Starting a Business After Retirement in South Africa

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We’re looking for an experienced professional to join our team as a Retirement Business Advisor, helping South African retirees launch sustainable, purpose-driven ventures. This role blends consulting, compliance guidance, and hands-on support for new entrepreneurs in their 60s and beyond.

About the role

As a Retirement Business Advisor, you’ll work directly with retirees to assess business ideas, navigate legal structures (e.g., Pty Ltd vs. sole proprietorship), and ensure compliance with tax, licensing, and funding requirements. You’ll leverage your expertise in South African small business regulations to simplify complex processes and empower clients to launch ventures that align with their lifestyle, risk tolerance, and legacy goals.

Responsibilities

• Guide retirees through business structure selection (e.g., sole proprietorship, Pty Ltd, partnerships) and registration processes, including CIPC filings and tax number setup.
• Advise on compliance requirements, such as municipal licenses (e.g., food handling certificates, business permits), VAT registration, and sector-specific regulations.
• Clarify tax obligations, including Turnover Tax, provisional tax, and PAYE/UIF for businesses with employees, and help clients choose optimal tax structures (e.g., Small Business Corporation rates).
• Assist with funding strategies, including self-funding plans, development finance institution applications, and SMME support programmes, while safeguarding clients’ retirement assets.
• Develop tailored business plans for retiree-friendly ventures (e.g., consulting, property services, food production, tutoring) with low overhead and flexible hours.
• Educate clients on the two-pot retirement system, SASSA grant implications, and cash flow management to balance business growth with financial security.
• Collaborate with legal and accounting partners to provide holistic support, from drafting founders’ agreements to setting up cloud bookkeeping (e.g., Xero, Sage).

Requirements

• 5+ years of experience in small business consulting, tax advisory, or compliance roles in South Africa.
• Deep knowledge of CIPC registration, SARS tax requirements (e.g., Turnover Tax, VAT), and municipal licensing processes.
• Familiarity with retirement funding systems (e.g., two-pot system, SASSA grants) and their intersection with business income.
• Experience with SMME funding programmes, development finance institutions, or asset finance options.
• Strong communication skills to simplify complex regulations for non-expert audiences.
• Empathy and patience for working with first-time entrepreneurs, particularly retirees.

Skills

• Business registration and compliance (CIPC, SARS, municipal licenses).
• Tax structuring (Turnover Tax, SBC rates, VAT, PAYE/UIF).
• Financial planning for retirees (cash flow, funding, retirement asset protection).
• Business model design for low-overhead ventures (e.g., consulting, e-commerce, property services).
• Stakeholder management (clients, legal/accounting partners, government agencies).

Benefits

• Flexible, hybrid work schedule tailored to your lifestyle.
• Opportunity to make a tangible impact on retirees’ financial resilience and purpose.
• Professional development in emerging areas like the two-pot retirement system and SMME funding trends.
• Collaborative, supportive team environment with a focus on work-life balance.

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