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24 Jun 2026

Why holding on too tightly actually costs you

It doesn’t always make sense to let go, but sometimes we need to. When we work hard for our money, our natural instinct is to build a fortress around it. We want to protect it, hoard it, and make absolutely sure we never run out.

24 Jun 2026

The one asset you cannot afford to deplete

Modern hustle culture tells us a very specific, dangerous story: work longer, sleep less, push harder, and sacrifice your wellbeing today so you can be rich tomorrow.

24 Jun 2026

Are you spending your time, or investing it?

We are usually hyper-aware of how we spend our money. We check price tags, hunt for discounts, negotiate fees, and diligently review our bank statements.

More Articles & Insights

07 Jul 2026

Your Next Business Breakthrough

Every successful business reaches a point where doing more of the same no longer delivers better results. Whether you are looking to increase sales in a small business or take an established company to the next level, the principles behind sustainable growth are remarkably similar. Success comes from having a clear strategy, consistently delivering value, and continually improving every aspect of the business.

24 Jun 2026

The most elusive number

How much is enough? How much do you want to retire with? How much do you need to get out of debt?

24 Jun 2026

Leave room for life to happen

In financial planning, there is a strong temptation to optimise every single Rand. We want the perfect spreadsheet, the exact forecast, and a rigid roadmap for the next twenty years. We want the maths to be flawless.

24 Jun 2026

Why holding on too tightly actually costs you

24 Jun 2026

Are you spending your time, or investing it?

We are usually hyper-aware of how we spend our money. We check price tags, hunt for discounts, negotiate fees, and diligently review our bank statements.

24 Jun 2026

The one asset you cannot afford to deplete

Modern hustle culture tells us a very specific, dangerous story: work longer, sleep less, push harder, and sacrifice your wellbeing today so you can be rich tomorrow.

03 Jun 2026

Shaping Outcomes Beyond Circumstance

When last did you explore or contemplate the space between circumstance and consequence? This is something that our teams often find ourselves confronting - both for ourselves and for our clients.

03 Jun 2026

Your decisions speak to others

Your money is writing a story for the people around you.

03 Jun 2026

What are you voting for?

Have you ever considered that every Rand you spend is a vote for the life you want? It is very easy to fall into a state of financial autopilot, where our money simply disappears into convenience, subscriptions, emergencies and the expectations of others.

03 Jun 2026

Be the Captain of your Ship

You don't control the ocean, but you are the captain of the ship.

03 Jun 2026

Master your mind, not the markets

We frequently speak with people who’ve been led to understand that they need to understand the markets or how the economy in order to grow their wealth. Whilst these elements are certainly foundational factors in financial planning, they are often not the root of what holds us back from financial security.

03 Jun 2026

Focus on what you can change

You can’t change everything. Do what you can, and hold the rest loosely. There is a profound peace in knowing where your responsibility ends.

19 May 2026

Why practice development is no longer optional

The financial services advice industry is changing at a pace we have never experienced before. Market dynamics, regulation, client expectations, technology, and access to information continue to evolve simultaneously.

07 May 2026

The hidden cash leaks killing your business

Most businesses don’t fail because they aren’t profitable on paper. They fail because cash quietly drains away through gaps no one is watching—until it’s too late. This article highlights key areas where cash may be stuck or silently leaking, along with practical steps to fix it.

22 Apr 2026

A gift to the future you

In every profession, we have ‘crunch months’. It’s a month where there are extra deadlines, more client engagements or opportunities to grow our businesses and careers. February is one of those months…

22 Apr 2026

Don't let the tax tail wag the dog

Whenever you review your SARS statements, the pressure to "save tax" can be intense. We see advertisements for complex products promising massive write-offs. We feel the urge to move money just to lower our provisional tax bill.

22 Apr 2026

The magic of the “boring months”

Have you ever noticed that new beginnings are frequently fueled by enthusiasm and adrenaline? We set big goals, start new habits, and feel a rush of motivation.

