If money decisions were purely mathematical, personal finance would be easy. Spend less than you earn, invest in low-cost index funds, and let compound interest do its thing. But as anyone who’s ever faced a financial dilemma knows, money is emotional, unpredictable, and deeply personal. Morgan Housel, in The Psychology of Money, makes a compelling […]
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Predictions, Plans, and the Power of Perspective
If history has taught us anything, it’s that predicting the future—especially when it comes to markets—is an exercise in futility. Every year, analysts, economists, and investment strategists make bold forecasts about where stocks will land, how interest rates will shift, and what geopolitical events will shake the financial world. And every year, those predictions are […]
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It isn’t just about knowledge
It’s a tempting idea, isn’t it? The thought of managing your own finances, crafting your own investment strategy, and making the “right” moves with your money—all without the need for professional guidance. After all, the information is out there. Books, podcasts, courses, and countless personal finance influencers promise that with a little effort, you can […]
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The cost of trust
Financial advice is about more than just investments and returns—it’s about trust. And one of the most important, yet often overlooked, aspects of that trust is how you pay for your financial advice. It’s a conversation that affects every investor, expat, and retiree, regardless of where they are in the world. Broadly speaking, financial advisers […]
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Context over cash
Imagine this: You’re sitting around a table with friends, and the conversation shifts to money. Someone is buying a new car, another just paid off their house, and someone else is debating whether to invest in the stock market or property. Advice gets tossed around freely—”You should do what I did!”—as if there’s a one-size-fits-all […]
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It’s not accidental; it’s intentional.
No one stumbles into wealth by accident. Even those who win the lottery often find themselves broke again within a few years. It’s also not about trying to cut back on your take-out coffee. Financial success isn’t about luck, and it’s not about making one perfect decision that changes everything. It’s about consistent, intentional choices […]
Continue readingMember Communication – Retirement Reform Changes
Download our latest member communication regarding Retirement reform changes.
Continue readingDebt and financial planning
Debt can be an obstacle in preventing you from living your best life possible with the money you have. Debt can spiral out of control quickly and too much debt can cause stress, family pressure and even affect your work. The first step to a successful financial plan is to set up a budget and […]
Continue readingFinancial planning pricing
Standard An asset map is provided to all clients, which includes a target map on how to achieve your needs and goals. Ongoing servicing and reviews are included, and the fees are not payable directly by you, as fees are earned by way of: Standard commissions earned on products (e.g. insurance policies and medical aids) *Ongoing […]
Continue readingThe impact of COVID-19 on your investments
Markets across the globe, collapsed in March, and although these have somewhat recovered in April, if you received your quarterly statements you would have seen a drop in your market value. This can be quite frightening, and you may have a feeling that you need to do something. It is best not to change your […]
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