wat deur die dood van ’n geliefde veroorsaak word, is die gesinne van hierdie Suid-Afrikaners in vir ‘n rowwe tydperk indien diegene sou sterf.

As iemand ouer as 16 jaar sterf, sal hul eiendom volgens ’n testament of boedelplan uitgedeel word. As daar geen testament ter sprake is nie, word die boedel van die oorledene ooreenkomstig volgens die Wet op Intestate Erfopvolging 81 van 1987 uitgedeel.

In baie opsigte is intestate opvolging ’n ingewikkelde en onnodige komplikasie in die verdeling van ’n boedel na die dood. Alhoewel dit ’n duidelike uiteensetting is van wie by die verdeling van die boedel opgeneem is, laat die Wet op Intestate Erfopvolging baie van die manier waarop die verdeling en oordrag van die boedel aan die erflike partye oorgedra word, uit.

In die geval van intestate opvolging, word die boedel van die oorledene volgens ’n voorafbepaalde opeenvolging uitgedeel, wat gewoonlik hul eggenoot, kinders en/of ouers insluit. Intestate opvolging kan tot prosedures lei wat tyd, geld en energie in beslag neem, wat luukshede is vir diegene wat treur en die boedel afreken.

Daar moet in gedagte gehou word dat die grootste deel van enige boedel, dikwels vaste en private eiendom is. Sonder ’n plan vir die verdeling van die boedel, sal die fisiese eiendom van die oorledene ook deel word van ’n plan vir verspreiding, wat baie lank kan neem om te vereffen (aangesien die toekenning van ’n geldwaarde van die fisiese bates van waardasie afhang).

Wat die verdeling van die boedel betref, val dit op die skouers van die erfgename van die boedel om iemand te nomineer om as eksekuteur op te tree, anders sal ’n eksekuteur deur die Meester van die Hooggeregshof aangestel word. Om hierdie rede, is gesinsgeskille ’n alledaagse opvolging van intestate gevolge, aangesien die billike verdeling van die boedel ter sprake kom.

Dikwels is daar baie min likiditeit in die boedel om skuld en belasting te dek wat verband hou met die eiendom wat geërf moet word. Aangesien die meeste vaste en private eiendomme nie ’n onmiddellike geldwaarde het nie, word enige moontlike likiditeit in hierdie bates opgesluit totdat die eksekuteur ’n besluit neem oor hoe die eiendom bestuur moet word.

Om ’n testament te hê is een ding, maar boedelbeplanning strek verder as ’n blote testament, deurdat dit rigting gee vir die bestuur van die boedel ter voorbereiding van u afsterwe. Waar ’n testament slegs ’n aanduiding gee van hoe die bates versprei moet word, sal ’n volledige boedelplan leiding gee oor hoe geld onmiddellik beskikbaar gestel moet word aan diegene wat dit benodig, en hoe beleggings en finansiële bates bestuur moet word.

Kwessies oor bewaring, afhandeling van skuld, die voortsetting van skoolgeld en die bestuur van digitale bates, onder baie ander dringende aangeleenthede, kan ook deur ’n goed-ontwikkelde boedelplan vereenvoudig word.

Die doel van ’n boedelplan is dan om die bestuur van u bates op ’n manier te begelei wat ’n testament nie kan doen nie. Goeie boedelbeplanning kan die prosesse wat so lank duur by die uitvoering van ’n testament bespoedig en bestaan uit ’n holistiese strategie om te verseker dat u geliefdes na u afsterwe versorg word.

In die geval van boedelbeplanning, geld die spreekwoord: as jy versuim om te beplan, beplan jy om te misluk. Moenie u afhanklikes in ’n kwesbare posisie agterlaat terwyl hulle treur nie. In plaas daarvan, gee vir hulle die beste kans om die lewe te leef waarvoor jy nog altyd gehoop het.
Verwysings:

Hierdie artikel is ‘n algemene inligtingsblad en moet nie as professionele advies gebruik word nie. Geen aanspreeklikheid kan aanvaar word vir enige foute of weglatings, of vir enige verlies of skade wat spruit uit die vertroue op enige inligting hierin nie. Kontak altyd u adviseur vir spesifieke en gedetailleerde advies. Foute en weglatings is uitgesonder (E&OE).

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Jan Fourie

Director |  Attorney, Notary & Conveyancer | BA. LLB

Jan graduated in 1974 with a five-year BA LLB degree from the University of Stellenbosch, whereafter he was admitted as an advocate and prosecuted as such in the Cape Town and Wynberg Courts. In 1974, he joined Swemmer & Levin as the Candidate Attorney of Mr Levin (founding member) and was admitted as an attorney on 7 April 1976, as a conveyancer on 11 January 1978, and as a Notary on 19 December 1984. Since 1974, he has served in various committees, including the West Coast Chamber of Commerce, the Vredenburg School Committee, and the Malgas Lions Club. 

