Emergency Fund

It's vital to earmark enough money for any emergency that could undermine even the best-laid plans.

If you were to lose your job tomorrow, could you cover your needs for 3—6 months?Select an optionYesNoNot sure

Good for you.

That's wise protection that can help keep the rest of your finances moving forward.

That's a common problem among a vast majority of Americans. We can help you build that needed protection in your Personal Action Plan.

Then we want to make sure you can weather a setback, just in case. We've added some helpful tips in your Personal Action Plan.

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Credit Cards

Credit cards can make sense for certain purchases, but keep in mind: Any interest you pay eats into potential savings.

Do you pay your credit card in full each month or do you keep a balance?Select option herePay in full monthlyKeep a balanceI don't use credit cards

That's one surefire way to avoid debt.

But keep in mind: There are times when credit cards may make sense.

We'll show you when if you wish to set up a consultation.

That's smart.

You don't want to rack up high-interest debt. Keep that up.

That's pretty normal.

But we don't want that high-interest debt to spiral up on you.

You'll find helpful debt management tips in your Personal Action Plan.

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Contact Details

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Debt Reduction

When paying down debt, you want to focus first on debt that can damage your finances the most: high-interest debt.

Besides credit cards, have you eliminated all other high-interest debt? Select an optionYesNoNot sure

Nice! That's one less bill you need to worry about, letting you focus more on saving

Well, you have lots of company—many South Africans have similar debt difficulties. But let's help you build a plan for reducing it.

Our tips in your Personal Action Plan can be a good start.

Just in case, your Personal Action Plan now includes tips for reducing any debt.

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Retirement Plans

One key to a successful retirement: making the most of any workplace savings plan opportunities, where each rand saved has the potential to grow tax-deferred or tax-free.

Are you contributing enough to receive the full company match from your employer?YesNoNot available to me

Keep in mind, though:

You still have other powerful ways to save—with the potential of tax-deferred or tax-free growth. We'll show you in your Personal Action Plan.

OK, let's pause here for a second .... your employer's matching contribution is like "free money"! Contributing enough to earn it all could really help boost your balances. We'll show you ways to maximise this.

Beautiful!

Your company's contribution match is like "free money"—contributing enough to earn it all can make a big difference in helping to build your future nest egg.

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Personal Information

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Cash Cushion

One of your first savings goals should be to set aside enough cash to cover any unexpected bill that could knock your finances off course ...

Could you come up with R10 000 — R30 000 for a sudden expense that you may face?YesNoNot sure

Great!

You should make it a point to keep it that way.

No stress. We can come up with some ideas to help you build that cash cushion.

Ok then...
Let's make sure you build that cushion. We can help you create a personal financial plan.

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Retirement Savings

Saving an appropriate amount for retirement doesn't have to be guesswork.

As a rule of thumb, we recommends that you save a minimum of 15% of your income in a tax-advantaged investment vehicle.

Are you reaching a minimum investment mark?Select an optionYesNoNot sure

Excellent! Keep up the good work—you're doing better than most South Africans.

OK, saving 15% has actually proven tough for most South Africans.

But we'll show you how even a small increase in your contributions can make a big difference to your balances.

Then we'll show you how to make the most of this savings opportunity when we start building a relationship with you..

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Prioritising Goals

Saving for multiple goals can sometimes feel overwhelming, but we can help you gain some clarity.

Select an optionYesNoNot sure

Who doesn't, right? We can help you build a game plan for managing all your goals once we talk.

OK, then let's focus on helping you make the most of your retirement savings opportunities.

If another goal pops up at some point, we can help you build an action plan to help achieve it.

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Investment Strategy

Your goals can vary dramatically, including when you need the money and how much. That's why it's so important to build an approach to investing that's right for each individual goal.

Do you have an investment strategy that's appropriate for each specific goal?Select an optionYesNoNot sure

Fantastic.

Keep in mind, though: Market performance can still knock your investment mix out of balance from time to time.

We'll show you how to wisely review your portfolio.

That's a big to-do. We'll help you build an appropriate mix for each goal in your Personal Action Plan.

Alright. We can help you build an appropriate mix for each goal in your personal financial plan.

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Money Habits

Do you earn more than you spend?Select option hereYesNoNot sure

In fact, you're doing better than a large percentage of South Africans.

Half of middle-income South Africans spend their monthly salary within 5 days

 Well, you're not alone. A large percentage of South Africans are in the same boat. But we can help you fix that. Half of middle-income South Africans spend their monthly salary within 5 day.

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SUMMARY