iHawu Wealth Management

Comprehensive Financial Services Tailored to You

At Trinity Business Solutions, we provide a wide range of services to cater to both individuals and businesses.
Our expert team combines strategic thinking with cutting-edge financial tools to deliver solutions that empower you to achieve long-term success.


Tax Consulting

Our tax consulting services are designed to help individuals, businesses, and corporations navigate the complexities of the South African tax system.
We offer tailored advice and strategic planning that minimizes your tax burden while ensuring compliance with SARS regulations.



Tax Services Include - Tax Planing

We focus on proactive and strategic planning to ensure you are always positioned to benefit from the best tax-saving opportunities.


Comprehensive Review

We analyze your current tax situation and develop strategies to legally minimize your tax obligations, whether personal or corporate.

Year-Round Advisory

Tax planning is not just for the tax season. We work with you throughout the year to keep your tax strategy aligned with any life or business changes.

Optimized Structures

Our experts create tax-efficient investment structures, business formations, and retirement strategies to help optimize your overall financial position.


Tax Compliance

Staying compliant with SARS requirements is critical for avoiding penalties and maintaining your business’s good standing.


Return Preparation and Submission

We handle the preparation and submission of your tax returns, including individual, corporate, and provisional returns, ensuring all filings are accurate and timely.

VAT (Value Added Tax) Compliance

From registration to monthly or bi-monthly VAT submissions, we ensure compliance with VAT regulations and help you recover input VAT where applicable.

PAYE (Pay As You Earn)

We manage the submission of employee payroll taxes, making sure your business remains compliant with payroll tax regulations and deadlines.

CGT (Capital Gains Tax)

We provide assistance with calculating and submitting CGT on the sale of property, shares, or other assets, ensuring correct reporting and potential reliefs are claimed.


Tax Audits and Dispute Resolution

Navigating SARS audits or disputes can be stressful; we are here to protect your rights and guide you through the process.


Audit Preparation

We help you prepare all necessary documentation and provide support during SARS audits to ensure the audit process goes smoothly.

Representation

Our tax experts represent you during the audit process, communicating with SARS on your behalf to safeguard your interests and ensure compliance is maintained.

Dispute Resolution

If you’re facing tax disputes or disagreements with SARS, we provide strategic advice and support to resolve the issue efficiently, including negotiating settlements where necessary.


Corporate Tax Services

Businesses, from small to large corporations, need careful planning to stay tax-efficient and compliant.


Comprehensive Tax Services

We offer corporate tax planning, return preparation, and assistance with provisions and deferred tax calculations, ensuring your financial statements are tax-compliant.

Mergers & Acquisitions

We provide tax guidance during mergers, acquisitions, or business restructuring to ensure the process is as tax-efficient as possible and to minimize any potential tax burdens.

Tax Risk Management

Identifying and managing tax risks is essential for corporate entities, and we help you mitigate these risks through diligent tax planning and compliance.


Estate and Trust Taxation

Effective estate planning requires careful tax management to protect your wealth and ensure its smooth transfer to your beneficiaries.


Estate Tax Planning

We offer advice on minimizing estate duty and efficiently structuring your estate to reduce tax liabilities upon death.

Trust Management

Our team handles the preparation and submission of trust tax returns, ensuring that trustees remain compliant while safeguarding the interests of beneficiaries.

Inheritance Tax Advisory

We provide guidance on inheritance tax implications, helping you structure your estate in a way that maximizes the benefits for your heirs.


International Taxation

We help you manage your international tax obligations, ensuring compliance with cross-border regulations while minimizing tax burdens.


Cross-Border Taxation

For businesses and individuals with global interests, we offer advice on international tax matters, including Double Taxation Agreements (DTAs), transfer pricing regulations, and compliance.

Expatriate Tax Planning

If you're working abroad, our tax experts provide assistance in handling tax obligations in both your home and host countries, ensuring compliance with expatriate tax regulations.

