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Next month two people you know are going to file their tax returns in the same week. One files smiling. The other opens a letter from SARS and feels their stomach drop. Same income, same tax laws, completely different outcome. The difference is not how much they earn. It is whether someone showed them how to use their retirement annuity properly before the year closed. The year you are about to file for is already closed, but this one is still open, and what you do now decides which of those two people you are next year. I am Zola Ngqisha, co-founder of Siyolise BlueStar, a premier financial advisory practice focused on serving the needs of black professionals, business owners, and entrepreneurs throughout South Africa and those working abroad, with more than fifteen years of experience in the financial planning industry. If you need help to maximize your allowable tax deduction by contributing into a retirement annuity, send me a DM or WhatsApp my office using the number in my bio. We will help you do the numbers instead of guessing, and make sure your RA is optimized for maximum growth over the long term. #taxseason #sars #taxrefund #retirementannuity #retirementplanning