Finstop BlueStar - Financial Advisory Services authorised by Sanlam

We’re excited to share that Finstop BlueStar - Financial Advisory Services authorised by Sanlam received the BlueStar of The Year 2023 award at the Sanlam BlueStar conference in Umhlanga. This achievement is a testament to our commitment to excellence, made possible by your trust and support. We're proud of our team's hard work, and we couldn't have done it without your support. Thank you for being a vital part of our journey. We look forward to continuing to provide top-notch financial solutions to help you reach your goals.

In South Africa, car theft and hijackings pose persistent challenges. Safeguard your family and assets with short-term insurance - your safety net in navigating the nation's unique risks. 🇿🇦 Here's how to safe on the road and at home. https://bit.ly/4bl0FVh

Important message from the Fiduciary Institute of Southern Africa (FISA). An estate plan should be able to meet the short-term income needs of your beneficiaries since it can take years for an estate to be wound up. Remember, it's always sensible to consult with a financial adviser or an experienced estate planner when developing and reviewing your estate plan. This will ensure that it is tailored to your specific needs and goals. Finstop BlueStar 📞 021 947 4046 📧 admin@finstopbluestar.co.za https://bit.ly/4dIOHq5

Gap Cover is a short-term insurance product. It covers financial shortfalls during hospital stays when healthcare professionals (doctors/ specialists) charge more than your medical scheme rate. Even those on higher medial aid plans may still experience gaps between their medical aid scheme reimbursement rate and what the service providers charge. Learn more below. https://bit.ly/3WG514S

🚻 MOMS & DADS - YOU NEED TO HAVE A WILL. HERE'S WHY: 📜📜📜📜📜 Having a will is not a luxury of the wealthy; in fact, one could argue that middle income earners require the protection of a will more so than their wealthy counterparts. Should you die without a valid will in place; the winding up of your estate will follow the requirements set in the Intestate Succession Act, thus disregarding any wishes that you may have had regarding the disbursement of your wealth. 📜📜📜📜📜 What about kids? Should your heirs be minors, their inheritance will be placed in The Guardians fund to be managed by the state until they are 18 years of age. The surviving spouse may end up receiving a much-reduced share of the inheritance. 📜📜📜📜📜 Did you know... After all assets are sold, there is a possibility that the surviving spouse may not have sufficient funds to provide for the basic necessities of the household. Make sure you have the final say, draft a will! Speak to a financial adviser at Finstop BlueStar anytime for assistance - 021 947 4046 https://lnkd.in/dMpgX-my #Women #Moms #Mothers #Dads #FinancialPlanning #EstatePlanning #Wills

📝👨💼 Many people in their late 20s, 30s and even their 40s think they've got a good life, and that it's going to last forever," says Sherwin Govender, Business Development Manager at Glacier. 💰 💭"But very few consider how their lives will be when they leave work for good and no longer receive a salary." 💡📋 He suggests a checklist of things to do to get your retirement savings on track, as early as possible. Read more on our blog: https://lnkd.in/dm8eMmVi #RetirementPlanning #FinancialPlanning #SavingsTips #PayDay #PayCheque

Whether single motherhood is by intent or not, the costs involved tend to be extremely high. SHARE this with a family member, colleague or friend on WhatsApp who needs to see this - https://lnkd.in/dZcAQp68 Raising a child on one income is tough, and in South Africa this scenario applies mostly to women. This blog article on our new website shares some financial and general planning pointers for single mothers. https://lnkd.in/dM9Ea5Uv #FinancialPlanningForParents #moms #mothers

What power do women have over finances? Within our society,👨👩👧👦 women have often been on the back foot when it comes to retirement. To help them bridge the gap, we offer the following advice to women when it comes to engaging with a financial adviser in terms of their financial and retirement planning: 1️⃣ Be empowered to take control of your own finances by utilizing educational opportunities to upskill your financial literacy. Additionally, as a woman you should consider the benefits of having your own bank accounts.💳 2️⃣ Build your own contingency fund to cover for emergencies and unforeseen expenses. 📈 The size of the fund should be between three and six times your monthly salary💰. The fund should ideally be invested in a money market account, tax-free savings or unit trust where it can earn returns. 3️⃣ Be aware of the four Ds: 🔒Death, 🔒Disability, 🔒Divorce, and 🔒Dependency. It's advisable to plan for every eventuality – for example, if the female head of the household passed away or became disabled, this would affect the whole family emotionally and financially. In terms of the other D – divorce – a financial planner can assist women to determine post-divorce costs even before they start to negotiate the settlement. Additionally, it's important for women to build their own 📈investment portfolios alongside their spouses to create financial inter-dependence and tax efficiencies. Speak to a financial planner at Finstop BlueStar ☎️ 021 947 4046 or leave a message below to be contacted https://lnkd.in/dMpgX-my #women #mothers #moms #financialplanningforwomen

Jacques wants you to take a look at these 10 considerations before putting together your retirement plan. Retirement is not a once-off event, and planning for it shouldn’t be, either. Consider these 10 factors as you get started. 🌟 #1: Build Your Nest Egg Start saving early to ensure a financially secure retirement. Planning ahead helps you manage your money effectively and develop strong saving habits. We recommend getting started once you start earning. 🌟 #2: Know Your Needs Every individual has unique retirement needs. Consider your daily expenses, monthly overheads, and other essentials when planning and saving for retirement. 🌟 #3: Identify Your Wants Dreaming of travelling or pursuing new hobbies in retirement? Think about how you want your retirement to look and feel. Identifying your lifestyle goals helps you plan your retirement income effectively. 🌟 #4: Support Your Dependents If you have dependents, consider their welfare and education costs. Factor these expenses into your retirement planning to ensure you're adequately prepared. 🌟 #5: Prepare for Emergencies Set up an emergency fund to cover unforeseen expenses during retirement. Jacques is able to recommend solutions like the Glacier Investment Plan for additional liquidity when needed. 🌟 #6: Plan Your Legacy Consider leaving a portion of your savings to your loved ones. Explore retirement income solutions that allow you to pass on your wealth to beneficiaries or your estate. 🌟 #7: Be Tax-Smart Optimize your retirement savings for tax efficiency. Explore options like tax-free savings accounts (TFSA) to supplement your retirement income. 🌟 #8: Keep Planning Flexible Your retirement plan may evolve over time. Regularly review and adjust your plan with the help of your financial adviser to stay on track. 🌟 #9: Manage Risks Mitigate risks associated with retirement, such as longevity risk and sequence risk. Discuss strategies with your financial adviser to ensure your savings last. 🌟 #10: Choose the Right Solution There's no one-size-fits-all retirement income solution. Work with a financial adviser like Jacques Vivier (0829405271) to create a personalised plan that meets your needs and goals. Ready to make the most of your retirement? 🚀 Speak to us at Finstop BlueStar https://lnkd.in/dh6u6rHF #RetirementPlanning #FinancialFreedom #GlacierBySanlam

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