Erin White
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Articles by Erin White
10 advantages of a testamentary trust for minor and disabled beneficiaries
Estate planning is not only about deciding who should inherit your assets, but also about ensuring that the inheritance can be managed and used in a manner that genuinely supports the beneficiary after your death.
The family you have, the financial plan you need
When families come to see us, they seldom describe themselves in legal terms. They talk about the children they are raising, the former spouse to whom maintenance is paid, the stepchild they regard as their own, the parent whose medical expenses they cover, or the adult child who has not yet become financially independent.
Advice is the product: What independent financial planning should feel like
Many people delay meeting with a financial planner, not because they doubt the value of professional advice, but because they are worried about what may happen once they walk through the door. They fear that the meeting will begin with a few polite questions, move quickly towards a product presentation and end with pressure to sign an application form for an investment, policy or retirement product they do not fully understand and may not even need.
Retirement planning: The decisions that matter before, at and after retirement
Retirement planning has become increasingly technical. The introduction of the two-pot retirement system, changes to contribution limits and adjustments to retirement thresholds mean that investors need to understand not only how much they have accumulated, but how each component of their retirement savings can be accessed, taxed, and converted into income.
Retirement planning is not a tax strategy – it is a life strategy
For many South Africans, retirement planning begins and ends with the annual question of how much they can contribute to a retirement annuity, pension fund or provident fund in order to maximise their tax deduction. While tax efficiency is undoubtedly an important part of retirement planning, it is only one part of a much bigger picture.
The lesser-known biases that can quietly undermine investment decisions
Most investors are familiar with the more commonly discussed behavioural biases such as herding, overconfidence, confirmation bias and loss aversion. These are important because they are visible, easy to explain, and often easy to spot in practice. But, in our experience, some of the more damaging investment behaviours are less obvious, harder to identify and more difficult to challenge.
The steady work of creating wealth
Wealth creation is seldom the result of one grand financial decision, but rather the cumulative effect of small, consistent, well-considered choices made over many years. It is the ability to spend with intention, invest with purpose and discipline, protect against risk, and avoid decisions that quietly erode your long-term financial security.
Stuck in the middle: Planning when your children and parents both need you
There is a stage in life where many people expect to feel more financially settled. The children are older, careers have hopefully gained traction, the home loan may be reducing, and retirement planning is gathering momentum. Yet for many South Africans, this is precisely the point at which the financial pressure intensifies.
The real flex: Why quiet wealth beats conspicuous consumption
We live in a world that has become increasingly skilled at confusing appearance with achievement. Through carefully curated social media feeds, glossy advertising campaigns and the relentless messaging of consumer culture, we are taught to believe that success must be seen to be valid. The luxury vehicle, the designer handbag, the oversized home, the exotic holiday and the branded wardrobe are all held up as outward signs of having ‘made it’.
From patchwork to precision: When your financial portfolio loses its way
For many investors, wealth is not built through a single, deliberate strategy, but rather accumulated over time – one decision at a time, often under very different circumstances. A retirement annuity taken out early in your career. An education policy started when your first child was born. A preservation fund from a previous employer. CONTINUE READING BELOW A discretionary investment account opened during a period of surplus cash flow.
Living annuities decoded: Freedom, risk and the rules that matter
The moment you exit your retirement fund you’re confronted with a decision you’ve likely never practised making – converting a lifetime of savings into an income stream that has to sustain you for decades. This is a far-reaching financial decision because it shapes not only your monthly income, but also your investment flexibility, tax profile, and how efficiently your wealth will ultimately transfer one day.
The retirement date decision: Tax, timing and the right order of steps
Retiring from employment is not a single event, but rather a sequence of decisions that affects your cash flow, your tax outcomes, the structure of your retirement income, and the way your death benefits will be treated. When the sequence is wrong, we often see clients forced into avoidable tax, unnecessary product decisions, or a retirement income that is harder to sustain than it needed to be.
