January 2025

We’re thrilled to invite you to the 2025 Pinion Agri Conference—a dynamic event dedicated to exploring the key principles, strategies, and innovations that are shaping the future of agriculture. Whether you’re an industry veteran or just starting out, the Pinion Agri Conference 2025 promises to be a valuable experience full of expert insights, meaningful discussions, and opportunities to connect with fellow professionals. 2025 Pinion Agri Conference Highlights: Opening The 2025 Pinion Agri Conference with Tom Dawson-Squibb Tom Dawson-Squibb, a high-performance coach, will kick off the 2025 Pinion Agri Conference with a powerful session on Performance Connections. He’ll share his expert perspective on how teams can work together to bring out the best in each other—a crucial element for success in any field, including agriculture. Expert Workshop with Chantell Ilbury Join acclaimed author and strategist Chantell Ilbury for an engaging, hands-on workshop at the 2025 Pinion Agri Conference, where you’ll explore the art of scenario planning and how to develop adaptive strategies for the agricultural industry. This session is designed to give you practical tools you can immediately apply to your own work. Networking Lunch Take the opportunity to connect with fellow agricultural professionals over lunch at the 2025 Pinion Agri Conference. Whether you’re looking to forge new partnerships or just share insights with others, this is the perfect chance to meet like-minded individuals who are passionate about the future of agriculture. Afternoon Sessions with Industry Leaders Our afternoon lineup at the 2025 Pinion Agri Conference features thought leaders on critical agricultural topics: James Cullis (Water Resources Engineer) will address the ever-important issue of water availability—a resource that is vital to the future of farming. Andrew Beckerling (Agronomist) will dive into the ongoing carbon debates, exploring how the agricultural sector can play a role in reducing its carbon footprint. Wrap-Up Session with Pinion Advisory To ensure the key takeaways from the 2025 Pinion Agri Conference resonate, our team at Pinion Advisory will lead a closing session, helping you distill the most valuable insights from the day and offering guidance on how to implement them in your own work. Evening Dinner with Adi Birrell End the day on a high note with a dinner featuring Adi Birrell, renowned South African Cricket Coach, who will share his approach to high-performance management. Get a unique perspective on leadership, teamwork, and achieving success in high-pressure environments—lessons that are just as relevant to agriculture as they are to sports at the 2025 Pinion Agri Conference. Sector-Specific Focus Groups: On March 12th, at the 2025 Pinion Agri Conference, we’ll host specialised sessions tailored to the needs of different agricultural sectors: Dairy, Beef, and Fiber Industries: Dive deep into the issues and opportunities affecting these sectors and collaborate with other professionals who share your focus. Citrus Growers: If you’re a citrus grower, you won’t want to miss the related topics at the CGA Summit on Day 2 in Gqeberha. Event Details: Date 11th March: 8:30 AM – Late 12th March: 8:30 AM – 11:30 AM Location Running Waters, Kragga Kammard, Port Elizabeth Don’t miss this chance to contribute to the future of agriculture at the 2025 Pinion Agri Conference. Whether you’re looking to gain new knowledge, build your network, or be part of the conversation on agriculture’s future, this event is the place to be. Reserve Your Spot Now! CLICK HERE to Book Now.We can’t wait to welcome you to a day filled with learning, collaboration, and innovation! For more information, visit our website.

