Marco du Toit - Sanlam Financial Planner -#MDTFinancialWealth

18/03/2026

Most families don’t realise how financially exposed they actually are until something unexpected happens 💬

Between school fees, monthly expenses, and debt, it’s easy to feel like you’re “getting by” — but not really moving forward.

I’ve put together a simple Family Financial Security Checklist (2026) to help you quickly see where you stand.

If you’d like a copy, comment “FAMILY” or send me a message — I’ll share it with you 👍

Let’s make sure your family is on the right track.

06/03/2026

💡Did you know some investments can grow without being taxed on returns? 📈Explore options like TFSAs, retirement products and more.
🔗Full guide here.

https://www.sanlamadvice.co.za/adviser/marco-du-toit/blogs/tax-efficient-investment-opportunities

Pay less tax and grow your savings with smart investment choices. This blog explains tax-efficient options like Tax-Free Savings Accounts (TFSAs), showing how you can maximise returns while minimising tax with expert guidance.

02/03/2026

Awkward money talks with your partner? You're not alone. 🤝But they do matter for long-term happiness.🏡

👉🏻Read how honest financial conversations can strengthen your relationship.

Money can’t buy love, but talking about it can strengthen relationships. This blog explains how couples can improve trust, set shared goals, and openly manage finances to build a happier, healthier partnership.

27/02/2026

Love doesn't automatically protect assets — legal planning does 📝❤️ Whether you're married or not, having a will ensures your partner is looked after.
🔗Click to read why wills matter and how to get started.

Life partners aren’t protected by intestate succession. This blog explains why having a valid will and clear agreements is essential to protect each other’s assets, wishes, and financial security if one partner passes away.

25/02/2026

💡 Good news for South African savers! 🇿🇦

After the 2026 Budget Speech by Enoch Godongwana, two big changes take effect from 1 March 2026:

💰 Tax-Free Savings limit increases to R46 000 per year (up from R36 000)
📈 Retirement contribution deduction increases to R430 000 per year (up from R350 000)

This means you can legally invest more while paying less tax.

Most people won’t adjust their plan.
Smart investors will.

If you want to see how this impacts your personal situation, send me a message and we’ll run the numbers.

25/02/2026

Understanding your tax deductions helps you budget better and plan for growth 💡💼

Check out this Income Tax Calculator to estimate your tax and plan your finances with confidence:
👇🏻Read more now.

https://www.sanlamadvice.co.za/adviser/marco-du-toit/blogs/income-tax-calculator

Work out the salary tax deductions you will pay for the current tax year and compare it to previous year’s deductions by using this calculator. Use the calculator to determine your nett take home pay and find your income tax rates for the year using the SARS tax tables below. We’ve got the resou...

23/02/2026

What if the "future you" was a priority - just like rent or groceries? 💰👨🏼‍💼

Paying yourself first builds long- term financial strength.
👉🏻Click to learn how and why it works.
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Make your future a priority by paying yourself first. This blog shows how treating savings like a monthly bill can help you stay focused, resist lifestyle pressure, and build financial security for your goals and peace of mind.

20/02/2026

Feeling awkward talking about money with your partner or family? ❤️💬 It doesn't have to be that way.
Discover 3 simple steps to make money conversations positive and productive.
👉🏻Read more & let's talk about your goals.


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Money can strain relationships, but it can also bring you closer. Learn how open, honest conversations about finances can ease tension, build trust, and turn everyday money moments into stronger, more loving connections.

30/01/2026

Student loan or personal loan — the difference can cost you more than you think 🎓💡

Many families choose the wrong option simply because they don’t know the facts.
This blog explains the key differences and why student loans often make more sense.

👉 Click through to read and make informed decisions about education funding.

Not sure whether to choose a personal loan or student loan? Student loans usually offer lower premiums and support while studying, making them better for education. Early planning and advice can help families, especially the ‘missing middle’.

26/01/2026

A new year is the perfect time to reset your finances 💼✨

Small, intentional changes today can create long-term financial stability tomorrow.

I’ve shared 10 practical tips to help you budget smarter and plan with confidence.

👉 Read the full blog and take the first step toward a stronger financial future.

Kickstart your year with smart money habits. Review your spending, tackle debt, build an emergency fund and plan ahead for festive costs. Small actions now can set you up for long-term financial confidence.

19/01/2026

Top benefits of education savings plans

🎓 Planning ahead can make a big difference to your child’s future. Discover the key benefits of education savings plans and how they can help you prepare with confidence.

Secure your child’s future with an education savings plan. Start early, benefit from compound growth, reduce financial stress, enjoy tax advantages, and give your child more options for higher education with peace of mind.