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Author: Jonathan Theunissen

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When Different Money Backgrounds Collide 

By Jonathan Theunissen, CFP ® Understanding the emotional side of finances and how couples can find common ground.  Money is never just about numbers. It’s about security, freedom, self-worth, and even identity. This is why, in many relationships, money can become a source of misunderstanding or conflict, especially when two people come from very different[...]
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Why Investment Contributions matter more than Returns

By Jonathan Theunissen, CFP ® When clients think about building wealth through investing, one of the first questions they ask is: “What return can I expect?” But here’s the truth that decades of research has shown: consistent contributions – your behaviour – matter more than investment returns over the long run. This isn’t just theory.[...]
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Your First Salary: Setting Yourself Up for Financial Success from Day One

By Jonathan Theunissen, CFP ® Earning your first salary is an exciting milestone, but it also comes with important financial responsibilities. How you manage your money from the start can set the foundation for long-term financial success. Here’s how you can maximize your first salary and build a strong financial future. Understand Your Payslip Before[...]
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Merging Money: How to Successfully Combine Finances as a Couple

By Jonathan Theunissen, CFP ® Money is one of the most common sources of stress in relationships, but it doesn’t have to be. Whether you’re newly married or moving towards marriage, aligning your approach to money can create harmony, build wealth, and strengthen your relationship. While there are different ways couples can manage their finances,[...]
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Navigating Market Turbulence:

Navigating Market Turbulence: The Power of Long-Term Equity Investing
The Power of Long-Term Equity Investing By Jonathan Theunissen, CFP ® The history of stock markets shows an undeniable truth: over time, markets have consistently risen despite political changes, economic crises, and world-shaking events. The chart below, which tracks market growth over decades of U.S. presidential administrations, powerfully illustrates this. It paints a clear picture:[...]
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How Retirement Funds Are Dealt with in Divorce:

How Retirement Funds Are Dealt with in Divorce: Navigating Complex Financial Decisions Across Different Marriage Types
Navigating Complex Financial Decisions Across Different Marriage Types By Jonathan Theunissen, CFP ® Divorce is never easy, and when retirement funds are involved, the financial complexities can add additional stress. In South Africa, the treatment of retirement products during divorce is governed by a series of legislative provisions, including the Divorce Act 70 of 1979,[...]
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Diminished Mental Capacity and Financial Planning

Diminished Mental Capacity and Financial Planning
By Jonathan Theunissen, CFP ® As medical advancements continue to extend life expectancy, more individuals are living longer, increasing the prevalence of dementia and other forms of mental incapacity. This shift places significant emotional and financial pressure on families, who must navigate the complex process of safeguarding the financial well-being of their loved ones. Understanding[...]
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Estate Planning for Parents

By Jonathan Theunissen, CFP ® Having a valid will is crucial, especially when minor children are involved. Without one, you lose control over the distribution of your assets upon your death, leaving the decision to be governed by law, specifically the Intestate Succession Act. This can place additional emotional and logistical burdens on your loved[...]
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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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