Christa Cosijn

The statistics tell a sobering story: only 30% of family businesses survive into the second generation, and merely 12% make it to the third. Behind these failures often lies a critical blind spot—succession planning that addresses financial considerations but neglects the legal infrastructure needed for successful transition.

When most successful professionals envision their retirement, they picture financial freedom, leisure activities, and quality time with loved ones. What they rarely consider are the legal complications that can erode even the most robust retirement plans.

For many successful South Africans, international diversification has become an essential wealth strategy. Whether it's property in Mauritius, investments in London, or a retirement account in the United States, spreading assets across borders offers both opportunity and peace of mind.

If you are married with kids, life is all about competing priorities. Between your demanding job, chauffeuring the kids and having a social life, there is not a lot of space to plan your financial present - never mind your future.

At this stage of life, you might feel pressure to not only provide financially for your children and your parents, but also to look towards your own future retirement and the financial legacy you’re likely to leave behind. It’s a lot to think about. It’s time to take stock and make sure that your money is working for you.

The joy of raising children comes with a large responsibility, especially when it comes to finances. Being a single parent means carefully balancing everyday needs with future goals – easier said than done in today’s economy!

When two people get married, finances are often the last thing on their minds. It’s often all a blur: the wedding, the house purchase, kids… but these are all life events that will make a profound impact on your finances – not only now, but in the many years you’ll share together.

Financial planning doesn’t end when you retire. It’s more important than ever to stay in control of your finances. Your retirement years are an opportunity to put your years of experience to good use and make the most of your accomplishments.

I’m passionate about small businesses – and truly believe that entrepreneurs and family businesses can change the face of our economy. Many of my clients are small business – and some started small but are now industry leaders.

It's hard to know where to start. There are so many choices from investments to insurances … not to mention crypto and forex trading. On top of it is all the information (and disinformation) on social media. It's no wonder that many young professionals haven't yet planned for their financial future.