David Miller is a retirement planning specialist and pension fund expert based in Durban, with extensive knowledge of South Africa's retirement landscape. Born in Pietermaritzburg, David has 13 years of experience in retirement fund administration and the new Two-Pot System. He's a qualified actuary and holds a PhD in Actuarial Science from the University of KwaZulu-Natal. David has helped thousands of South Africans understand their retirement options, from retirement annuities to pension fund withdrawals. He's particularly expert in the 2024 pension reforms and regularly advises on early retirement strategies. David is also involved in financial education initiatives in KwaZulu-Natal and speaks isiZulu fluently, helping bridge the language gap in financial planning.