Foreign Investments

We help you manage the tax implications of foreign income, offshore investments, and cross-border transactions, ensuring that your international operations remain tax-efficient.


Tax Clearance Certificates

A tax clearance certificate is often required for tenders, foreign investments, and emigration, and we ensure the process is handled smoothly.


Tax Compliance Check

We conduct a thorough review to ensure that your tax affairs are in order before applying for a Tax Clearance Certificate.

Application Assistance

We handle the submission of your application to SARS and follow up on the process to ensure a timely and efficient issuance of the certificate.

Multiple Purposes

Whether you need a Tax Clearance Certificate for tenders, emigration, or any other reason, we ensure compliance with all SARS requirements.


SARS Registration and Ongoing Compliance

We make sure you're registered for all relevant taxes and remain compliant with changing laws and regulations.


Tax Registration

We help individuals and businesses register with SARS for income tax, VAT, PAYE, and other necessary taxes.

Ongoing Compliance

We provide continuous tax management services to ensure you meet all tax deadlines, and we send regular reminders so that you never miss a filing.

Updates on Legislation

As tax laws evolve, we keep you informed of any changes that might impact your business or personal tax obligations.


Accounting Services

Our comprehensive accounting services are designed to help businesses maintain accurate and up-to-date financial records, allowing you to focus on what you do best—running your business. With a combination of expert support and cutting-edge technology, we provide the tools to ensure your financial health and compliance.



Monthly Bookkeeping

Proper bookkeeping forms the foundation of sound financial management. Our monthly bookkeeping services ensure your financial data is accurate, current, and in line with legal requirements.


Transaction Recording

We meticulously track all financial transactions, including income, expenses, and other activities, ensuring a complete and accurate record.

General Ledger Maintenance

Our team manages and updates your general ledgers, accounts payable, and accounts receivable so that you have a clear understanding of your business’s financial position at any time.

Monthly Reconciliations

To ensure accuracy, we perform regular reconciliations between your bank statements and financial records, catching discrepancies early to prevent issues down the line.

Real-Time
Access

You’ll have real-time access to your financial records, empowering you to make timely and informed decisions.


Financial Statement Preparation

Our financial statement preparation services help you understand and analyze your business’s financial health, enabling better decision-making and planning.


Essential Statements

We prepare key financial documents such as balance sheets, income statements (profit and loss), and cash flow statements, providing you with a complete picture of your financial performance.

Compliance-Ready Reporting

All financial statements are prepared in accordance with relevant accounting standards, ensuring compliance for audit purposes or financial institution requirements.

Data Interpretation

Beyond just preparing reports, we help you interpret the data, identifying trends and insights that guide business strategies and support operational decisions.

Customized Reports

We tailor reports to meet your specific needs, whether you're presenting financials to investors or reviewing the profitability of individual projects.


Payroll Management

Payroll can be complex, with various legal and tax implications.
We take the stress out of managing payroll, ensuring accurate and timely payments to your employees while maintaining compliance with local laws.


Payroll Processing

We manage the entire payroll process, including calculating employee wages, salaries, bonuses, and commissions, ensuring that all deductions are made correctly.

Compliance with Labor Laws

We ensure payroll tax calculations are compliant with South African labor laws, and that all statutory deductions (such as UIF, PAYE, and SDL) are handled efficiently.

Payslips & Statutory Returns

We issue digital or printed payslips to your employees and handle the submission of statutory returns (such as PAYE and UIF) to relevant authorities, ensuring you remain compliant with reporting deadlines.

Payroll Tax Optimization

We advise on optimizing payroll structures to reduce tax liabilities while ensuring employee satisfaction and adherence to regulations.


Budgeting and Forecasting

Financial planning is critical to the success of any business.
We help you create and maintain a comprehensive financial roadmap, ensuring that you meet both short-term and long-term objectives.


Detailed Budget Creation

We work with you to develop detailed budgets that reflect your business goals, including cost control, resource allocation, and profitability targets.