22 Apr 2026

The only free lunch on the menu

There is an old saying in economics: "There is no such thing as a free lunch."

22 Apr 2026

Turning a disaster into a mild inconvenience

At Succession Financial Planning, we’ve noticed over the years that there will always be a lot of talk about "maximising returns" and "beating the market."

22 Apr 2026

Quieter, consistent moments

Throughout the year we have ‘hallmark moments’ where we celebrate each other. These could be days like Mother’s Day, Father’s Day, and Valentine’s Day. We are motivated by the media to spend more, do more, and show extravagance as a way to communicate gratitude.

16 Apr 2026

Clarity creates control

This adage highlights a common challenge: many businesses fall short because they don’t measure the activities and outcomes that drive their success. Business owners often focus on doing the work—understanding their product or service—without managing the resources, people, and processes that make the business thrive.

04 Mar 2026

Do you really need another resolution

We are approaching the season of the "Fresh Start." The magazines and marketing emails will soon be telling you to overhaul your diet, your wardrobe, and your bank account.

04 Mar 2026

Kindness — for your wallet and your wellbeing

We often view kindness as a "soft skill", a nice-to-have that belongs in our personal lives, far away from the rational logic of a spreadsheet.

04 Mar 2026

Multitasking isn’t always helpful

There is a pervasive myth in modern life that doing many things at once means being twice as efficient. If you want to build a new business, secure a promotion or simply level up, multitasking isn’t always helpful.

04 Mar 2026

Are you climbing the ladder, or just running on a treadmill?

There is a distinct difference between being efficient and being effective.

04 Mar 2026

The cost of ‘doing it tomorrow’

We all have that one task. It’s the item on the to-do list that keeps getting rewritten from Monday, to Tuesday, to Wednesday. It might be a difficult phone call, a complex report, or finally sorting out your will.

12 Dec 2025

Comparison Steals Your Peace

Comparison can steal your peace… AND derail your financial plan.

12 Dec 2025

Reset Your Rhythm – One Small Habit at a Time

December and January often bring disruption to our normal routines, but that disruption can be a chance to reset.

12 Dec 2025

The Gift of Presence over Presents

Your attention is the most generous gift you can give.

12 Dec 2025

Build Small Habits for Meaningful Change

Perhaps the key to long-term wellbeing is being able to incorporate gentle recalibration.

12 Dec 2025

Design Happiness Into Your Financial Life

Happiness is not something you postpone for the future; it is something you design for the present.

10 Dec 2025

Reconnect – Finding Your “Why” Again

We all go through seasons where life seems to run at full tilt; and, it’s easy to drift from what really matters.

04 Dec 2025

Look ‘em in the Eye!

How we present ourselves physically makes a significant difference when discussing matters such as money.

03 Dec 2025

Are You Loud Listening?

David Brooks coined the term “loud listening”. This kind of listening makes the other person feel truly heard.

02 Dec 2025

The Power of Asking Better Questions

When it comes to money, clarity isn’t just about the numbers; it’s about uncovering the motivations behind them.

24 Nov 2025

Planning for Life’s Pivots

We believe that money must serve your decisions, not dictate them.

18 Nov 2025

Protecting Your Legacy, Not Just Your Assets

Succession planning is a vital conversation in holistic, integrated financial planning.

18 Nov 2025

Silent Killers That Can Close Your Business

While most business owners focus on growth strategies, these silent killers quietly stalk businesses from within.

17 Nov 2025

Diversification

Harry Markowitz demonstrated that a diversified portfolio could offer improved performance and reduced risk.

10 Nov 2025

Traps That Derail Your Financial Calm

Cognitive Behavioural Therapy (CBT) offers some helpful tools for distorted thinking.

10 Nov 2025

From Critical to Confident!

So much of our money decisions start in our head… not with our bank balance.

