Being invested in any investment market over the last 5 years has been one hell of a ride. Just in SA you would have experienced all time highs in some markets (JSE Allshare reaching above 60 000) and some spectacular crashes in others (SA Listed property index down 24% from its 1 year high), now […]
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My Last wishes..
17 – 21 September is national Wills week and while I have seen a few posts covered on the subject, I thought I would share a few points on the importance of having your last wishes correctly drawn up, some points on what you should definitely include in your Will and what you should exclude […]
Continue readingMore TagFinding your freedom.
This past week, I have been thinking a lot about freedom and what it means to my life and to the lives of my clients. It could have something to do with us travelling and experiencing the wonders of Greece, but that is just a catalyst of finding some form of freedom. Freedom means different […]
Continue readingMore TagSuccessful Women and their financial plan.
In light of women’s day tomorrow and August generally being the month to celebrate the women in your life, I thought I would touch on a few points that the successful women clients that I work with have always addressed and emphasized as being critical to their financial plan. Building and protecting their Legacy: This […]
Continue readingMore TagProduct, product, product.
Why is it that when we think of financial planning, we think “product”? When we think of retirement planning we think Retirement Annuity (PRODUCT). When we think of dying, becoming disabled, or getting cancer, we think Life Insurance (PRODUCT). When we think of our children’s future education, we think education policy (PRODUCT). When we think […]
Continue readingMore TagHow Much Risk cover is enough?
In the past the answer to that question would have been, “Well, how much are you prepared to pay each month? Give me that number and I’ll tell you how much cover you qualify for.” Sounds like an alright deal, if you are buying a TV maybe! Not so great if you are ensuring your […]
Continue readingMore TagHow Much Risk cover is enough?
In the past the answer to that question would have been, “Well, how much are you prepared to pay each month? Give me that number and I’ll tell you how much cover you qualify for.” Sounds like an alright deal, if you are buying a TV maybe! Not so great if you are ensuring your […]
Continue readingMore TagImplementation Fees.
Welcome to part two of a three part series on FEES. Time to be perfectly frank, implementation fees ARE the commissions slapped onto a particular product, which are meant to entice the planner to SELL, SELL, SELL and in a world where there hasn’t been an upfront financial planning fee charged and a client hasn’t […]
Continue readingMore TagUpfront Financial Planning Fees.
Welcome to part 1 of a 3 part series on FEES. Upfront financial planning fees are not those ridiculous commissions slapped onto a particular product which you as the client never actually see and enticed me as the planner to SELL, SELL, SELL. Neither are they the upfront percentages deducted off of your investment before […]
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