For financial advisers
Turn estate readiness into an ongoing client service.
WDI gives your practice a structured way to help every client prepare their estate — and a reason to meet them every year. You keep the client relationship; WDI is the independent technology behind it and never appoints itself as executor.
Your adviser workflow
- 1
Onboard the client
Invite by link or code. The client gives their own POPIA consent on sign-up.
- 2
Build the Estate Profile
Free Will and Living Will, then assets, liabilities, policies and family.
- 3
Import or capture data
Pre-fill from an Astute CCP XML download or capture manually.
- 4
Assess estate readiness
One score and gap list across documents, cover, retirement and contacts.
- 5
Identify gaps
Estate duty, CGT, executor fees, liquidity and life-cover needs on current SARS tables.
- 6
Annual estate review
Review diary, reminders and a review pack keep the file current.
- 7
Maintain the Estate Pack
A verified pack ready for the authorised executor after verified death.
Built for FSP Compliance, Advice Integrity & Ongoing Client Retention
WDI is more than a Will creator. It is an independent fiduciary and compliance workspace designed around the everyday regulatory responsibilities of South African financial planning practices.
Consolidated Financial Profiles
Capture a complete inventory of client assets, liabilities, retirement funds (including Two-Pot allocations), and life policies. Pre-fill data in seconds from an Astute FSE XML download or maintain the profile manually.
KYC & FICA Compliance Desk
Fulfil Financial Intelligence Centre Act obligations with structured customer due diligence: record identity, verify physical address, screen for PEP/PIP status, and store encrypted verification documents securely in the client's vault.
Client FICA Risk Ratings
Assign objective risk ratings (Low, Medium, High, or Enhanced Due Diligence) supported by an immutable compliance log. Satisfy FIC Act Section 42 requirements with a defensible, auditable risk-management framework.
FAIS Advice Checklists & RoA Filing
Demonstrate due skill, care, and diligence under the FAIS General Code of Conduct. Use structured compliance checklists, generate Records of Advice (RoA), and maintain an unalterable activity log for every client engagement.
Estate Calculations & Liquidity Analysis
Calculate estate duty, Capital Gains Tax, executor fees (3.5% + VAT), and Master's fees on current SARS tax tables. Identify immediate cash shortfalls to provide verifiable justification for life-cover recommendations.
Ongoing Client Relationship Management (CRM)
Stay top of mind with an automated annual review diary, structured client task manager, and immutable communication log. System alerts notify you when life events (marriage, divorce, property changes) require an estate update.
Why offer an annual estate review service?
Estates change every year — marriages, births, property, policies, tax tables. An annual estate review keeps each client's file current and gives your practice a structured, valuable reason to meet.
A meaningful yearly meeting
A reason to see every client beyond investment performance, with a clear agenda from their gap list.
Gaps found while they can be fixed
Liquidity shortfalls, estate duty exposure and outdated beneficiary nominations surface before death, on current SARS tables.
Relationships with the next generation
Involving spouses and heirs in the review builds trust with the people who will inherit.
A documented, repeatable process
Review diary, reminders, review pack and FAIS records show the work was done and when.
A current Estate Pack for the executor
Each review keeps the client's Estate Pack ready for the authorised executor.
Included in your practice portal
- ✓ Estate Readiness Score per client
- ✓ SARS-aligned estate duty & liquidity calculator
- ✓ FICA risk ratings & KYC document vault
- ✓ FAIS Record of Advice (RoA) filing
- ✓ Review diary, tasks & communication log
- ✓ Astute FSE data import
- ✓ Branded practice portal for your firm
- ✓ Complimentary Vault plan for active advisers
Administrative Service Fee
Practices receive an R10 (incl. VAT) monthly Administrative Service Fee for each paying client they administer on WDI. WDI is not an authorised FSP; please confirm the disclosure requirements with your compliance officer before you start.