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Author: Jonathan Theunissen

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Investing on Behalf of Your Children

Investing on behalf of your children
By Jonathan Theunissen, CFP ® Investing on behalf of your children is a thoughtful and generous act that can enable future opportunities for them. It goes beyond simply setting aside money; it involves strategic planning and an understanding of the legal and financial landscapes. By starting early, you can take advantage of compounding growth, potentially[...]
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Taking a Long-Term View

Long-term and short-term views
Jonathan Theunissen, CFP® – Financial Planner The Pitfalls of Short-Term Investment Tracking An interesting contrast exists in the world of investments: while property investors rarely fixate on annual valuations, many equity investors obsessively track their portfolio’s short-term performance. This behaviour is not only counterproductive but also misaligned with the fundamental principles of successful long-term investing.[...]
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The Benefits of Offshore Endowments for Financial Planning

By Jonathan Theunissen, CFP® – Financial Planner An offshore endowment can be a strategic addition to your investment portfolio, offering substantial tax and estate-planning benefits. This investment vehicle is particularly suited for those seeking to diversify their assets internationally while optimizing their financial planning. Here, we explore the key benefits and features of an offshore[...]
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The Benefits of Consolidating Investments onto Fewer Platforms

Consolidating Investments
By Jonathan Theunissen, CFP® – Financial Planner The Benefits of Consolidating Investments onto Fewer Platforms  In the intricate world of wealth management, the strategic consolidation of investments onto fewer platforms can offer substantial benefits, particularly for high-net-worth families and individuals. Streamlining your investment holdings not only simplifies your financial life but also enhances cost efficiency and[...]
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What’s Your Retirement Dream?

Retired couple enjoying financial freedom
By Jonathan Theunissen, CFP® – Financial Planner  Sixty-five is the age most associated with retirement, largely because it’s when Social Security payments in the US have historically begun paying out. When President Franklin D. Roosevelt signed the Social Security Act in 1935, the average life expectancy was only about 61 years. Over the course of the[...]
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Nurturing Financial Wellbeing: Understanding Your Financial Personality

By Jonathan Theunissen, CFP® – Financial Planner  In personal finance, understanding your financial personality is key to achieving both economic stability and emotional wellbeing. Each individual has a unique approach to money management, shaped by their attitudes, behaviours, and experiences. By recognizing these traits and adopting micro-actions tailored to your financial personality, you can move[...]
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Choosing the Right Financial Planner: Key Questions to Ask

By Jonathan Theunissen Selecting a financial planner is a crucial step toward financial security and freedom. Whether planning for retirement, managing investments, or seeking guidance on debt reduction, finding the right financial planner can make a significant difference in achieving your financial goals. In this article, I explore how to choose a financial planner and[...]
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Budgeting Strategies for Financial Freedom

by Jonathan Theunissen, CFP® Budgeting is the cornerstone of financial success and a powerful tool for achieving financial freedom. It’s not about restricting your spending; instead, it’s about making conscious choices and allocating your resources to align with your goals. In this article, we’ll explore ten tips and techniques for effective budgeting that can help[...]
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Creating a Personalised Financial Freedom Plan

By Jonathan Theunissen, CFP® – Financial Planner In the journey toward financial freedom, each person’s path is unique – filled with distinct goals, dreams, and challenges. The quest to achieve financial independence is not a one-size-fits-all endeavour. Instead, it’s a deeply personal and individualised journey. Understanding the Journey Every great story, from ancient myths to[...]
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