Zane Swano Financial Planner

28/05/2026

Life happens — make sure your income is protected with the right disability cover.

01/05/2026

Every worker needs a plan beyond their pay check.
A salary takes care of today.
A plan shapes tomorrow’s choices.
Most people focus on earning more, but real progress often comes from what you do with what you already earn.
Small, consistent decisions... saving, investing, and protecting what matters are what gradually turn income into freedom.
You don’t need everything figured out right now.
Just take the first step.

27/04/2026

Financial freedom doesn’t happen by chance, it happens by plan. 🇿🇦

26/02/2026

25/02/2026

The 2026 Budget is out, and here’s my simple take as a financial adviser.

No fireworks. No plot twists. Just a few important shifts that will quietly affect your wallet.

What it means for you:

• Slight tax relief
Tax brackets were adjusted, so many people will take home a bit more. Before you upgrade the car or add another streaming subscription, consider increasing your retirement contribution or your Tax Free Savings Account. Future you will say thank you.

• Small businesses get relief
The higher VAT threshold gives entrepreneurs more breathing room. If you run a business, this is a good time to review your structure and make sure your risk cover is solid. Growth is great. Unprotected growth is stressful.

• Fuel and sin taxes are up
Petrol, alcohol and to***co are going to cost more. So yes, your tank and your weekend braai might both feel it. Even if you don’t smoke or drink, transport costs filter into everything else.

• Big infrastructure spend
Government is pushing infrastructure investment, which could support local growth. That’s positive, but your portfolio still needs proper diversification. Hope is not an investment strategy.

The Budget wasn’t dramatic. But small changes, handled correctly, can make a big difference over time.

If you’re not sure how this fits into your plan, that’s where I come in.

14/11/2025

You’ve spent years looking after everyone else…. but what are you building for your future?

Retirement isn’t just about stopping work, it’s about having the freedom to live the life you want, whether that’s keeping your lifestyle, starting something new, or leaving something meaningful behind.

If you’re not sure what you’ll need to retire comfortably, I can help you figure it out.

11/11/2025

Life’s a bit like a game — it helps to have a plan.
Without one, you’re just hoping things fall into place.

A proper financial plan gives you direction and confidence, no matter what life throws at you.

If you’d like to chat about getting one in place, I can help. It’s free, by the way.

15/05/2025

A bit nervous about speaking to a financial adviser? Don’t be. It’s not a sales pitch. It’s just an honest conversation, and I genuinely want to see people win. That’s what drives me. So let’s chat."

18/04/2025

The passion of a United fan. The trust of a loyal client. Both are earned over time and I’m proud to keep showing up for both. Here's to those who back their team and their future.