Compliance with Labor Laws

Our team provides cash flow forecasting to help you anticipate future cash needs, ensuring you can meet your financial obligations and avoid liquidity crises.

Ongoing Adjustments

We offer ongoing support to monitor and adjust budgets based on actual performance and changing business conditions, allowing you to stay agile in a dynamic market environment.

Performance Monitoring

By comparing budget forecasts with actual results, we help you track key financial metrics, making sure your business remains on course toward its financial goals.


Tax Accounting

Tax compliance is essential for any business,
and our tax accounting services ensure that your business meets all regulatory requirements while minimizing liabilities.


Tax Return Preparation

We handle the preparation and submission of your business tax returns, ensuring they are accurate and compliant with SARS regulations.

VAT Management

We assist with VAT registration, calculation, and timely submission of VAT returns, ensuring full compliance with VAT laws and minimizing the risk of penalties.

PAYE Submissions

Our team manages your PAYE submissions, making sure employee payroll taxes are calculated accurately and submitted on time.

Strategic Tax Planning

We provide strategic advice to optimize your tax position, helping to reduce liabilities while ensuring full compliance with all South African tax laws.

Tax Risk Management

We help you identify and manage potential tax risks that could impact your financial stability, ensuring you are always compliant with changing tax laws.


Audit Support

When it comes to external audits, preparation is key.
We assist you in compiling the necessary financial records, ensuring everything is in order to meet audit requirements.


Audit Preparation

We organize and prepare all required documentation, including financial statements and supporting documents, to ensure your business is audit-ready.

Internal Audits

We also conduct internal audits to identify potential weaknesses in your financial controls, helping you address issues before an external audit.

Audit Liaison

Our team acts as a liaison between your business and auditors, providing them with the necessary information and explanations to facilitate the audit process.

Post-Audit Support

After the audit, we help you implement any recommended changes, ensuring compliance with audit findings and improving future audit outcomes.

Continuous Compliance

Our audit support services help you maintain financial accuracy and compliance year-round, ensuring that future audits are smooth and stress-free.


Trinity Business Solutions

Business Administration Services

Our business administration services are designed to help you navigate the complex legal and regulatory landscape in South Africa, ensuring that your business remains compliant and operates smoothly. Whether you are starting a new business or managing an existing one, we provide the administrative support necessary for your company to thrive.



Tax Clearance Certificates

Obtaining a Tax Clearance Certificate (TCC) from the South African Revenue Service (SARS) is crucial for businesses looking to apply for tenders, secure funding, or engage in international trade.


Application Assistance

We guide you through the process of applying for a TCC, ensuring that all required documentation is in place to meet SARS requirements.

SARS Compliance Checks

We help ensure your tax accounts are fully compliant with SARS regulations, including the payment of all outstanding taxes, which is necessary to obtain a TCC.

TCC for Different Purposes

Whether you need a TCC for tenders, good standing, foreign investment, or emigration, we tailor the application process to suit your specific needs.


CIPC Company Registration

Starting a business in South Africa requires registering with the Companies and Intellectual Property Commission (CIPC).
We streamline the registration process, allowing you to focus on building your business.


Company Formation

We assist with registering your company with CIPC, ensuring that all required documentation is submitted and approved.

Name Reservation

We handle the process of reserving your company name, ensuring it complies with legal requirements and is available for use.

Business Structuring

Whether you're forming a private company (Pty Ltd), a non-profit, or any other business entity, we provide guidance on choosing the right structure for your business.

Compliance Documentation

We assist with filing key compliance documents, including Memorandum of Incorporation (MOI) and shareholder agreements, to get your company up and running.


Annual Returns Submission

Filing annual returns is a legal obligation for all registered companies in South Africa to maintain their good standing with CIPC.


Timely Submissions

We ensure your company’s annual returns are submitted on time, avoiding penalties and the risk of deregistration.

