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Thoughtful perspectives on financial planning, decision-making, and navigating complex financial lives.

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DFM Fees and understanding what you're actually paying

DFM Fees in South Africa: What You’re Actually Paying, and to Whom

Many advisers now earn from the investment products they recommend, ....
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how to choose a financial advisor in south africa by henceforward

How to Choose a Financial Advisor: The Two Questions That Matter Most

Choosing a financial advisor comes down to two questions most ....
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financial planning for executives and how to deal with your share options by henceforward

Financial Planning for Executives: Don’t Let One Company Own Your Future

For most executives, the biggest risk isn't the market — ....
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Value of financial advice when information is free by Henceforward

The Value of Financial Advice: When Information Is Free

Is financial advice still worth paying for in the age ....
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Cross-border financial planning for South Africans — a Cape Town coastline meeting a global city skyline at golden hour.

Cross-Border Financial Planning: One Life, Two Tax Systems

If your life, income, or family spans more than one ....
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Investing in Gold. Not always as obvious as you think.

Investing in Gold: A Structural Allocation, Not a Bet

Gold has a real place in a portfolio — but ....
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Investing in AI for South Africans by Henceforward

Investing in AI: Why the Most Valuable Layer Is the Hardest to Call

"Investing in AI" isn't one decision — it's five. We ....
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What to do after selling your business in South Africa — diversifying the proceeds

Life After Selling Your Business: What to Do With the Money

Selling your business turns years of work into a single ....
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why active managers underperform, the brilliant people with a broken compass

The Brilliant People With Broken Compasses

Most active managers are smart, credentialed, and rigorous — and ....
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financial literacy in south africa by Henceforward

Financial Literacy in South Africa: The Foundations That Actually Matter

The money foundations that actually matter in South Africa — ....
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understand the relationship between investment risk and returns in building a portfolio by henceforward

Investment Risk and Return: How Much Should You Take?

Risk and return are inseparable — you can't have one ....
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Best balanced funds for retirees in South Africa by Henceforward

Best Balanced Funds for Retirees: Why the Highest Return Is the Wrong Target

There's no single best balanced fund for retirees. Looking at ....
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Best Asset Management Firms in South Africa in 2026 by Henceforward

Best Asset Management Firms in South Africa: The 2026 Rankings

We screened 1,400+ retail funds across 14 ASISA categories to ....
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surviving spouse financial planning case study by Henceforward

Everything Was There: No One Had Written It Down

Margaret inherited responsibility for a R75 million estate after her ....
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Case study on financial planning after business exit in South Africa by Henceforward

When the Business Sells, the Real Work Begins

Ruan exited his professional services partnership at 47 with R17 ....
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