RA and TFSA contributions are key areas that shouldn’t be overlooked as we enter 2025. The new year has arrived with a promise of new opportunities, and it’s the perfect time to take control of your financial future. Every year, we’re bombarded with noise—from promises of quick fixes to the hype surrounding new trends. It’s easy to get distracted, but let’s refocus on what really matters: your goals, your financial plan, and the steps you can take to ensure a prosperous year ahead. One key area that shouldn’t be overlooked is your retirement planning and tax strategy—specifically, making RA and TFSA contributions before the looming deadlines. Don’t Miss the RA Season Cut-Off Dates! As we move closer to February, the deadline for making RA and TFSA contributions is fast approaching. These valuable tools allow you to reduce your tax burden while also increasing your long-term investments. It’s easy to get caught up in the rush as the deadlines approach, so the earlier you get organised, the better. RA season is a time of certainty. It’s when you can secure a guaranteed tax benefit and boost your retirement nest egg. The tax deductions for RA and TFSA contributions are available for a limited time, so don’t wait too long to make the most of them. If you miss the cut-off, you miss out on the tax deduction for the 2025 financial year. The good news? You can avoid this scenario with a bit of early planning. Why Invest in a Retirement Annuity (RA) and Tax-Free Savings Account (TFSA)? Both RA and TFSA contributions are powerful savings tools that can benefit you in the short and long term. Here’s why: Retirement Annuity (RA) An RA is a key component of your retirement planning and tax strategy. By contributing to an RA, you not only invest for your future, but you also receive a tax deduction for your contributions. For every Rand you contribute, your taxable income decreases. The tax benefit depends on your income level, with tax reductions ranging from 18c to 45c per Rand. If you earn around R600,000 annually, that’s a 36c saving for every Rand you invest in your RA! The introduction of the Two-Pot Retirement System has added even more flexibility to your RA contributions. Now, you can access one-third of your RA before retirement age, should you need it (note: tax implications apply here, so speak to your financial advisor for guidance). Tax-Free Savings Account (TFSA) A TFSA is a savings product that allows you to earn investment growth completely tax-free. The benefits of a TFSA are compelling—there’s no tax on the growth of your investments, including interest, dividends, and capital gains. Plus, there’s no tax when you withdraw funds from your TFSA. The contribution limit for TFSAs is R36,000 per year, with a lifetime cap of R500,000. While contributions to a TFSA don’t provide an immediate tax deduction, the long-term tax-free growth is a significant advantage. The Deadline: Don’t Wait Until the Last Minute! Investment houses have different cut-off dates for processing RA and TFSA contributions, so it’s crucial to check the deadlines and ensure all the necessary paperwork is submitted on time. To avoid any last-minute stress, aim to have your RA and TFSA top-ups completed by Friday, 21st February 2025. Remember, the team at Pinion Wealth is here to assist you with the process. Don’t hesitate to reach out if you need guidance on making your RA and TFSA contributions or if you have any questions about your financial planning. Visit our website or contact info@pinionza.com for more information. Make 2025 Your Best Financial Year Yet As we dive into 2025, let’s stay focused on what we can control. The financial decisions you make now will shape your future, so take advantage of the opportunities available to you today. By investing in your RA and TFSA contributions, you’ll set yourself up for a more secure financial future while enjoying the immediate benefits of tax savings. Wishing you a prosperous 2025 filled with financial success!

As we step into a new year, Futa’s Footsteps extends heartfelt thanks to all our clients who continue to partner with us in their pursuit of excellence in dairy farming. With over 45 years of experience in managing dairy cows, Futa Oxenham is excited to announce a range of tailored dairy farming training programs aimed at empowering farm workers and managers with the skills and knowledge they need to drive farm success. These specialised dairy farming training programs are designed to focus on vital areas like udder health, disease management, reproductive efficiency, and overall cow well-being. Each of these aspects is critical for maintaining a successful and healthy dairy operation. By offering focused training, we help ensure that your team is equipped with the best practices and tools to manage your herd and farm efficiently. Our dairy farming training programs are carefully crafted to address the challenges dairy farms face, ensuring that farm workers are knowledgeable, confident, and prepared to tackle any obstacles. When your team has access to the right information and skills, it translates to a more productive, sustainable, and profitable farm. We’re here to support you in optimising your farm’s performance, enhancing cow health, and ensuring long-term success. Let us help you make 2025 your most productive and successful year yet by equipping your team with the expertise they need through