Lifestyle Financial Planning
Bond approval is not the same as affordability. We unpack the full costs, risks and planning decisions first-time buyers should consider before purchasing a home.
Your twenties offer a financial advantage that cannot be recreated later: time. From investing from your first salary and controlling lifestyle creep to protecting your income and building financial independence, these 20 practical money moves can help young professionals create
Old policies, scattered investments, unnecessary bank accounts and outdated estate planning documents can create hidden costs and complexity. We examine how financial clutter develops, why it can weaken a financial plan and what should be considered when reviewing whether every
Risk cover protects the income and continuity on which wealth creation depends. A well-structured combination of income protection, disability, severe illness and life cover can prevent an unexpected event from derailing a financial plan while capital is still being accumulated.
Many South Africans are financially responsible for a wider circle of people than their formal financial plan reflects. From adult children and ageing parents to siblings, grandchildren and extended family members, these invisible dependants can place pressure on cash flow,
Many South Africans find themselves caught between supporting adult children and ageing parents while trying to protect their own retirement security. This article explores the financial realities facing the sandwich generation and explains why honest conversations, clear boundaries and multi-generational
Determining how much severe illness cover you need requires more than choosing a lump-sum amount. Your medical aid, income protection, disability benefits, emergency savings, support system and financial position must all be considered to ensure your cover is affordable, coordinated
A woman’s financial priorities evolve throughout her life. This article explores seven key life stages, from building a career and planning for children to supporting ageing parents, preparing for retirement and arranging later-life care, with practical guidance to help women
Wealth creation is seldom the result of one grand financial decision, but rather the cumulative effect of small, consistent, well-considered choices made over many years. In this article, we unpack 12 practical principles for creating and preserving wealth over time.
A holiday home can create decades of family memories, but the purchase price is only the beginning. Drawing on our own 25-year journey towards buying in Arniston, we explore the timing, costs, liquidity, rental, ownership and long-term planning questions every
