Newsletters

Making the Most of Your First Paycheck Earning a first paycheck is a big step in anyone’s life. The value of that money in your bank account goes well beyond just the financial. It’s a significant psychological shift. It is a moment of great opportunity, but also one fraught with challenges. In this article we…

The Ultimate Gift: Maximising Your Child’s TFSA from Day One They say that nothing comes for free, but for South African investors there is an exception. Tax-free savings accounts give investors tax-free growth on their money, making them a powerful wealth creation tool. They are most powerful when they are given time to work their…

What if You Live Longer Than You Thought You Would? We spend our whole lives planning for retirement. While nurturing our nest egg, we worry about short-term risks. Things like wars, elections, interest rates, leaking roofs and tax breaks. But how many of us stop to consider the prospect of living to 90 or 100?…

Snakes and Ladders: Managing Your Money in a World That’s Lost the Rulebook What could a childhood board game possibly have to do with investment advice? Quite a lot, it turns out. Uncertainty has always been a feature of human history. But in recent years, the volatility has ramped up several notches. Change is everywhere,…

The “Grey Zone”: It’s Time to Redefine Retirement Retirement has long been seen as a binary switch: you worked until 60 or 65, and then shuffled off to live off your pension.  But so much has changed. Economic shifts, increased longevity, and the “fractionalisation” of the workplace have birthed a new era: The “grey zone”….

Your Year-End Tax Checklist: Smart Moves Before 28 February As we approach the end of the tax year, now is an ideal time to make a few strategic adjustments that can strengthen your financial position.  These steps are simple, high-impact, and designed to help you make the most of the tax incentives available to South…

Turn Intentions into Outcomes: Setting SMART Investment Goals for 2026 A new year can bring renewed motivation to take control of your finances. But vague ambitions like “I want to save more” or “I need to invest better” rarely lead to meaningful progress.  The most effective investors are the ones who set clear, realistic goals…

Thank you for your support during the year.Best wishes for the festive season and happy new year to all. Our offices will be closed from 25 December and re-open on 5 January 2026. The Psychology of Generosity Financial planning is often thought of as merely a numbers game. But while investment returns are an extremely…

Are You Financially Fluent or Just Faking It? Have you ever wondered why your career is flourishing, but the value of your investment isn’t? From keeping too much cash on hand and falling for “get rich quick” schemes to confusing wants with needs, many people unknowingly sabotage their financial future.  This article explores common money…

FOBO: The Silent Saboteur of Wealth Few threats menace the world of wealth creation as silently, and as corrosively, as FOBO: Fear of Better Options.  Unlike its impulsive cousin FOMO (Fear of Missing Out), FOBO doesn’t drive action. Instead, it whispers, “Wait. Something better might come.” And in that interval, wealth quietly departs. READ MORE…