Financial planning Archives

Why Liquidity Matters at Every Stage of Life

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[...]

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 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[...]

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[...]

by Stienemarié Bonsma-Potgieter
Posted on October 28, 2025
in Budgeting, Financial planning, Investing

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner Spring is the season of fresh starts. Just as you might clear out cupboards or tidy the garden, it’s the perfect time to give your finances the same attention. A financial spring clean helps you see where you stand, fix what’s out of order, and set up good habits[...]

by Katlego Mei
Posted on September 19, 2025
in Estate planning, Financial planning, Wills

Dying without a valid will in South Africa can lead to serious financial and emotionalchallenges for your loved ones, making it crucial to have a properly drafted will inPlace. When someone passes away without a valid will, the distribution of theirestate is governed by the Intestate Succession Act. This means the estate will bedivided according[...]

Financial planning

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

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

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

Money Resolutions That Actually Stick

Gambling vs Investing: Building a Portfolio That Lasts

Spring Cleaning Your Finances: How to Get Organised Before the Year-End Rush

Don’t Leave Your Loved Ones Guessing: Why Every South African Needs a Valid Will

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