Where will you live when you stop working – and will it support the life you actually want?
Most pre-retirees approach retirement accommodation as a property decision: keep the family home, downsize, buy into a retirement village, or rent – whereas, in reality, it is a planning decision with long-term consequences. While we have seen clients make excellent choices that protect their independence for years, we have also seen avoidable mistakes that create stress, force a second move, or place unnecessary pressure on family members later on.
Financial planning beyond the individual: Managing wealth across generations
Over the past decade, a clear shift has occurred in the way families approach financial planning. More and more clients are choosing to involve their adult children – and, in some cases, even their grandchildren – in discussions that were once considered strictly private.
Investment fundamentals that outlast headlines
There is always a steady stream of investors looking to start – or restart – their investment journey. When working with clients, we often see how quickly investors can become overwhelmed by the sheer breadth of options available to them: unit trusts, ETFs, multi-asset funds, model portfolios, offshore exposure, platforms, wrappers, and endless performance tables. The danger is not a lack of choice, but too much focus on the wrong details.
Retirement on your own terms: A guide for the single retiree
While most of us tend to think of retirement as a joint financial planning process, the reality is that many people – whether as a result of death, divorce, or choosing to remain single – will ultimately need to plan for a single retirement. The unique circumstances and challenges faced by those retiring alone warrant careful attention, which we explore in this article.
The seven deadly sins of retirement planning: Lessons from the planning room
After decades of advising clients through the complexities of retirement planning, we have seen just how easily even the most diligent savers can go off course. Retirement planning is not a single decision or a once-off calculation, it is an ongoing process that requires disciplined review, careful modelling, and a clear understanding that the assumptions you make today will shape the quality of your retirement tomorrow.
When distance divides: Supporting ageing parents from afar
For many South African families, the story of retirement is no longer just about financial security – it’s about geography. Increasingly, we find ourselves advising retirees whose adult children have settled in other parts of the world. From Perth to London, Toronto to Auckland, our clients’ children are building lives elsewhere while their ageing parents remain here, often alone.
Retirement annuities: From tax deductions to the two-pot retirement system
As the end of the tax year approaches, there’s no better time to maximise your contributions towards a retirement annuity (RA). Whether you’re self-employed, earning irregular income, or simply looking to boost your retirement savings in a tax-efficient way, understanding how RAs work has never been more important – especially with the introduction of the two-pot retirement system in 2024. What is a retirement annuity?
The economics of celebration: Planning beyond December
As the year winds down, South Africans collectively exhale. As the noise of the year subsides, attention turns to family, tradition, and the joy of celebration. Yet this month of abundance often gives way to January’s reality – school fees, medical aid contributions, debit orders, and a fresh cycle of expenses. The goal, however, is not austerity but balance. A sound financial plan should allow you to enjoy the festive season without waking in January to regret, anxiety, or unnecessary debt.
The overlooked risks that can erode your retirement security
Retirement planning is often portrayed as a straightforward formula: save diligently, invest wisely, and enjoy the fruits of your labour. But the reality is more nuanced. Even the most carefully constructed retirement plan can be undermined by overlooked risks or unexpected life events. To retire with confidence, it’s important to identify the less obvious threats that could derail your financial security and to plan for them in advance.
When debt outlives you: What happens in a deceased estate
At death, a person’s liabilities are not erased but instead become part of the estate that must be wound up. For this reason, managing debt is integral to estate planning, as it determines how much will ultimately be available for heirs. Factors such as your estate’s solvency, your marital property regime, and the structure of your life cover all influence the outcome. In the sections that follow, we examine how debt is handled when a person dies and what this means for beneficiaries.
The long game: 20 principles every investor should live by
Wealth creation and preservation are not the result of chance or single moments of brilliance. They are built over decades through a set of disciplines that endure across market cycles, political regimes, and personal circumstances. For the investor who seeks not only to grow capital but to preserve it with integrity and purpose, these 20 principles provide a compass. They are not fads, nor are they theories that collapse when tested.
