Articles | Galileo Capital

How Much Is Enough? Turning Retirement Savings Into a Reliable Monthly Income

By Frank Daubenton, CFP ® Every retiree eventually asks the same question. How much can I safely draw each month without running out of money? It is a reasonable question, but it is often answered in the wrong way. Too many retirement conversations start with percentages. Drawdown rates, returns, and assumptions dominate the discussion. None[...]

By Jonathan Theunissen, CFP ® For many South African parents, the idea of teaching children about money can feel overwhelming. Budgets are tight, costs are rising, and it’s tempting to think that “they’ll learn later.” But the truth is that the most important money lessons don’t come from spreadsheets or apps – they come from[...]

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner In many households, one parent manages the finances. One pays the bills, monitors the accounts, and makes most of the decisions, while the other keeps the household running. Often that second parent has stepped back from paid work to raise children, or may simply not feel equipped or confident[...]

By Frank Daubenton, CFP® Property decisions in later life are rarely neutral. A home carries memory, identity, and comfort. That makes the financial choices harder, and often delayed. Yet housing is usually one of the largest asset on a retiree’s balance sheet. Decisions around it deserve clear thinking before emotions take over. Whether you sell[...]

By Katlego Mei, CFP ® Planning for mental incapacity is never an easy topic. It touches on ageing, loss of independence, and difficult family conversations. Yet it is one of the kindest and most practical steps you can take for an elderly parent or loved one. When planning is absent, families are often forced to[...]

By Jonathan Theunissen, CFP ® For many South Africans approaching retirement, the biggest challenge is not whether they have saved enough. It is what comes next once the payslip stops. After years — often decades — of structured routines, professional identity, and daily interaction with colleagues, stepping away from work can feel deeply unsettling. While[...]

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner For many households, the pressure is constant. Groceries cost more than they used to, school and childcare expenses rise every year, and essentials like fuel, insurance, and medical cover seem to increase all at once. Even families who have always managed their money carefully are finding that it feels[...]

By Frank Daubenton, CFP ® When parents talk about sending a child to university, the focus is usually academic. Which institution. Which degree. Which country. The financial discussion often comes later, once acceptance letters arrive and deadlines are tight. That order creates pressure. University is one of the largest financial commitments most families will ever[...]

By Katlego Mei, CFP ® Every January, financial resolutions arrive with confidence. Save more. Spend less. Invest properly. By February, many of them fade. This is not a discipline problem. It is a behaviour problem. Money decisions are emotional. They are shaped by habit, fear, optimism, and routine. Behavioural finance helps explain why good intentions[...]

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner When it comes to money, few words spark as much debate as “risk.” Some people treat the share market like a casino. Others avoid investing altogether for fear of losing what they’ve worked hard to save. The truth sits somewhere in the middle. Understanding the difference between gambling and[...]

Blog

How Much Is Enough? Turning Retirement Savings Into a Reliable Monthly Income

Teaching Children About Money Without Making It Complicated

How to Make Everyone in the Household Feel Secure About the Family Money Plan

Downsizing, Semigration, or Staying Put in Retirement: The Real Financial Trade-Offs

Planning Ahead: Caring for Your Parents’ Finances When They Need You Most

Retirement Is More Than a Number: Navigating the Emotional Shift Away from Work

What to Do When Everything Feels Too Expensive

Which university is right for my child (and my pocket)?

Money Resolutions That Actually Stick

Gambling vs Investing: Building a Portfolio That Lasts

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