Wealth and Legacy Group’s Angélique Krügel was invited to participate in Full Bloom 2026, hosted by Old Mutual Employee Benefits. The event brought together women and industry professionals to discuss financial independence, leadership, wealth creation and the legacies we leave behind.
Drawing on her experience in wealth and fiduciary planning, Angélique contributed insights into an important but often overlooked aspect of financial independence: preparing for death, incapacity and business succession before difficult decisions are left to others.
Why integrated planning matters
Having a Will, life insurance or a family trust does not necessarily mean that everything is in place. Effective legacy planning requires financial, legal and tax considerations to work together, with each arrangement reviewed in the context of a person’s family, assets and business interests.
For example, a retirement fund beneficiary nomination does not necessarily determine how death benefits will be allocated. Similarly, business succession plans can fall short where ownership agreements, estate provisions and funding arrangements are not aligned. These gaps can leave families and business partners facing uncertainty, delays and unexpected financial consequences.
These considerations underpin our Wealth and Legacy Plan®, an integrated approach to growing, protecting and transferring wealth across generations.
We thank Old Mutual Employee Benefits for the invitation and for creating a platform for meaningful conversations about financial empowerment and lasting legacies.