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Financial planning
Businesses recognize the importance of financial planning, and larger ones will have entire departments dedicated to this important aspect of keeping a business healthy. Individuals could also benefit greatly from doing financial planning related to their personal and...
What is Death benefits?
Death benefits refer to those benefits that are paid out by an insurance company when a person who has life cover dies. Even though the term is most often used as a plural, death benefits in practice refers to a single lump sum of money that is paid to the insured’s...
Death Benefits
It is undeniable. You are a hard worker and you are selfless. It may be a grim truth, but death is inevitable. In the death of hardworking individuals, the dependents always come first. The UIF (Unemployment Insurance Fund) takes care of the deceased worker’s death...
Retirement Planning Mistake #5: Not Updating Your Retirement Plan
Markets rise and fall, as do levels of income and expenses, so it is important that your retirement plan be revisited every few years to take this into account. If your last retirement plan was done five years ago, prior to your second child being born, your spouse’s...
Retirement Planning Mistake #4: Not Saving Enough Then and Now
Don’t wait to start saving for retirement. The sooner you get started, the greater your chance of reaching your retirement goal because compound interest can work its magic. To quote Einstein, “Compound interest is the eighth wonder of the world. He who understands...
Retirement Planning Mistake #3: No Long-Term Care Plan
Anyone who has cared for an aging parent knows first-hand the toll it can take on their loved ones and their savings. Both the time and money needed to provide quality care can be staggering. According to the US Department of Health, 70% of people over 65 will require...
Retirement Planning Mistake #2: Disregarding Higher Health Care Costs
One of the most overlooked areas of retirement planning is estimating what health care costs could be in retirement, and including this in the calculation of income needs. Fidelity estimated that a 65-year-old married couple that retired in 2012 will incur an average...
Retirement Planning Mistake #1: Living Too Large
The first question I ask clients when discussing their retirement plan is, ‘how much income do you need to maintain your current lifestyle in retirement?’ Not surprisingly, for the vast majority the answer is, “I don’t know,” or they’ve made an inaccurate...
The 5 Biggest Retirement Planning Mistakes You Can Avoid
Everyone is worried about the future. No one can be sure of what it holds, especially when it comes to planning your retirement. While surfing on the internet I came across this helpful article on the Forbes website relating to planning your retirement for the...
Choosing the Right Sized Life Insurance Policy
Life insurance is one of those confusing things that most people do not think about, or in some cases, do not want to think about. It is, however, a necessary evil and it is just as important as any other investment you make or consider making. The first step to...
Finding the Right Life Insurance Policy for You
Life insurance, most people discount it but when the time comes, it can mean the difference between your family having what they need to make it through and struggling financially. Funeral and final costs can be staggering and they are growing every day. Social...
Life Insurance Check Ups
When you have a life insurance policy or when you obtain one, you may be required to submit to a checkup. This is determine what the risks are in taking or keeping you as a customer. An insurance company will not tell you that they will not insure you as a general...
What happens when you die without a valid will?
Not an easy picture to absorb. So don’t delay and call Charl Oosthuizen today to ensure this is taken care of.
How to Plan for The Future No Matter How Old You Are
To plan your future always seems so unnecessary until you have reached this day. Then it’s too late. Call and book a free consultation with Charl today!