10 Nov 2025

Your Inner Voice or Your Inner Saboteur

If you've ever beaten yourself up for making a bad financial decision, you’re not alone.

03 Nov 2025

Planning for Dignity, Not Just Decisions

Many of our clients want to help their parents as they age, especially when frailty sets in.

03 Nov 2025

Doing More vs Achieving More

Have you ever felt like you're doing everything… and getting nowhere?

03 Nov 2025

Simplify Choices, Increase Satisfaction

More choices equal more freedom, right? Not quite.

20 Oct 2025

Uncomfortable Truths, Powerful Teachers

Want to make better choices? Start with two powerful reminders: you will fail, and you will die.

22 Oct 2025

When Being Helpful isn’t Enough

Setting up a trust while your parents are still competent can offer flexibility, dignity, and peace of mind.

22 Oct 2025

When Power of Attorney isn’t a Catch-all

There are two types of POA in South Africa: A Special Power of Attorney and a General Power of Attorney.

22 Oct 2025

Legacy Isn’t Just about Money

When you hear the word “legacy,” what comes to mind? A will? A trust? A set of numbers on a spreadsheet?

22 Oct 2025

Hiding Financial Stress Doesn’t Protect Them

Silence doesn’t protect people. It isolates them, and prevents opportunities for growth, connection, and support.

21 Oct 2025

What Did Money Mean in Your Childhood?

Most of us carry money stories that were written long before we opened a bank account.

11 Aug 2025

Endurance Over Speed

Real financial resilience comes from being prepared when the trail turns rough.

11 Aug 2025

What’s Braking You?

Sometimes it’s not the lack of ambition that holds us back, but the brakes we’ve unknowingly put in place.

11 Aug 2025

The Strength of the Team

What really wins races isn’t just one dog pulling hardest; it’s the cohesion of the entire team working in sync.

30 Jul 2025

When Christmas Isn’t Just a Date

Joy doesn’t have to wait for the end of the year. Let’s bring it into every day.

30 Jul 2025

Are You Looking at Value, or Values?

When your values guide your financial decisions, things start to feel lighter, clearer, and more aligned.

30 Jul 2025

There’s More Than One Pie

The scarcity mindset means seeing life as a single pie; if someone else gets a bigger slice, there’s less for you.

18 Jul 2025

Crisis as a Course-correction

Financial planning often shows the most value when we experience transitions – either through choice or trauma.

18 Jul 2025

The Myth of Control and the Power of Presence

Financial planning is about preparing wisely so that when things change, you don’t lose your footing.

18 Jul 2025

Today is Where Your Potential Lives

Potential isn’t revealed in grand plans, but in small, intentional choices made today.

08 Jul 2025

Always Be Prepared

You should think ahead and practice how you'll respond to emergencies, so you're never caught off guard.

08 Jul 2025

Bouncing Forward

Over time, we’ve learnt that it's not just about bouncing back; it’s about bouncing forward.

08 Jul 2025

How Do You Measure Success?

Confidence built only on calm seas can be misleading. What happens when your boat gets rocked?

26 Jun 2025

It’s Only Dangerous When We Panic

It’s human to feel unprepared when something hard hits. And when we feel unprepared, we panic. But panic doesn’t fix anything… it only makes it worse. Panic drives us to cash out investments, cancel vital cover, or make hasty choices that compound the damage.

26 Jun 2025

Preparing for Rain

Did you ever go exploring at the back of your Gogo’s kitchen cupboard, and find a rusty old tin with folds of cash stashed away? Generations ago, people saved money in old coffee tins and tea boxes. These ‘rainy day funds’ weren’t flashy, but they worked. They covered the car repairs, the broken toilet and the emergency doctor’s visits.

26 Jun 2025

Crisis is Inevitable

Several years ago, our world was rocked by a crisis that none of us could have imagined. Some of us are still recovering from the losses experienced; we hope that you’re one of the few who are hopefully growing from the lessons learnt.