Balancing confidence and caution in investment decisions
At a financial planning convention I attended recently, one of the speakers remarked that the opposite of reckless overconfidence is not lack of confidence but dangerous inaction. That observation struck me because in my years as a financial planner, I have seen clients fall prey to both extremes.
Independent advice through integrated wealth planning - Why one-off fixes fail
As financial advisors, we are often approached by prospective clients seeking what they believe to be a straightforward, once-off solution. Requests may include drafting a will, arranging life cover, or investing a lump sum. On the surface, these appear to be simple tasks. In practice, however, they cannot be responsibly undertaken in isolation.
Lessons from the field: The most common financial mistakes clients make
In my almost fifteen years in the financial planning profession, I’ve had the privilege of sitting across the table from clients in very different life stages — young professionals taking their first financial steps, parents juggling competing responsibilities, and retirees planning their legacy. Despite the diversity of circumstances, I’ve noticed that certain mistakes come up again and again.
Living annuities unlocked: A practical guide to retirement income that lasts
When you retire from a pension, provident, preservation, or retirement annuity fund, South African legislation requires that at least two-thirds of your accumulated savings be used to purchase an annuity, which is essentially your income stream for the remainder of your life. For most people, this is one of the most important financial decisions they will ever make. It is often complex, sometimes overwhelming, and in many respects, irreversible.
Critical cover: Navigating your dread disease insurance choices
Taking out dread disease or severe illness cover is a significant step in your financial planning journey, yet it remains one of the most misunderstood types of insurance. Unlike life or disability insurance, dread disease cover provides a lump sum benefit should you be diagnosed with a specified critical illness or medical condition. Given its complexity and potential importance, it’s essential to understand what to look for and how to structure your cover appropriately.
Understanding Men Through Child Psychology
I've found that understanding men can sometimes be easier if you look at it through the lens of child psychology. It might sound strange at first, but digging into the psychological patterns that form during childhood can really shed light on adult behaviors. When I think about how we all develop, I remember the attachment theory. It says that our early relationships with our caregivers set the stage for how we form relationships later in life.
NJ Gov. suggests Port Authority could step in and stop congestion pricing
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Benefits of Resistance Training During Pregnancy
Back to Journals » International Journal of Women's Health » Volume 16 Authors Duchette C , Perera M , Arnett S, White E, Belcher E, Tinius R Received 2 February 2024 Accepted for publication 11 May 2024 Published 19 June 2024 Volume 2024:16 Pages 1137—1147 DOI https://doi.org/10.2147/IJWH.S462591 Checked for plagiarism Yes Review by Single anonymous peer review Peer reviewer comments 2 Editor who approved publication: Professor Elie Al-Chaer Cathryn Duchette,1 Madhawa Perera,2 Scott Arnett,2...
Police release bodycam footage after NYC Councilman Yusef Salaam said he was pulled over without reason
NEW YORK (1010 WINS/WCBS 880) — Days before the vetoed How Many Stops Act returns to the New York City Council floor, councilmember Yusef Salaam said that he was pulled over by police in Harlem without being provided a reason. In response, the NYPD released a statement and body-worn camera footage of the incident. In a statement describing the incident, the councilman canceled his NYPD ride along with Mayor Eric Adams that was scheduled for Saturday evening, and confirmed his support of the bill.
East Harlem man struck, killed while lying in roadway: police
NEW YORK (1010 WINS/WCBS 880) – An East Harlem man died after being run over by a Tesla while lying in the roadway, the NYPD said. On New Year’s Eve at about 4:34 p.m., police responded to a 911 call reporting a crash in front of 998 Third Avenue, in the 23rd Precinct. Officers discovered a 49-year-old man at the scene with severe head and torso trauma, police said. EMS rushed the victim to Mount Sinai Morningside, where he was pronounced dead, officials said.
