A living will and a last and testament are not the same thing – it is also not the same as a general power of attorney. Find out why the difference actually matters more than you think. Store copies of your living will physically and digitally, carry a note in your wallet with your spokesperson’s […]
Checking your portfolio too often is a fast way to hurt long term returns. If checking your investment portfolio was a sport, many South Africans would qualify for the Olympics. Gold medal in Over-Monitoring, silver in Emotional Decision-Making, and bronze for “I Panicked and Sold at the Bottom”. Let’s get something out of the way […]
Investing success comes from timeless habits and steady principles, not predictions. The deeper principles that shape disciplined, long-term success, and how to apply them in your own strategy. The world’s greatest investors often distil decades of experience into a single line that endures long after market cycles fade. Yet, beneath these familiar quotes lie principles […]
True financial wellness comes from balancing today’s quality of life with tomorrow’s security. A balanced financial plan isn’t about perfection, but harmony; adapting, reviewing and rebalancing as life unfolds. One of the most enduring tensions in financial planning is finding equilibrium between living well today and preserving security for tomorrow. At first glance, it may […]
I would like to take this opportunity to wish you a blessed Christmas and a joyful, prosperous New Year. Thank you for your loyal support this past year. Please note that our offices will be closing on Thursday 18 December 2025, and will re-open on Tuesday 6 January 2026. Best wishes from Phil and the […]
From believing planning is for the rich to thinking debt is always bad, these common misconceptions can quietly erode long-term financial security. Wealth isn’t built on comfort or chance – it’s built on discipline, clarity and intention. Financial planning is often misunderstood, even by successful investors who pride themselves on making rational decisions. Beneath the […]
Life insurance is a powerful financial tool, but it must serve the policyholder’s needs and align with their financial reality. Life insurance is an essential financial planning tool, providing peace of mind and financial security to loved ones. However, circumstances change, and what once seemed like a prudent decision can become an overwhelming financial burden. […]
Putting off retirement planning can lead to compromises like working longer than you’d hoped or depending on others for financial support. If you were to ask 100 South African retirees what they would have done differently, they would all say the same thing: “I should have started planning earlier.” This insight, heard in many conversations […]
Understanding how your money is earned, spent, and invested empowers you to make informed decisions. Financial wellness is more than just having money in the bank. It’s about creating a stable, secure, and fulfilling life. It intersects with physical and mental well-being, forming a foundation for long-term peace of mind. Whether you’re just starting your […]
If you’re concerned about putting plans in place in the event of death or your health failing, there are a few simple steps to take in advance. Question: My wife and I are both in our eighties and still in relatively good health. I manage all our financial affairs, but I’m increasingly becoming concerned about […]