Compliance Checks

We conduct a thorough review of your company’s compliance status with CIPC, ensuring that all financial and company records are up to date.

Document Preparation

We handle the preparation and submission of the required financial statements and other necessary documents to ensure accurate filings.


VAT Registration

Value Added Tax (VAT) registration is essential for businesses that meet the threshold for taxable income, and we make this process straightforward.


VAT Threshold Assessment

We assist with determining whether your business meets the required income threshold for VAT registration (currently R1 million in 12 months).

SARS Registration:

We handle the registration process with SARS, ensuring that all necessary forms and documents are completed correctly.

Ongoing Compliance

Once registered, we provide ongoing support to ensure you meet your VAT reporting obligations, including VAT returns and payments.


CSD Registration

The Central Supplier Database (CSD) is vital for businesses looking to do work with government entities in South Africa.


CSD Profile Creation

We help you create and maintain your business’s profile on the CSD, ensuring that all required information is accurate and up to date.

Verification & Compliance

We assist with ensuring that your business meets the verification criteria, including tax clearance, BBBEE compliance, and banking details.

Ongoing Management

Our team monitors your CSD status, ensuring that your registration remains active and in good standing for government tenders and contracts.


BEE Certificates

Broad-Based Black Economic Empowerment (B-BBEE) compliance is essential for businesses operating in South Africa, particularly when dealing with government and large corporations.


BEE Status Evaluation

We evaluate your company’s current B-BBEE status and provide advice on how to improve your rating.

Certificate Issuance

We assist with obtaining a BEE Certificate, ensuring that your company meets all requirements and receives the appropriate verification.

B-BBEE Strategy

For businesses looking to improve their B-BBEE score, we provide strategic advice on restructuring, employee equity, procurement, and other factors that impact your BEE rating.


Other Essential Business Administration Services

In addition to the services listed above, we provide a range of other business administration services to ensure your company is fully compliant with South African regulations.


Business Licenses & Permits

Assistance with obtaining the necessary licenses and permits specific to your industry.

Company Amendments

We handle amendments to your company registration, including changes to directors, business addresses, and shareholding structures.

Employment Contracts & Compliance

We assist with drafting employment contracts and ensuring compliance with labor laws, including registrations with the Department of Labour for UIF and Workman’s Compensation.


Trinity Business Solutions

Estate And Succession Planing

Planning for the future is essential to ensure your assets and legacy are handled in accordance with your wishes. Our comprehensive estate and succession planning services help individuals and business owners create strategic plans for wealth transfer, minimize tax liabilities, and ensure the smooth continuation of businesses across generations.



Customized Estate Planning Solutions

Estate planning ensures that your assets are distributed according to your wishes, while minimizing potential tax burdens and legal complications.


Will Drafting

We assist in drafting a legally sound will that clearly outlines your wishes, ensuring your loved ones are cared for and assets are distributed according to your intentions.

Trust Formation

We help create and manage trusts to protect your assets and efficiently transfer wealth to beneficiaries, reducing estate taxes and avoiding probate.

Tax-Efficient Transfer of Wealth

We provide guidance on structuring your estate to minimize estate duty, capital gains tax, and other taxes that may impact your beneficiaries.

Asset Protection Strategies

We design strategies to protect your assets from creditors, lawsuits, and other potential threats, ensuring your estate remains intact for future generations.

Lifetime Gifting Plans

We advise on lifetime gifting strategies to reduce the size of your estate, allowing you to pass on wealth to loved ones during your lifetime in a tax-efficient manner.

Charitable Giving

If philanthropy is part of your legacy, we can help you structure charitable donations and establish foundations to leave a lasting impact on causes that matter to you.


Succession Planning for Business Owners

For business owners, succession planning is vital to ensure the continuity of your business after retirement, incapacity, or death.


Business Continuity Plans

We help you develop a clear plan for the future of your business, ensuring its continued success in your absence, whether through family succession or external leadership.