2 cops, 7 others injured in police car crash on Staten Island
NEW YORK (1010 WINS/WCBS 880) – Two NYPD officers and seven others were injured in a fiery, multi-car collision on Staten Island after a police car crashed into an SUV on Saturday, police said. At about 7 p.m. in the Todt Hill neighborhood, police were driving on Richmond Road and Hunton Street when they crashed into a black SUV with six occupants, officials said. A black SUV was involved in a multi-car collision on Staten Island on Saturday that left two cops and seven others injured.
Would-be robber scared off by security while trying to steal religious statue from Manhattan church
NEW YORK (1010 WINS/WCBS 880) – The NYPD released photos Sunday of a man wanted for an attempted robbery of a religious statue from a Morningside Heights church last week. Police said that at 8:31 p.m. on Dec. 3, a man attempted to steal a religious statue located outside of The Cathedral Church of St. John the Divine, located at 1047 Amsterdam Avenue near West 112th Street. When the would-be robber noticed security in the building, he dropped the statue and ran, officials said.
Man, 66, punched in head while attacker made antisemitic insult in Manhattan
NEW YORK (1010 WINS/WCBS 880) – Police released photos Saturday of a suspect wanted in connection with a hate crime after a man, 66, was punched in the head while his attacker made an antisemitic comment, the NYPD said. At about 9:25 a.m. on Tuesday, a 66-year-old man was inside the Duane Reade at 17 John Street in the Financial District when he bumped into an unknown man leaving the store, officials said.
Amazon workers walk out of Queens warehouse, join nationwide movement of employees organizing
NEW YORK (1010 WINS/WCBS 880) – A group of 40 Amazon workers walked out of a warehouse in Queens Saturday morning. This move is the beginning of a warehouse strike, with the workers joining a nationwide movement of Amazon employees organizing. The 40 workers, of the 100 employed at warehouse DBK4 in Maspeth, Queens, walked out at 8:30 a.m. Saturday morning. Amazonians United DBK4 are striking against union-busting activities and for fair working conditions, organizers said.
Long Island Expressway crash injured 13, shut down eastbound lanes: FDNY
NEW YORK (1010 WINS/WCBS 880) – A Saturday morning multi-car crash on the Long Island Expressway injured 13 and temporarily shut down the eastbound lanes, the FDNY said. Emergency personnel responded to a call reporting a pileup collision on the eastbound LIE near Exit 32, or Little Neck Parkway, at 6:17 a.m. Saturday morning, the FDNY said. Six cars, including one tractor trailer, were caught up in the crash that injured 13 people.
Woman’s body found in Chelsea apartment building basement: police
NEW YORK (1010 WINS/WCBS 880) – The body of a woman was found in an apartment building basement in Chelsea Friday afternoon, the NYPD confirmed. Police responded to a 911 call at 540 West 28th Street, near 11th Ave., at 2:40 p.m. Friday. Authorities discovered an unresponsive woman in the building’s basement. Neither her identity nor demographic markers have been released. She was pronounced dead at the scene, officials said. The medical examiner’s office will determine the cause of death.
Intake center at John Jay College helps migrants apply for work permits, temporary protected status
1010WINS By Erin WhiteMack Rosenberg, 19 minutes ago NEW YORK (1010 WINS/WCBS 880) – A new intake center located at John Jay College of Criminal Justice in Manhattan aids migrants filling out paperwork for work permits and temporary protected status, and delivers the applications directly to the federal government to be considered for approval. The Asylum Seeker Help Center is the third of its kind in the city, providing space for migrants to receive help completing complex immigration forms.
Smoke shop worker attacked with wrench in NYC robbery spree
1010WINS By Erin White, 3 hours ago NEW YORK (1010 WINS/WCBS 880) – Police released photos Wednesday of a man who is wanted in connection with multiple smoke shop robberies in the Bronx and Manhattan, including one in which a worker was attacked with a wrench. On the morning of Sept. 24 in the Melrose neighborhood of the Bronx, an unknown man went into a smoke shop at 3007 Third Ave., near East 155th Street, the NYPD said.