08 May 2025

Every Business Has Blind Spots

Micheal Gerber explains that as business owners we are juggling the roles of Technician, Manager and Entrepreneur.

08 May 2025

Business Grit When the Chips are Down

It’s 2 am and sleep escapes you, cash flow is tight, clients have gone quiet, and doubt creeps in. When the chips are down in business, every decision matters, and how you respond can define your future.

07 Apr 2025

The Holy Grail of Business Finance

We have all experienced the joys and woes of cash flow ups and downs.

26 Sept 2024

Building Financial Resilience

Robust financial habits can carry us through moments of weakness or uncertainty, to build financial resilience.

26 Sept 2024

Busy to Full – Embracing Intentional Living

What if we changed our view from 'busy' to 'full'? This shift can have a profound impact on how we see our lives.

26 Sept 2024

Understanding True Wealth

At SFP, we believe in a holistic approach to wealth that integrates happiness, health, and a sense of purpose.

26 Aug 2024

Fighting the Daily Financial Fumbles

At SFP, we aim to transform the daunting world of finance into a clear pathway tailored to your life goals.

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Long-term Investing and Success

Managing your finances is not just about securing your future, but also about enjoying your present.

26 Aug 2024

Tax Tables or Hieroglyphs?

It’s not surprising that understanding tax can feel like learning hieroglyphics.

18 Jul 2024

Business Success Through Accountability

Assigned accountability helps the owner(s) and employees to focus on outputs achieved versus inputs provided.

18 Jul 2024

How to Identify Your Blind Spots

Many entrepreneurs are not skilled or experienced to manage the full extent of what’s needed to run their business.

18 Jul 2024

When You Reach a Roadblock in Business

To own and operate a business is not for the faint-hearted. We will be faced with challenges from time to time.

18 Jul 2024

Why Financial Planning Matters

Rossouw highlights some financial planning elements which are overlooked or put on the back burner by businesses.

07 Jun 2024

10 Lessons in Leadership

In this article, Jannie Rossouw shares some of his key learnings on the topic of leadership.

07 Jun 2024

A Lesson in Marketing

The marketing strategy and its implementation is one of the things which we have control over in our business.

07 Jun 2024

How to Progress Your Business

Guidelines to spur you into action to move closer to your goals and targets; realising the vision of your business.

24 May 2024

Aligning Your Spending with Your Values

Ensuring that your spending habits reflect your values and goals can lead to a more fulfilling life.

24 May 2024

Focus on What You Can Control

Investing is uncertain and risky, provoking emotional responses. So, you should focus on what you can control.

24 May 2024

Your Money Mindset

Your money mindset is complex and personal, often rooted in subtle messages and experiences from your childhood.

30 Apr 2024

Continuous Improvement in Business

Which improvements, which can be implemented immediately, will improve the efficiency of our business operations?

30 Apr 2024

What People Really Buy

The answer to why people buy any product or service might be far removed from our perspective about our business.

30 Apr 2024

Keep Governance Simple

The Regulations Companies Act and Consumer Protection Act force businesses to rethink their governance.

30 Apr 2024

Selling or Buying a Business?

It is useful to have an expert on board to guide you through the complex process of buying or selling a business.

22 Apr 2024

Centuries of Success

If the average lifespan of businesses is 25 years, then why do some family businesses survive for centuries?

18 Apr 2024

You Can Control These Things

By managing what we can control in our businesses; we can navigate the maze of uncertainties and economic realities outside our control.

04 Apr 2024

Five Financial Challenges Faced by Enterprises

Financial challenges are a reality for enterprises, but they can be especially challenging for business owners.

04 Apr 2024

How to Convince More Clients to Buy from You

Actions speak louder than our words when we want to make a lasting and positive impression on a customer.

03 Apr 2024

The Plan Is to Keep Moving

Just like our bodies need movement to stay healthy, our finances also required dynamism to grow. So, keep moving.