Family Succession Strategies

We provide guidance on transferring ownership and leadership of family businesses, minimizing family conflict and ensuring a smooth transition for future generations.

Buy-Sell Agreements

We assist in creating buy-sell agreements, which establish a pre-arranged plan for transferring business ownership in the event of retirement, death, or disability, providing financial security for both the departing owner and remaining stakeholders.

Key Person Insurance

We help set up key person insurance policies that provide financial protection to your business in the event of the loss of a critical leader.

Tax-Efficient Business Transfers

We work to minimize the tax impact on your business when passing it to heirs or selling to a third party, ensuring the business remains financially stable during the transition.

Exit Strategies

For business owners planning retirement or moving on, we offer exit strategy planning, guiding you through the process of selling your business or transitioning leadership in a way that maximizes value and preserves the business’s legacy.


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Capital Raising

Raising capital is a critical step for businesses looking to grow, whether through debt, equity, or hybrid financing solutions.

Equity Financing

We help businesses raise capital by issuing shares to investors, advising on the best strategies for equity financing, and ensuring compliance with all regulatory requirements.

Debt Financing

Our team assists with sourcing debt financing through banks, financial institutions, and private lenders. We evaluate the best loan options to meet your business needs while minimizing the cost of capital.

Hybrid Financing

For businesses seeking a combination of debt and equity financing, we provide expert advice on structuring hybrid financial products that maximize flexibility and minimize risk.

Investor Relations

We assist in preparing presentations, financial reports, and communications for potential investors, helping to secure the funding needed to drive your business forward.


Financial Modeling and Valuation Services

We offer robust financial modeling and valuation services that provide insight into the financial health of your business, helping you make informed decisions about future growth opportunities. Whether you're raising capital, navigating an acquisition, or seeking to restructure, we’re here to support your business at every stage of its growth.

Financial Forecasting and Modeling

We develop detailed financial models that project the future performance of your business based on key variables and market conditions. These models are essential for business planning, raising capital, and evaluating investment opportunities.

Business Valuations

Our valuation experts provide comprehensive business valuations to determine the true worth of your company, which is crucial for mergers, acquisitions, or sale negotiations.

Investment Appraisals

We assist in evaluating potential investments, providing detailed analysis of expected returns, risks, and strategic benefits.

Cash Flow Projections

Our financial modeling includes detailed cash flow projections, helping you manage liquidity and make informed decisions about capital allocation.


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Retirement Planning

Retirement is a major life milestone that requires thoughtful financial planning to ensure you maintain your desired lifestyle after your working years. At Trinity Business Solutions, we provide personalized retirement planning services designed to help you achieve financial security, protect your wealth, and enjoy a comfortable and stress-free retirement. Our comprehensive approach ensures that you are well-prepared for life beyond your career, with a clear plan tailored to your unique needs and goals.



Retirement Savings Strategies

Building a solid financial foundation for retirement is essential to securing your future.
We help you develop strategies that maximize your savings and protect your investments over time.


Personalized Savings Plans

We work with you to create customized retirement savings plans that align with your goals, time horizon, and risk tolerance. Whether you are early in your career or approaching retirement, we will ensure your savings strategy is optimized for your specific needs.

Maximizing Retirement Contributions

Our team provides expert advice on making the most of your retirement savings vehicles, including pension funds, retirement annuities (RAs), and other tax-advantaged accounts. We help you take full advantage of contribution limits, tax incentives, and employer matches to grow your retirement nest egg.

Investment Growth

We guide you in selecting investment strategies designed to grow your retirement portfolio over the long term, while managing risk and adjusting your strategy as you approach retirement age.

Inflation Protection

We develop strategies to ensure your retirement savings keep pace with inflation, so that your purchasing power remains intact throughout your retirement years.


Pension Plan Management

Effective management of your pension plan is key to ensuring that you can draw a stable income during retirement.
We provide expert advice and ongoing support to help you navigate your pension options and make informed decisions.

