Welcome to the Ginsburg Financial Services Blog site!

Mitzie is accredited with most Life Assurance Companies as well as Medical Schemes in SA to give advice on their products. She has been playing an important role in the industry for approximately 23 years and have received many awards for her time spent actively participating in the field.

Click on the links below to find out more about financial information, medical aid and keep up to date with what you need to do for your will and testaments.

Join Vitality – Exciting special offer

Vitality special offer: 01 July 2018 to 31 August 2018. The overall period for which the special offer is valid. The special offer is valid from 01 July 2018 to 31 August 2018 and open to members who: Special offer terms and conditions for existing Vitality members 2. Existing Vitality members are only eligible for the discounted gym activation fee special offer.

read more


Each industry has its own distinctive way of talking. In banking you use terms which people who work in the industry, understand. But people outside of the industry struggle to understand the ins and outs of the banking world.

read more

Planning to be a parent?

With the spotlight on youth this month, you may be among those thinking about a visit from the stork. If so, here’s your financial to-do list.
Expectant parents and those planning a family may have started visualising their future bundle of joy. But while a new baby will capture your heart, it’ll also capture a fair portion of your family budget! Pregnancy and parenting involve many hidden costs, warns Danelle van Heerde, Head of Advice Processes and Tools at SPF.

read more

Trust in trusts can evaporate on divorce

Trusts are frequently used (and abused) by spouses as a vehicle into which they transfer their assets, using the trust for their own benefit and not for the benefit of third parties (the beneficiaries). There have been a number of court judgments where it was held that one of the factors a court may consider is when certain substantial assets were held in trust by one of the parties who used the trust as his/her “alter ego”.

read more

OPINION: Why Sars targets ‘connected persons’ in relation to a trust

The SA Revenue Service (Sars) attempts to limit the abuse of trusts as a means of tax evasion by individuals. Sars identifies persons and entities that are closely connected to the beneficiaries of the trust – especially where income and capital gains have been transferred to such persons and entities – since the beneficiaries are the parties who will directly benefit from all income and capital gains accrued in the trust.

read more