Lifestyle Financial Planning
At its most obvious, overconfidence convinces investors that they have an edge over everyone else – something that usually results in stock picking, attempts to time entry and exit points, or chasing the latest performance story. The temptation is particularly
In times of uncertainty, holding cash feels safe. This is because cash is liquid, stable, and unaffected by the daily movement of markets. But, holding too much cash for too long exposes you to a less visible risk: inflation. Over
Insurance is often treated as optional—until life proves otherwise. We’ve seen families forced to liquidate assets or downscale drastically because a breadwinner was underinsured. The financial impact of death, disability, or severe illness can be absolutely devastating.
Periods of transition often represent inflection points in a client’s financial life. They generally mark the moment where long-standing assumptions are overturned, where future plans need to be reimagined, and where financial stability is often at risk. It is during
Tax is another area where divorce settlements can become unnecessarily expensive. Lump-sum payouts, child maintenance, and the division of investment assets each come with their own tax implications. For example, we’ve seen cases where a lump-sum settlement triggered a significant
Transitioning from a dual- to a single-income household can be one of the most challenging aspects of divorce. Ideally, prepare a flexible transitional budget that accounts for your anticipated monthly expenses with room for adjustments as and when new expenses
A sudden hospital stay should not bring your household’s financial functions to a halt. Debit orders must still run. Medical aid premiums, insurance policies, bond payments, and school fees need to be paid. Make sure a trusted person can access
While healthy and consistent habits can lead to financial independence, bad habits can be equally as powerful in the opposite direction. Frugality and a willingness to live within one’s means is a common habit of the financially sound. Financial independence
Underwriting is the process that life insurers use to assess the level of risk they are taking on when insuring an individual. Put simply, it’s how insurers determine whether to offer you cover, how much cover they are willing to