Pension Fund Optimization

We review your current pension fund options to ensure they align with your long-term retirement goals. This includes evaluating fund performance, fees, and risk levels to ensure you’re maximizing your pension potential.

Pension Preservation and Transfer

If you change jobs or retire early, we provide guidance on preserving or transferring your pension to avoid tax penalties and ensure it continues to grow.

Defined Benefit vs. Defined Contribution Plans

We assist in understanding the differences between defined benefit and defined contribution plans, and advise on how to best manage each type for optimal results.

Investment Strategy Adjustments

As you approach retirement, we help adjust your pension investment strategy to lower risk and safeguard your assets for withdrawal.


Retirement Income Options

Once you reach retirement, transitioning from saving to drawing an income is critical. We help you design a plan that ensures a steady income throughout your retirement while preserving your wealth.

Annuity Solutions

We advise on various annuity options, including life annuities and living annuities, to provide a consistent stream of income in retirement. We help you select the right option based on your needs for guaranteed income, flexibility, and risk management.

Phased Retirement Planning

For those transitioning gradually into retirement, we offer phased retirement strategies that allow you to reduce work hours while supplementing your income with partial retirement benefits or savings withdrawals.

Income Drawdown Strategies

We create sustainable withdrawal plans to ensure you do not outlive your savings. This includes balancing withdrawals from retirement accounts, pension funds, and investments to maintain financial stability.

Tax-Efficient Income Planning

We ensure that your retirement income is structured in a tax-efficient manner, helping you minimize tax liabilities and maximize the money available for your day-to-day expenses.


Trinity Business Solutions

Portfolio Management

Successful investing requires ongoing attention and adjustment to maintain a healthy portfolio. Our portfolio management services are designed to provide continuous oversight, ensuring your investments remain aligned with your financial goals while managing risk effectively.


Asset Allocation

We design a diversified portfolio that spreads your investments across different asset classes (such as equities, bonds, and alternative investments) to balance risk and reward. Our goal is to optimize your asset allocation based on your risk tolerance and market conditions.

Regular Portfolio Reviews

We conduct regular portfolio reviews to assess the performance of your investments, making adjustments as needed to stay on track with your financial objectives. This includes rebalancing your portfolio to maintain your target asset allocation and risk profile.

Risk Management

Managing risk is a critical component of our investment advisory services. We implement risk management strategies that protect your portfolio from excessive exposure to market fluctuations. This includes the use of diversification, hedging strategies, and other risk mitigation techniques.

Performance Tracking and Reporting

We provide transparent performance tracking and reporting, ensuring you are always informed about how your portfolio is performing. Our reports offer insights into returns, risk levels, and the overall health of your investments.

Tax-Efficient Investing

As part of our portfolio management services, we help you implement tax-efficient investment strategies. This may include choosing tax-advantaged accounts, optimizing asset placement, or employing strategies like tax-loss harvesting to minimize your tax liabilities.


Long-Term Wealth Building

Building wealth requires patience, discipline, and a well-structured plan. Our investment advisory services are designed to help you create sustainable wealth over the long term, ensuring your financial security.


Growth and Income Strategies

Depending on your financial goals, we develop a combination of growth and income strategies tailored to your situation. Whether you are focused on capital appreciation or steady income generation, we design your portfolio to deliver the desired results.

Retirement Investment Strategies

f you’re preparing for retirement, we help you structure your investments to ensure a reliable stream of income during your retirement years while preserving your capital. This includes planning for required minimum distributions (RMDs) and ensuring you have sufficient liquidity to meet your post-retirement needs.

Wealth Preservation

For clients who have already accumulated significant wealth, our focus shifts to wealth preservation. We design strategies that protect your assets from inflation, market volatility, and taxation while ensuring your capital continues to grow over time.

Socially Responsible Investing

If you have ethical or social preferences, we offer socially responsible investing (SRI) options, helping you align your portfolio with your values by investing in companies that meet certain environmental, social, or governance (ESG) standards.

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