03 Apr 2024

The Wellbeing of Being Wealthy

In our journey towards financial wellbeing, it's essential to distinguish between being rich and being wealthy.

03 Apr 2024

Your Personality and Your Financial Plan

In essence, our personalities, whether inclined towards introversion or extroversion, shape our financial journey.

03 Apr 2024

Confronting Excuses

A common hurdle we often encounter is the ease with which we slip into making excuses.

03 Apr 2024

Crafting a Debt-free Financial Plan

Recent data shows South Africa's debt situation is quite significant, with numerous individuals impacted.

03 Apr 2024

Start with Intention, and Keep it Going

Many of us aspire to bring about changes in our lives, but find it challenging to stick to the plans we set.

17 Jan 2024

Financial Discipline Through Daily Decisions

Financial planning isn't just in the grand strategy; it's also in the moments of discipline and decision-making.

17 Jan 2024

The Most Valuable Enterprise You'll Manage

We believe managing family dynamics and relationships is akin to running the most important business of your life.

17 Jan 2024

Compromise Is About Flexibility

Should you compromise on substantial financial matters, potentially giving up on something you highly value?

20 Dec 2023

How You Lead Influences How You Spend

Your approach to finances, like your leadership style, is influenced by your personal experiences and perspectives.

20 Dec 2023

Making Financial Decisions Amidst Burnout

Different money personalities respond to burnout in varied ways, so it’s essential to address it during the year.

20 Dec 2023

Reconnect, Recalibrate, Rejoice

We're dedicated to helping you reshape your financial path to align with your real objectives.

14 Nov 2023

Remodelling Your Mental Money Architecture

When it comes to our mental money architecture, cognitive reform challenges us to analyse our financial decisions.

14 Nov 2023

The Paradox of Power

Grounding yourself doesn’t come from reigning over the elements, but from letting the voyage unfold.

14 Nov 2023

Don't Live Someone Else's Life

The path to financial peace is rarely straight. It winds through hills and valleys of decisions.

20 Oct 2023

Harnessing the Eighth Wonder with a TFSA

A TFSA is an exemplary tool for bolstering your retirement funds or saving for special moments and dreams.

20 Oct 2023

Loans

Imagine embarking on a journey through a dense forest. The path you tread is the realm of financial decisions…

20 Oct 2023

Financial Independence

Self-reliance is rooted in the belief that the power to shape your financial trajectory is inherently yours.

15 Oct 2023

Rewarding Relationships vs Financial Planning

At SFP, we firmly believe that the essence of our work extends beyond mere numbers and financial strategy.

15 Sept 2023

The Positive Side of Stress

Managing stress is about taking control of your thoughts, your surroundings, and your problem-solving approach.

15 Sept 2023

A Guide to Positive Financial Thinking

We all have the power to transform our inner critic into an internal coach.

23 Aug 2023

Investment Insights From Fishing

Just like the best fisherman is one with experience, the most successful investors are those who stay the course.

23 Aug 2023

Defining the Lines in Our Budgets

Think of a budget as a map of financial priorities. Knowing your priorities will help make the journey smoother.

23 Aug 2023

Embracing the Healthy Discomfort of Growth

Much like in fitness, approaching our finances haphazardly can lead to less-than-desirable results.

26 Jul 2023

Navigating Financial Stress

By confronting your monetary concerns, you can alleviate stress levels and regain control over your life.

26 Jul 2023

Smart Spending – Optimising Your Expenses

Becoming proficient in managing finances often means navigating the tricky path of regulating our expenses.

26 Jul 2023

Efficient Motoring – Good for Your Pocket

One area that often goes unnoticed but holds the potential for abundant savings is our travel and commute habits.

15 May 2023

Pitfalls of Financial Advice on Social Media

Social media offers some valuable ideas for managing finances, but it’s crucial to approach them with caution.

