Can my business go to the child who runs it under Islamic inheritance?

Not simply by leaving it to them, as fixed shares apply to most of the estate. But structures such as separating salary from ownership, buy-and-sell arrangements and trusts can keep the business intact while every heir receives their share.

When should we start succession planning?

Ideally years before any handover. Succession works best as a gradual process, not an event triggered by illness or death.

What is a multi-family office?

A coordinated service that brings a family's investments, cover, estate planning and advisers together under one plan, with regular consolidated reporting.

Family Business Succession and Family Office

Wealth that lasts beyond one generation

Most family wealth is lost not through bad markets but through unclear plans, unfunded estates and family disputes. We help families and business owners put the structures, documents and cover in place so that what you have built passes on smoothly, in line with your wishes and with Islamic inheritance where it applies.

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Expert advice, more choice, personal service

Led by Dr. Shakir Jeeva. Our founder brings advanced qualifications in Islamic finance, investment management and financial governance, and decades of experience in global financial markets. He and his team personally oversee the advice you receive. We are not tied to a single provider: we compare solutions across leading investment houses, insurers and takaful providers, and show you the options side by side, with the costs and trade-offs explained, so you choose what fits.

How we can help you

Who it is for

• Founders and owners of family businesses planning the next generation

• Families with significant property, business or investment wealth

• Muslim families who want an estate plan that follows Shariah and is valid under South African law

• High-net-worth families who want one coordinated view of their affairs

What we help with

• Succession planning: separating ownership from management, and transferring both in stages

• Wills and Islamic wills, coordinated with your attorney and a recognised scholar

• Estate liquidity planning: working out estate duty, CGT and executor's fees, and funding them

• Trusts and family investment companies for continuity and long-term stewardship

• Business assurance to fund buy-outs and protect the business

• Multi-family office services: consolidated reporting, governance support and coordination with your attorneys, accountants and other advisers

• Corporate and family training in Islamic finance and succession planning, preparing the next generation to lead

How we work

1. A confidential conversation with the founder or family leaders

2. A map of the family's assets, structures, documents and gaps

3. A succession and estate plan, prepared with your attorney and accountant where needed

4. Implementation, family meetings where helpful, and regular reviews

Common questions
Sapphire Global Financial Services is an authorised financial services provider (FSP 51022). This page is general information only and does not constitute financial, legal or tax advice, or a religious ruling. Please consult qualified advisers and a recognised scholar about your circumstances.

Ready to plan for the next generation?

Book a free, confidential first conversation. We will map what your family owns, where the gaps are, and the steps to pass it on smoothly, in line with your wishes and Islamic inheritance where it applies.