Financial planning Archives

Why Investors Spend More Time Choosing Holidays Than Structuring Wealth

By Frank Daubenton, CFP ® Most people will spend weeks planning a holiday. They compare destinations, read reviews, consider risks, evaluate costs and think carefully about the experience they want. Flights are researched, accommodation is scrutinised and alternatives are weighed up. The decision-making process is often deliberate because the outcome feels immediate and tangible. Yet[...]

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner Many people hear the words “financial planning” and immediately think of investments. They picture unit trusts, retirement funds, market performance and charts showing whether their money has grown. Investments are part of financial planning, but they are only one part. Real financial planning is about connecting your money to[...]

By Katlego Mei, CFP ® Most people have a few money tasks they keep pushing aside. Updating a will. Checking beneficiary details. Reviewing insurance cover. Paying down the credit card. These tasks often feel boring, uncomfortable, or easy to delay. So we say, “I’ll fix it later.” The problem is that “later” can become expensive.[...]

By Jonathan Theunissen, CFP ® The other morning, I noticed something that stuck with me. A group of dads cycling with their kids to school. Every child wearing a helmet. Not a single dad was. It’s a small thing. Almost unremarkable. But it says a lot. The kids are protected. The risk is acknowledged. The[...]

By Katlego Mei, CFP ® Divorce is rarely just an emotional or legal event; it’s also a major financial reset. Overnight, one household becomes two and long‑term plans like retirement, buying a home, or funding children’s education can suddenly feel out of reach. The good news is that with a clear, structured approach, it’s possible[...]

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner Starting to invest is one of the most important financial decisions a person can make, yet it is often delayed for too long. Many people wait because they want the timing to feel right. They hope markets will settle, uncertainty will ease, and a clearer moment to begin will[...]

By Katlego Mei, CFP ® Many people think a good investment strategy is only about growth. They focus on returns, market performance, and picking the right products. That matters. But there is another part of investing that deserves just as much attention: liquidity. Liquidity simply means having access to money when you need it. It[...]

By Frank Daubenton, CFP® Retirement can simplify your lifestyle. It often complicates your tax position. The difference between a comfortable income and unnecessary tax can come down to where your money is drawn from and how those income streams are structured. Why retirees often pay more tax than necessary Many retirees pay more tax than[...]

by Jonathan Theunissen
Posted on April 21, 2026
in Budgeting, Financial planning, Investing

By Jonathan Theunissen, CFP ® Intelligence helps people solve problems, build careers, and handle complexity. But money does not always reward intelligence. Many capable, successful people still overspend, delay investing, take unnecessary risks, or avoid basic financial planning. That may seem surprising, but it is common because money decisions are rarely driven by knowledge alone.[...]

By Katlego Mei, CFP ® For many people, earning more should mean making real financial progress. Yet that is often not what happens. Income rises, but savings do not. Debt remains. Financial stress stays close. The reason is usually lifestyle creep. Lifestyle creep happens when your spending rises as your income rises. At first, it[...]

Financial planning

Why Investors Spend More Time Choosing Holidays Than Structuring Wealth

What financial planning actually means

Rethinking the Financial Habits We Keep Putting Off

Why Some Wear Helmets and Others Don’t: What It Says About How We Approach Money

Rebuilding after a divorce: A practical personal‑finance reset

The Power of Phasing In Capital When You Start Investing

Why Liquidity Matters at Every Stage of Life

Tax in Retirement: How to Keep More of Your Income

Why Smart People Still Make Bad Money Decisions

Lifestyle Creep: The Quiet Threat to Building Wealth

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