Unlock the secrets to strategic cashflow investing! When home loans are paid and kids are grown, focus on balance. Understand optimal asset allocation across cash, bonds, property, and shares for secure growth. Balance is key!  Listen now: youtu.be/SfPw8LE73Co

Age-based asset allocation can be a trap! Experts say focusing too much on age means missing huge growth potential. Prioritize long-term investment over outdated rules of thumb.  Listen now: youtu.be/SfPw8LE73Co

[New Article]  What’s Your Life and Disability Insurance Gap? - Martin Hesse "South Africans are heavily underinsured for death or disability, according to the 2025 Insurance Gap Study undertaken by actuarial firm True South Advisory..." Read more now: bit.ly/47F7yQM

Inflation is the biggest threat to retirement savings. Shares and property offer the best defense. A balanced unit trust typically allocates 60-75% to shares/property, with the rest split between cash and bonds for stable growth.  Watch now: youtu.be/SfPw8LE73Co

Investors often focus on market volatility. But there’s another risk: inflation. It quietly erodes purchasing power. Shares and property are the keys to beating inflation and securing long-term financial health.  Watch now: youtu.be/SfPw8LE73Co

Explore tax-efficient investment vehicles: tax-free savings accounts, retirement annuities, and endowments. Discover how a balanced approach can minimize capital gains and optimize your financial strategy.  Watch now: youtu.be/SfPw8LE73Co

In today's episode, Warren Ingram and Pieter de Villiers discuss the common misconceptions about tax planning and emphasizes the importance of focusing on investment growth rather than solely on tax efficiency.  Listen now: bit.ly/49FZhhM

[New Article]  Treasury Backs Down on Taxing Foreign Pensions- Martin Hesse "People who have retired here after living & working overseas and who receive a pension from a foreign source are currently exempt from paying income tax in SA."  Read now: bit.ly/4hVeoWW

Fragmented portfolios need clarity. It starts with understanding how investments, insurance, estate, & tax planning connect. A single decision can ripple across all areas. Align these gears for optimal tax, life, and retirement results.  Watch now: youtu.be/P6aK5q4kHvE

Worried about estate duty? Strategically nominate beneficiaries, donate to adult children or trusts, and leverage annual donation tax benefits. Ensure your financial products serve your bigger life purpose.  Listen now: youtu.be/P6aK5q4kHvE

[New Article]  How Driving Demerits Will Affect Your Car Insurance - Martin Hesse "Driving demerit systems have been introduced worldwide to encourage motorists to obey the traffic laws and drive more safely." Read now: bit.ly/3Lu6GqB

A solid estate plan brings clarity on executor fees, estate duty, and capital gains taxes. Planning ahead allows for cost reduction through endowments, retirement annuities, and executor fee negotiation. Don't wait!  Listen now: youtu.be/P6aK5q4kHvE

Wills and insurance policies are crucial, but outdated documents can cause problems. Review beneficiary nominations on all financial products to ensure assets are distributed according to current wishes and minimize estate taxes. Watch now: youtu.be/P6aK5q4kHvE

[New Article] Black Friday & Festive Spending: Smart Choices for South Africans  "As the year draws to an end, the shopping buzz grows, especially around the annual Black Friday event and the broader festive season." Read now: bit.ly/4qOHtHy

Annual medical aid rate hikes often sting. With increases outpacing salary growth, individuals need a solid financial plan. Benefits like group insurance & share schemes also impact overall financial and estate strategies. Plan ahead. Watch now: youtu.be/P6aK5q4kHvE

In today's episode, Warren Ingram & Pieter de Villiers speak about the complexities of long-term relationships, particularly focusing on communication, decision-making & how differing perspectives can emerge even after many years of marriage. Listen now: bit.ly/4hT38KL

[New Article]  Tips on Choosing a Medical Aid Plan for Next Year- Martin Hesse "At the end of each year, medical schemes provide a window period for members to change their plans, correctly known as “options”, for the following year." Read more now: f.mtr.cool/iuoltauqmu

🔥 Price Drop! Warren Ingram’s top finance + personal growth books are now discounted. Limited stock — once they’re gone, they’re gone! 📚 Shop now: bit.ly/44ObvAW

Don't avoid conversations about your future. Being clear with loved ones about your retirement vision is key. Aligning on priorities early makes for a rewarding life stage.  Watch now: youtu.be/YNQG66OLdQY

Retirement isn't just about leisure. It's about finding individual meaning, investing in friendships, and prioritizing your health. Don't let your body's sudden stop lead to unexpected problems.  Watch now: youtu.be/YNQG66OLdQY