Navigating life's Pivotal Moments Together
- Getting Married
- Divorced
Welcome to
Wealth-Her Podcast
Why we created Carrick Athena
Pivotal Life moments and their financial repercussions.
Managing money during life’s pivotal moments and giving you the pen to write your own story.
These podcasts are aimed at showing women that they are the Wealth they have been waiting for.
Yes… let’s talk about finance, but make it personal.
Yes… let’s talk about finance, but make it powerful
Managing money during life’s major shifts may not seem intuitive so we are stepping in to reframe, and make your financial empowerment a source of pride, not pressure.
Seanagh Fannin
Founder and Managing Director of Carrick Athena
Welcome to Wealth her Podcast
Why we created Carrick Athena
Pivotal Life moments and their financial repercussions.
Managing money during life’s pivotal moments and giving you the pen to write your own story.
These podcasts are aimed at showing women that they are the Wealth they have been waiting for.
Yes… let’s talk about finance, but make it personal.
Yes… let’s talk about finance, but make it powerful
Managing money during life’s major shifts may not seem intuitive so we are stepping in to reframe, and make your financial empowerment a source of pride, not pressure.
Seanagh Fannin
Founder and Managing Director of Carrick Athena
Introducing our divorce expert – Hannah Wilson
Why did we ask Hannah Wilson to join us as our Divorce Expert
This episode introduces Hannah Wilson. Hannah explains the way she breaks down this huge subject of Divorce into “bite- sized chunks”. So that instead of feeling blindsided, you understand how to consider a divorce settlement which will form the foundation for the future. If you are getting married and want to understand more about the contract of marriage this is also a great place to start
Why are we doing podcasts on divorce
Divorce proof your marriage
This episode explains how we have split up this huge subject and how to navigate your way through the various podcasts. We have seen how Divorce can completely blindside our clients. And how women looking to get married don’t understand the full impact of the marital regime that they marry into. So we decided to create these podcasts, to better prepare all parties in terms of marriage and possibly divorce should this occur. It is a huge topic and so we have decided to break this down into small snippets so you can access the information you want.
Getting Married?
Divorce proof your marriage:
I am getting married. What do I need to know?
I am about to get married. What do I need to know? 7 things you should know before you get married. This podcast looks to unpack how to live with in the parameters of your marriage and have a seat at the financial decision making table. 74% of women die single so understanding how getting married is going to influence this is so important.
Conversations about money
How to ask my hubby about money and why I should care
74% of women die single. Have a seat at the family financial decision making table
How do I find out what is happening with the family finances so that I know where I stand. How do I make sure that we as a couple, (or just me on my own,) have sufficient savings. In this episode we talk about the rule of 50% / 30%/ 20% and an emergency fund.
Marital Regimes
Married in love but divorced financially? This series walks you through all the hidden obstacles.Â
I'm getting divorced! How much do I get?
I am getting divorced! Where do I start?
This episode looks at unwinding the partnership of marriage. It focuses specifically on the unwinding of the financial partnership and understanding that this applies to 3 areas: Division of assets; Possible Child maintenance; Possible Spousal Maintenance.
Division of assets
Who gets what in divorce.
How assets in a marriage are divided on death or divorce
An extremely important episode: How are the assets in a marriage split up, or “Who gets what” starts with which country’s law applied at the day of marriage. Do not just assume this is South Africa. This episode unpacks why and subsequently which marital regime will apply for your marriage. This is an important episode in understanding the division of assets be it through divorce or on the passing of your significant other.
Married in Community of Property
How am I married: In Community of Property
The default marital regime in SA and its implications on divorce and inheritance
Married in Community of Property: What does this mean, what are the implications of being married under this regime for death or divorce and how do you specifically opt out of this regime. We also discuss how to handle the receiving inheritance whilst married under this regime and why the necessary ringfencing of this is so important.
Married Out of Community of Property with Accrual - Part One
One of the most common marital regimes: “The I owe you”
Married out of Community of Property with accrual. Part 1 What does this mean, what the implications of this are. How do you specifically select this when getting married. Why would you chose this. And of course, how does this affect you when you get divorced. Part 2 is a separate podcast which looks specifically at how to calculate the accrual claim.
Married Out of Community of Property with Accrual - Part Two
The Accrual Claim and how to calculate it
This is part two to our podcast “Married out of Community of Property with accrual”. We break down the very simple application of the accrual claim. But then also look at what might be excluded from this claim like inheritance and donations between spouses.
Married Out of Community of Property without Accrual
Out and Out. Probably the cleanest and clearest regime
Married out of community of property and without accrual. The simplest of the marital regimes. This episode explores what the parameters are around this regime and possible elements that one should consider that might be relevant in divorce, like what happens in the case of purchasing a joint property. We also touch on Loans to Discretionary Trusts and how this affects your personal estate in a divorce.
