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

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retired couple considering how different parts of their wealth should be used.

When Does Wealth Become Genuinely Surplus?

When is wealth genuinely surplus? We distinguish the assets your ....
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A retired couple considering their plans for the years ahead.

Once You Have Enough to Retire: The Financial Question Changes

Once your retirement is comfortably funded, accumulating more may no ....
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regulation of trusts bill in south africa and image of the high court

South Africa Is Rewriting Its Trust Law: Here’s What Changes and What it Means for Trustees

South Africa's trust legislation is being rewritten from scratch. What ....
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Endowments and sinking funds in South Africa by Henceforward. When do they make sense?

Endowments: When the 30% Wrapper Actually Earns Its Keep

Should you invest in an endowment? The honest case for ....
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Should you consolidate your investments in South Africa — a practical guide

Should You Consolidate Your Investments:? A South African Guide

Consolidating your investments usually means lower fees and a clearer ....
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Different measuring instruments illustrating that volatility, benchmarks and returns answer different investment questions. Caption/attribution: TO CONFIRM if required by the selected image licence

Beating the Market: Is Not a Financial Plan

Beating a benchmark is not the same as achieving an ....
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The cost of financial complexity — accumulated accounts, policies and structures

The Cost of Financial Complexity: Who’s Watching the Whole Picture?

Financial complexity builds one sensible decision at a time — ....
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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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