our dairy farming training programs. Key Areas of Focus in Our Dairy Farming Training Programs Milking Procedures for Udder Health Learn best practices in dairy farming training to maintain udder health and optimise milk quality. Dairy farming training focuses on minimising the risk of infection and promoting the overall well-being of your cows. By implementing proper milking techniques and hygiene protocols, farm workers will be equipped with the skills needed to ensure both high-quality milk production and the health of the herd. Regular training in these areas helps prevent costly health issues and improves the overall productivity of your dairy operation. Bovine Disease Management Equip your team with dairy farming training to identify symptoms and manage disease prevention. Our training focuses on implementing effective treatment strategies, helping maintain a healthy herd and boosting dairy operation efficiency. Heat Spotting and AI Procedures Gain insights into reproductive management practices, such as heat detection and artificial insemination, to enhance breeding efficiency and productivity. Cow Health and Comfort Through our dairy farming training programs, discover practical strategies to optimise your farm environment and management practices. By focusing on cow comfort, you can directly improve productivity, animal welfare, and milk quality. Understanding how to create an ideal environment for your cows ensures their well-being, which in turn boosts the efficiency of your dairy operations. Calf Rearing Techniques Learn the essentials of calf management through our specialised dairy farming training to ensure healthy growth and development. By focusing on proper care and feeding techniques, you can lay a strong foundation for the future productivity and success of your farm. Dairy farming training covers everything from early-stage nutrition to managing calf health, helping you raise strong, productive cows that will contribute to your farm’s long-term success. With the right knowledge and tools, you can ensure that your calves are given the best start in life, setting your dairy operations up for sustained growth and profitability. Junior Pasture Principles Through our dairy farming training, understand the fundamentals of pasture management to maximise grazing efficiency. By improving herd health and enhancing the sustainability of your operations, you’ll create a more resilient and productive farming system. Proper pasture management is key to maintaining the long-term success of your dairy farm while optimising resources. At Futa’s Footsteps, we believe modernised practices and technologies are essential, but they should never overshadow the irreplaceable value of a farmer’s intimate knowledge of their land. The farmer who walks the land, understanding its intricate dynamics and nurturing relationships with their animals and workers, is irreplaceable. Our mission through dairy farming training is to share knowledge and skills back into the farming community, ensuring that every worker and manager is empowered to succeed in their roles. As we move forward into this exciting year, Futa’s Footsteps invites you to connect with us and take the next step in enhancing your dairy operations through our tailored dairy farming training programs. Whether you’re looking to sharpen your team’s skills or gain deeper insights into best farming practices, we are here to provide the support you need. Our training programs are designed to empower your workers and managers, helping them excel in their roles and contribute to the overall success and sustainability of your dairy farm. Let’s work together to cultivate a thriving farming community where everyone can grow and play a part in the continued success of your dairy operations. Visit our website or contact info@pinionza.com for more information.

As Pinion Wealth SA celebrates its 5th anniversary, we take a moment to reflect on the incredible journey we’ve embarked on since our official license was granted on 10 December, 2019. From our humble beginnings as ACS Investing, we’ve grown into a leading provider of agriculture business solutions, rebranding and redefining our approach to meet the ever-changing needs of our clients in the financial and agricultural sectors. This milestone is not only a reflection of the passage of time but also of the strength, resilience, and growth we’ve achieved alongside our loyal clients. Over the past five years, we’ve focused on delivering tailored agriculture business solutions that empower our clients to navigate the complexities of both the financial and agricultural landscapes. With a deep understanding of the unique challenges faced by those in agriculture, we’ve strived to offer strategic advice, innovative financial solutions, and comprehensive support that fosters long-term success. This anniversary is a testament to the trust our clients have placed in us, as well as the commitment we have to helping them achieve their financial and business goals. Thank You to Our Loyal Clients We owe much of our success to our clients who have stood by us through challenging times. Their trust, commitment, and unwavering support have been instrumental in our growth and have played a pivotal role in shaping the way we provide agriculture business solutions. Over the past five years, we’ve seen remarkable development in our services and products, all