Childs Maintenance
How much do our kids cost and who contributes to this.
How do you calculate how much each parent is going to be contributing to these costs in the post divorce world. We talk about reasonable maintenance requirements and how to consider calculating these actual costs. And finally how each parent is going to contribute proportionality in terms of each parents financial means.
Spousal maintenance
How much am I entitled to request for spousal maintenance
Its a balance between an established need vs the ability to finance that need
So often clients advise that they are entitled to maintenace. This episode looks to unpack what is spousal maintenance and under which circumstances this will be granted by the court. It touches on the fact that spousal maintenance can be revisited. From a finance perspective its where you start to look at lump sum payouts and should consider the advice of a Wealth specialist to help you calculate this as this may very well be a better choice in the long run.
Not married but long term partner
I’m not married but have a long term partner. What rights do I have
What are the consequences of a long term relationship ending. Are there any rights
You always anticpated being together but neither of you wanted to get married. Unfortunately the relationship has ended but you bought a house together – surely you have rights here? This episode explores all of these parameters. What agreements should you have in place
Trusts and how do they work
You’re getting divorced. What about the Family Trust.
How do Trusts work. And how is the loan considered when going through a divorce. (A side note here, there are many aspects to Trusts which can get quite involved and we have decided to rather invite you to engage with us if you have particular questions regarding your Trust rather than deal with this in a podcast)
Widowhood
Your voice is powerful, and so is your story.
How to wrap up an estate
In this podcast, Seanagh Fannin is joined by Leslie Swart, a fiduciary specialist. Leslie and I look at how to wrap up an estate efficiently and effectively, taking into account all the very important aspects that need to be considered. …watch here
Real Life Stories
Your voice is powerful, and so is your story.
Longest underwater ice swim
In this special episode, we are joined by Amber Fillary, the current world record holder for the longest underwater ice swim with just a single breath held in both the male and female categories. To achieve this record, Amber swam 110 meters under 34 centimeters of ice in sub-zero temperatures…watch here
I lost everything - Michelles Story
Michelle was married to a mutli-billionaire and lost everything
How not knowing about the family finances can cost you everything
This is a very powerful, but sad story about the devastating impacts of not knowing how you are married and how it will affect you on death. Its the reason building financial structures and understanding how they work, are so very important. Its the reason why having a seat at the family financial decision making table is so important. Its the reason why perhaps not assuming your husband has it all under control is better. At the end of the day it is your life and you are the only one responsible for it.
Trust and how they work - A Story about Rebecca
Why are Trusts so expensive in running
I meet so many clients who hold Trusts and they are not aware of how they work and why they are SO expensive. There are so many better structures to use. This podcasts looks at how Trusts work and see if you are actually protecting and achieving what you set out to do
Trust and leaving wealth to children who live abroad
Why this doesn’t work anymore
This law was changed in 2024. This podcast speaks to how children who no longer live in SA will be taxed in the Hands of the Trust. Many of my clients in this situation don’t seem to be aware of this change and how extremely expensive this has become
Your Will – take a listen
Until Death do us part
A story about why you MUST update your Will
A story about what happens when you don’t update your Will and when you don’t know the implications of how you are married. And the devastating effect this can have on your life
My Husband and I didn’t save enough
Peggy and her husband who didn’t save enough
Peggy thought she had, but never checked until it was too late
A story about Peggy whose husband (A lawyer) had promised her throughout their marriage that there would be enough on retirement for both of them. She discovered far too late that her husband simply didn’t understand anything about finance and clearly had not save enough.
Financial Freedom
Things you ought to know
How to consider investments
In this episode, we start chatting about investments. It’s important to understand what you are trying to achieve from an investment. This may seem quite logical but there are some very real and important elements that one wants to take into consideration when looking at an investment and assessing the best one for you…watch here
Financial Freedom? Are your investments really generating growth...are you sure?
If you aren’t invested offshore its unlikely your investments are even breaking even
This podcast looks to explore financial freedom and how to get there. It unpacks investments their power, how to use them and how to consider them. It explains more importantly why having funds offshore is no longer just a choice it is imperative. It talks about the 3 things that will always chip away at your wealth if you have not taken it into account: Rand Depreciation, Taxation and the effects of inflation. And it explains why your wealth advisor needs to be someone who is carefully and meticulously putting this plan together for you and your very specific circumstances.
Why we invest differently to men
Are you truly planning, or just throwing a coin in a wishing well and hoping you get lucky? Welcome to The Wealthy-Her Podcast. A podcast designed to ignite inspiration and empowerment and promote a sense of community among women seeking financial and professional fulfillment…watch here
Get in Touch
Our team of Private Wealth Managers is here to guide you through your investment journey with expert advice and unrivalled experience. We believe in building strong relationships with our clients and partners. As a result, we are consistently ranked among the top advisory firms in South Africa, and are able to provide an unmatched offshore investment offering through our global partners.