15 May 2023

Smart Money Moves amidst Rising Interest Rates

At SFP, we understand the challenges that come with adapting to interest rate hikes.

15 May 2023

Deepening Our Financial Mindset With Empathy

Empathy is vital for financial planning. It can help us make better choices and align our finances with our values.

19 Apr 2023

Start Each Day Right

If you start your day with purpose and a positive mindset, you are more likely to be productive during the day.

19 Apr 2023

Values-based Financial Planning

Our personal values will influence any financial decisions we take.

19 Apr 2023

Knowing When to Push Pause

Balance is an essential aspect of our lives and plays a crucial role in our financial planning.

01 Mar 2023

Seeing right

Meaningful living comes from focusing on the positives. At SFP, we strive to look for colour and fluidity in life.

02 Mar 2023

Temperament, Not Intellect

“The most important quality for an investor is temperament, not intellect.” — Warren Buffett

01 Mar 2023

Monotasking for the Win

In today’s digitally overwhelmed world, multitasking may not be as healthy as we’ve been led to believe.

23 Jan 2023

Gifts That Can't Be Wrapped

Giving to yourself may sound selfish, but self-care is important and will leave you with more to offer others.

23 Jan 2023

How to Be More Productive

This article discusses four tips you can apply today to be more productive.

23 Jan 2023

Ask for Help

You’re not weak, everyone needs support. We thrive when we work together, so do not hesitate to ask for help.

05 Dec 2022

The End-of-year Clarity

With another year almost done, you may need to check your risk and protection planning for all those “what ifs”.

05 Dec 2022

Insulate and Protect Your Assets

Adequate asset protection should be in place before a claim or liability occurs.

05 Dec 2022

Can You Survive Without an Income?

Many clients struggled economically in lockdown, so we’d like to take a moment to discuss income protection.

04 May 2022

It’s About the Team, Not the Race

At SFP, we’ve found that those who join a winning team experience more success than those who try to go it alone.

04 May 2022

The Importance of Thinking Ahead

When it comes to your financial plan, you should take control and not only react to your decisions’ consequences.

04 May 2022

Insecurity Can Lead to Insight

It is normal to feel anxious during times of insecurity and crisis, but you have the power to overcome obstacles.

20 Apr 2022

Go SWOT Yourself

Without a plan, our future goals won’t become a reality. SWOT is a process to help you put a plan in place.

20 Apr 2022

The Heart of Successful Financial Planning

How you work with money is linked to how you live your life; so too is the heart of successful financial planning.

20 Apr 2022

Strategic Thinking

Strategy is deciding where you want to be and how you’re going to get there. We list five steps to get there.

08 Mar 2022

It’s More Than Wealth, It’s About Living Well

As Forrest Gump once said, “There’s only so much money a man really needs; the rest is just for showing off.”

08 Mar 2022

What Do You Focus on in Your Financial Plan?

Financial planning is about so much more than making and sticking to your budget. That’s just the entry point.

16 Feb 2022

Financial Planning for Your Parents

As we become adults, our parents reach an age where it becomes our turn to help them with their finances.

08 Mar 2022

What Succession Financial Planning Looks Like

Financial planning is a personal journey, because whilst we think money might be universal, it’s deeply personal.

06 Oct 2025

Joy Has a “Line Item”

There’s a difference between being careless with money and being joyless with it.

06 Oct 2025

Martyrdom Isn’t a Financial Strategy

We’re big believers in financial discipline, but not at the cost of your wellbeing.

06 Oct 2025

Budgets Are Windows, Not Walls

The word “budget” can make people cringe. It sounds like limits. Sacrifice. But at SFP, we see it differently.

03 Oct 2025

Employees: Achilles Heel or Differentiator?

Some employees lift the business higher, while others quietly drain energy, resources, and momentum.

03 Oct 2025

How Smart Tech Can Transform Your Business

There are real tech solutions that can propel your business forward, save money and improve productivity.

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