Huey Lewis rom-com musical 'The Heart of Rock and Roll' hits Broadway in the spring
NEW YORK (1010 WINS/WCBS 880) – Hit songs from ‘80s pop-rock sensation Huey Lewis and the News are making their way to the Broadway stage in “The Heart of Rock and Roll,” premiering next April. The “raucous rom-com” follows “A couple of thirty-somethings who know exactly what they want from life—until they find each other.
Titan announce new hires among Hockey Operations staff
Titan announce new hires among Hockey Operations staff The Acadie-Bathurst Titan is pleased to announce new hires among our hockey operations staff, as we welcome Assistant Coach, Dylan Beston and Equipment Manager, Jordan Stene. Beston spent the past two seasons in the Alberta Junior Hockey League. He was the associate coach and assistant general manager in 2021-22 with the Drayton Valley Thunder. Beston went on to undertake an assistant coach position in 2022-23 with the Sherwood Park Crusaders.
MyMichigan Health: Living well with diabetes Original
These four times are at initial diagnosis; once a year to assess education, lifestyle and emotional needs; when new factors such as a change in health, emotional factors or mobility make it difficult to manage diabetes; or when a patient experiences changes such as a new living situation, a hospitalization or changes in medication or insurance coverage. Q. What can a diabetes educator do for patients with diabetes? A.
Op-ed: Read, even if you don’t have to
Op-ed: Read, even if you don’t have to Wednesday, August 7, 2019 - 6:35pm I remember my early childhood as the stack of picture books my parents read to my brother and me each night before we went to bed. My consistent reading habits were rooted in these bedtime stories and grew throughout my primary school experience. I would take bi-weekly library trips with my mom that would result in her cutting the stack of eight novels I brought up to checkout to four.
Resilient Management, An Excerpt
A note from the editors: We’re pleased to share an excerpt from Chapter 2 (“Grow Your Teammates”) of Lara Hogan’s Resilient Management, from A Book Apart. In Tuckman’s Stages of Group Development, the Storming stage happens as a group begins to figure out how to work together. Previously, each person had been doing their own thing as individuals, so necessarily a few things need to be ironed out: how to collaborate, how to hit goals, how to determine priorities.
Op-ed: Pride isn’t a brand
Op-ed: Pride isn’t a brand Wednesday, June 5, 2019 - 5:53pm It’s officially June, which means two things: The Peony Garden in Nichols Arboretum is due to bloom any day, and it’s time to celebrate Pride. LGBTQ+ Pride month has gone through many evolutions since its origins in New York in 1970, where the first Pride was held to commemorate a year since the Stonewall riots.
Trans-inclusive Design
Late one night a few years ago, a panicked professor emailed me: “My transgender student’s legal name is showing on our online discussion board. How can I keep him from being outed to his classmates?” Short story: we couldn’t. The professor created an offline workaround with the student. Years later this problem persists not just in campus systems, but in many systems we use every day. Article Continues Below To anyone who’d call that an unusual situation, it’s not.
"Gender-Inclusive Library Workgroup Report" by Erin White, Donna E. Coghill et al.
Home > VCU Libraries > VCU Libraries Task Force Reports > 1 Authors Erin White, Virginia Commonwealth UniversityFollow Donna E. Coghill, Virginia Commonwealth University M.
Erin White: Growing into sexuality
Growing up is hard. Everyone remembers feeling awkward, embarrassed and uncomfortable in middle and high school at least once or twice. The constant changes that puberty brings to your body, paired with a growing awareness of your own attraction and sexuality, makes it difficult to navigate healthy relationships and standards in your personal life. It’s even more difficult to understand these changes when so many of the topics that you are curious about are considered taboo or inappropriate.
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