Guided or manipulated?

Guided or manipulated?

Good advice has always been about helping people make wise choices. But in the age of behavioural finance, there’s a new layer to consider: how we help people make those choices. Enter the concept of “nudging.” A nudge is a subtle prompt designed to steer...
APRIL 2025

APRIL 2025

INVESTMENT MARKET UPDATE APRIL 2025 What developments have unfolded in local and global markets throughout the month of APRIL? 2.7% SA Headline y/y inflation slowed to below consensus 1.0% IMF downgraded SA’s 2025 GDP Forecast $3500/oz Gold surged in April...
Engaging with your financial plan

Engaging with your financial plan

Financial planning, like therapy or coaching, isn’t just about solving a problem. It’s about holding a safe space where real change can happen. That space might be a spreadsheet, a conversation, or a long-term plan, but for the work to go deep and stick, it must feel...
What is fear costing you?

What is fear costing you?

Most of us like to think we’re being practical with our money. We weigh up the risks, run the numbers, and avoid decisions that feel too uncertain. But here’s a thought: what if what we call “practical” is sometimes just fear in disguise? It’s...
Meaningful and secure planning

Meaningful and secure planning

Real financial planning goes far beyond spreadsheets, securities and stocks. It’s about connecting money to life. And sometimes, the most important questions aren’t just “Can we afford it?”, but, “Is this the right decision for our lives right now?” In a recent...