designed to meet the unique needs of the agricultural sector. It is through the support of our clients that we’ve been able to innovate and adapt, continuously improving our ability to offer tailored solutions for financial and operational success. Your commitment to your investments, even during the most turbulent times, has not only kept us moving forward but has also resulted in positive outcomes. We are honored to have played a part in guiding you through these challenges and are excited about continuing to deliver agriculture business solutions that drive sustainable growth, profitability, and resilience in the years ahead. Your trust in our expertise has been crucial, and we look forward to helping you unlock even more opportunities for success in the future. Reflecting on 2024: A Year of Resilience and Opportunities As we move into 2025, we reflect on 2024—a year defined by volatility, uncertainty, and remarkable resilience. Despite global challenges such as inflation, geopolitical tensions, and fluctuating economic conditions, South Africa demonstrated significant strength, particularly within the agricultural sector. This year reinforced the importance of steadfast investment strategies, adaptability, and the need for robust agriculture business solutions to navigate uncertain times. At Pinion Wealth SA, we embraced innovation and remained committed to the core principles that drive our success. By offering tailored agriculture business solutions, we helped our clients face the challenges of the year, ensuring their financial portfolios remained resilient while optimising operations. Our focus on providing strategic, forward-thinking advice has enabled our clients to thrive amidst global uncertainties, reinforcing the importance of long-term planning and flexibility. Looking ahead, we continue to be dedicated to offering innovative agriculture business solutions that foster growth, stability, and success in an ever-changing global landscape. 2025 holds new opportunities, and we are excited to partner with our clients in navigating them. Highlights and Lowlights of 2024 Market Resilience Amid Uncertainty Despite global market fluctuations, South African assets, particularly in agriculture, showed strong performance. This year highlighted the importance of diversification and sticking to well-crafted investment plans. For those utilising agriculture business solutions, resilience and adaptability proved essential in navigating market challenges. Geopolitical and Economic Tensions 2024 brought its share of geopolitical and economic challenges, from trade disruptions to local political instability. However, those who remained committed to their financial strategies saw long-term benefits. Agriculture business solutions played a key role in helping businesses weather external pressures and stay focused on their goals. Opportunities in Change Amid the turbulence, there was a growing demand for comprehensive financial planning. As the complexity of the market increased, more businesses turned to agriculture business solutions for independent, holistic advice. This trend highlighted the value of strategic, forward-thinking planning in navigating uncertainty. Growth and Evolution Despite the turbulent economic landscape of 2024, Pinion Wealth SA has continued to grow and evolve, underscoring our commitment to providing tailored agriculture business solutions. This year, we expanded our client base, welcoming new partners in the agriculture sector and beyond, all of whom benefited from our customised, forward-thinking financial strategies. We also strengthened our team by adding talented professionals who bring fresh insights and expertise to our services, further enhancing our ability to deliver industry-leading solutions. At the core of our growth is our unwavering dedication to independence and client-centric advice. By embracing technology and innovation, we’ve improved our ability to offer agile, efficient, and scalable agriculture business solutions that help clients navigate complex financial landscapes. This ongoing evolution ensures that we remain equipped to meet the changing needs of the agricultural industry, enabling our clients to thrive in an ever-evolving market. Looking Ahead to 2025 As we step into 2025, we remain optimistic about the future. The year promises both opportunities and challenges, especially with the evolving global economy and South Africa’s gradual recovery. We are ready to embrace these changes and continue providing agriculture business solutions that address the dynamic needs of our clients, while delivering personalised financial advice to navigate these shifts. Economic Landscape: Stabilisation in certain sectors offers key opportunities for growth, particularly within agriculture.Shifting Client Expectations: We anticipate a growing demand for technology-driven financial solutions, while maintaining the personal touch that distinguishes our service.Evolving Regulatory Environment: We will stay proactive in adapting to new regulations and ensuring our clients remain compliant. Staying True to Our Core Amidst all the changes, one thing remains constant at Pinion Wealth SA: our core values. We are unwavering in our commitment to offering unbiased, independent advice tailored specifically to meet the needs of those seeking agriculture business solutions. By focusing on long-term success