Programmes

Our Programmes

All our programmes are custom designed for each client

Managing expectations/ social pressures
- How to manage black tax
- Avoiding keeping up with the Khumalos syndrome
How my personality affects how I handle finances
- What’s your money personality
- Are you able to say no and draw the line?
Budgeting techniques
- Assessing savings (emergency funds, education funds, extended family dynamics)
- Starting with the end in mind
SMART saving techniques
- Apps available that make it easier
- Short term goals vs. Medium term vs. Long term goals

Understanding my salary and benefits structure
- How does my provident fund work
- How to use your employee benefits in estate planning
Stakeholder management
- How to manage black tax
- Determine your money personality
How to eliminate duplication of risk benefits
- Understanding your group life
- What will your dependents get when you pass away
Life-staging
- Drafting a life stage plan, what needs to be in place at different stages of our lives
- How do choose the correct asset class/ investment using your age
Debt management
- Understanding how interest rates are determined
- Debt consolidation vs. debt counselling
Saving and Investing
- Products that are available and how they work
- How to identify investment schemes

Assess & Requote:
- Time to review all risk policies (car, house, etc.) shopping around for quotes can save you money
- Time to review all life policies, are all your financial dependents appropriately covered?
Debt Management:
- What’s the interest rate on your debt?
- Can you negotiate the interest rate on your house or car?
Knowing my credit status
- How your credit score affects how much interest is charged when buying a house or car
- How long it takes for your credit rating to improve
Estate planning
- Section 37C
- How will your Provident Fund money be distributed
- Are the children outside marriage entitled to a share?
- How your marriage regime will affect your Estate distribution
Saving and Investing
- What is the difference between saving and investing
- What’s the role of each
Use of financial products
- How to use my employee benefits to augment my life cover needs
- Which product to use for each of your dependants

Check retirement funds
- What you will need in retirement vs. what you actually have
- Can you increase your provident fund contribution
Plan to eliminate debt
- With reduced income in retirement, you cannot afford to have debt
- What other costs you need to buy and pay-up before retirement
Estate Planning
- Limitations of a Will
- Will your Estate have enough liquidity
What to do in retirement
- What plans are in place for frail care
- How will you pay for medical expenses
Financial products needed in retirement
- Life annuity vs. Living annuity
- Tax implications at retirement

Difference between
- Public sector funds, Pension Funds, Provident funds & Pension funds
Current employee benefits
- Understand what is in place & augment where necessary
Tax implications
- At resignation, at Retirement, at Preservation, at Divorce & at Death
  (General/Ret)
Managing debt
- Borrowing against your retirement fund
- How interest rates work
- Credit profiling
- Ways to reduce debt
Role of different financial products
- Life cover vs. Funeral
- Saving vs. Investing

Can be held as a standalone or alongside other wellness day initiatives
We will print Credit reports for participants along with other financial awareness tools
These will be onsite