Lucien Manuel - Sanlam Financial Adviser - Cape Town

01/09/2026

🌸 New season. Fresh blooms. Cleaner finances. 🌸

Spring isn't just for gardens, it's for giving your money habits a refresh too.

Challenge yourself this Spring Day:

🌼 Find 1 expense you can cut

🌼 Review 1 financial goal

🌼 Save 1 extra amount, no matter how small

🌼 Start 1 positive money habit


Small changes today can help your finances bloom tomorrow.

💬 What's the ONE thing you'll do this month to give your finances a fresh start?

Drop your answer below and inspire someone else to take action! 👇
Comment with your September financial refresh challenge.

27/08/2026

🚻 MOMS - YOU NEED TO HAVE A WILL.
HERE'S WHY:

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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.

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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.

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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 Lucien Manuel anytime for assistance -
https://www.sanlamadvice.co.za/adviser/Lucien-Manuel/contact-us/

26/08/2026

This Women’s Month, we’re saluting these Incredible Women!

Remember: In life's juggling act, that some balls are rubber, others are glass. Prioritise the glass ones—those precious moments with family and what matters most.

This Women’s Month, we’re saluting the incredible women who do it all — with heart, hustle, and grace.

In life’s juggling act, remember: some balls are rubber, others are glass. 💎

Protect what matters most — those irreplaceable moments with loved ones.

Here’s to you, the real MVPs. 💐

22/08/2026

It is said that nearly half of all marriages in South Africa end in divorce. Unfortunately divorce usually goes hand in hand with great unhappiness about the way in which the assets the two parties have built up over the years should be divided.

The marriage contract will determine to a large extent how these assets are to be divided.

Therefore, it is worthwhile to spend time scrutinising different forms of marriage contracts and how each of them can affect the division of assets later.

Here are a few examples from my blog: https://www.sanlamadvice.co.za/adviser/Lucien-Manuel/blogs/women-and-divorce-the-financial-implications/

Need further information? Speak to Lucien Manuel, 0713551184
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📧[email protected]
🏠Sanlam Head Office, 2 Strand Road, Bellville, Cape Town, 7530

Leave a message on my digital business card - https://www.sanlamadvice.co.za/adviser/lucien-manuel

18/08/2026

Prioritise your family's well-being by understanding the importance of being covered and the value it brings: protection, stability, and a secure financial future.

Find out how to choose the right cover, bridge gaps in healthcare and disability insurance, and get expert advice from a financial adviser Lucien Manuel 👇👇

📞
📧[email protected]
🏠Sanlam Head Office, 2 Strand Road, Bellville, Cape Town, 7530

Securing your family’s financial future is one of the most significant ways you can take care of them. Sanlam Life Cover eases the burden on your family should you die unexpectedly by paying out a once-off tax-free amount that can be used to cover their expenses now and in years to come – expens...

14/08/2026

Many women are solely responsible for their children 👩‍👧‍👦

SHARE this privately with a colleague or friend on WhatsApp who needs to see this -
https://wa.me/?text=https://www.sanlamadvice.co.za/adviser/Lucien-Manuel/blogs/single-mothers-even-more-at-risk-when-losing-their-income/

The importance of making careful provision should something unforeseen happen to a single mom cannot be overstated, as there is not a second stream of income generated by another person in their household.

When a single mother loses her ability to earn, the financial consequences can be devastating. 😳

Here is how you can plan and protect your income as a single mother, or when you have dependents.

Read more - https://www.sanlamadvice.co.za/adviser/Lucien-Manuel/blogs/single-mothers-even-more-at-risk-when-losing-their-income/

https://www.sanlamadvice.co.za/bluestar/Lucien-Manuel/blogs/single-mothers-even-more-at-risk-when-losing-their-income/

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12/08/2026

💼 Building a business is only one part of the journey — protecting it is just as important.

I know this too well, as I build my own financial planning business, I understand the risk, commitment, and long hours it takes to turn an idea into something real.

I know what it means to build something from the ground up — and the responsibility that comes with making the right financial decisions along the way.

That’s exactly why I’m passionate about helping other business owners put the right safeguards in place — from income protection to business continuity planning, having the right financial structures ensures your business — and your personal finances — can withstand unexpected challenges and keep moving forward.

📩 Let’s put a plan in place that protects both your business and your livelihood.

👉 Leave you details below or learn more on my website: https://www.sanlamadvice.co.za/adviser/Lucien-Manuel/business-insurance/buy-and-sell-cover

📞 Phone: / 0713551184
📧 Email: [email protected] / [email protected]
🏢 Office: Sanlam Head Office, 2 Strand Road, Bellville, Cape Town, 7530

11/08/2026

✨ Here’s why so many South Africans choose Fedhealth
👉 Find out more here https://www.sanlamadvice.co.za/adviser/Lucien-Manuel/insurance/health-solutions/

26/07/2026

Unexpected expenses are a part of life - but financial stress doesn't have to be. This article highlights the importance of building an emergency fund, even if you start with small contributions. Discover how to build your safety net step by step and speak to your financial adviser about creating a plan tailored to your needs.

The current economic climate and recent events in history has continuously shown us the importance of planning for anything that life can throw at you. It is therefore important to start saving even a small amount, as long as you start saving a portion of your money.

24/07/2026

This article breaks down key steps - from gathering essential documents to reviewing your SARS auto-assessment - helping you avoid common mistakes and potential penalties. Being proactive now can save you time, stress, and even money later.

While tax preparation may be an enjoyable task for a select few, the majority of us groan at the thought. It needn’t be too arduous, though, if we start preparing now to ensure a smooth and stress-free filing experience come July, when income tax season opens. We’ve got you covered with simple s...