Furthermore, Jan was the author of the first bilingual law book, The New Debt Collecting Procedures (Die Nuwe Skuldinvorderingsprosedures), which was used by all the Magistrate Courts throughout South Africa. With the founding of the Small Claims Court in Vredenburg, Jan served as one of the first Commissioners. He is currently based at Swemmer & Levin’s Vredenburg office and has been with our firm for more than 47 years.

Pieter Smit

Director | Attorney & Conveyancer | BA. LLB

Pieter obtained his BA Law degree from Stellenbosch University in 1995 and his LLB degree from the North-West University in Potchefstroom in 1998. He served his articles at Marais Muller Attorneys from 1998 to 1999 and was admitted as an attorney in 2000 and as a conveyancer in 2002. Pieter is the founder of PP Smit Attorneys, which opened its doors in 2004. He also became a director of Swemmer & Levin in 2006. Pieter loves the outdoors and participating in all forms of sport, including tennis, golf, fishing, spearfishing, scuba diving, and hiking. 

Johann Maree

Director | Attorney | BA. LLB

Johann matriculated at Oudtshoorn High School and attended Stellenbosch University, where he obtained his BA Law and LLB degrees. Following his studies, he worked for three years as State Prosecutor at the Magistrate’s Court in Cape Town. Johann completed his legal training with the State Attorney in Pretoria and then moved to his hometown, Oudtshoorn, where he worked as a lawyer for a year. In 1983, he finally moved to Vredenburg and joined Swemmer & Levin, where he is still practising as a director. When he is not in the office, Johann enjoys cycling and in his earlier days, he used to be a long-distance junkie.

Richard Phillips

Director | Attorney | Bcom & BProc

After matriculating at Paarl Boys’ High School, Richard completed his BCom and BProc degrees at the University of Port Elizabeth. He served his articles with Van Wyk Fouchee in Paarl and quickly developed an affinity for litigation. Richard has always had a deep love for the ocean and when he was presented with an opportunity to join Swemmer & Levin on the West Coast, he agreed without hesitation and has been with our firm since 1997. Richard specialises in general litigation and divorces. When he is not in the office or with his family, he tries to spend as much time as possible in or on the water.

Jandré Smith

Director | Attorney | LLB

Jandré grew up and matriculated in the small Klein Karoo town of Oudtshoorn. He furthered his studies at the North-West University in Potchefstroom, obtaining his LLB degree during 2015. He completed his articles at Swemmer & Levin in 2017 and was subsequently appointed as a professional assistant. In 2020, Jandré was promoted to the position of director at the firm, where he practises in the Litigation department at our Langebaan office. When not practising law, Jandré is an avid sports fan. He has a passion for nature and enjoys camping, trail running, and mountain biking with his family.

Andre van der Walt

Director | Attorney | LLB

Andre graduated in 2015 with an LLB degree from the University of Pretoria. He later went on to obtain his NQF 7 Certificate in the Administration of Deceased Estates from the University of South Africa, which allowed him to further his career in deceased estates and the drafting of wills and trusts. Andre served his articles at Barnard & Patel Attorneys under the supervision of Mr YAS Patel. After being admitted as an attorney in 2016, he continued working at Barnard & Patel Attorneys as a professional assistant in the deceased estates department.

Andre joined Van Rensburg Attorneys in 2019 and was head of the deceased estates department until 2021. He then received the opportunity to move to the West Coast, where he joined Swemmer & Levin Attorneys. Andre loves travelling and enjoys the beauty that our country has to offer with his friends, family, and loved ones.

Harmann Potgieter

Attorney | LLB

Harmann graduated in 2018 with an LLB degree from the North-West University’s Potchefstroom Campus. He went on to study and grow in various fields, including doing a course on the Consumer Protection Act and a course at the University of South Africa where he obtained his NQF 7 Certificate in the Administration of Deceased Estates.

Harmann completed his articles of clerkship at Swemmer & Levin under the supervision of Mr Richard Phillips. After being admitted as an attorney in 2020, Harmann continued with Swemmer & Levin as a professional assistant in the deceased estates department as well as the litigation department. He loves to study, possesses a deep curiosity about the world, and is dedicated to giving back to the community.

Carla Cloete

Attorney, Conveyancer & Notary | LLB

Carla obtained her LLB at the North West University, Potchefstroom Campus in 2015. She completed her articles in 2017 with Brits Dreyer Inc in Bellville. She is an admitted Attorney, Notary and Conveyancer. After her articles she relocated to Kimberley where she worked as a professional assistant in the Conveyancing department of Van de Wall Inc. Coming back to her Western Cape roots, she now joins the Swemmer & Levin team as a professional assistant.