Wealthcare Management

Wealthcare Management A Case for Money by Shane Thom

There would be many academics and purists that wouldn’t approve o

A Case for Money by Shane Thom

There would be many academics and purists that wouldn’t approve of a model of coaching that is underpinned by money! Yet financial coaching is increasingly becoming a recognized man

09/09/2025

Excited to be at HUM South Africa today learning, connecting and focusing on real client outcomes! "

05/09/2025

Hey hey hey its Casual Day again 😀 It's all about positivity in support of persons with DISABILITIES! 💙 From all of us Silkenites here at Silke Financial Services.




25/08/2025

Markets & Economy | South Africa's 3% Inflation Target

In the latest GrayIssue (Allan Gray, Issue 304), Sandy McGregor provides an excellent analysis of the South African Reserve Bank's recent decision to target 3% inflation, shifting from the traditional mid-point of 4.5% in the 3-6% range.

McGregor's key points:

>Inflation targeting emerged globally after the inflationary crises of the 1970s, with New Zealand pioneering the model in 1990.
>South Africa formally adopted its 3-6% band in 2000, but for many years policy leaned toward the upper end. Only in the last decade has SARB firmly guided inflation lower.
>With inflation stabilising at ~3% since late 2024, SARB believes now is the time to lock in that gain.
>Benefits of a 3% target include structurally lower interest rates, reduced debt costs for households, fiscal relief for government and a revival of investment and housing markets.
>South Africa's inflation and interest rates over time

What opportunities does a 3% inflation target unlock?

Read full communique here: https://silkefinancialservices.com/mailers/comms/601

But, as Sandy notes, we must temper optimism with realism. Inflation outcomes are influenced not just by monetary policy, but by global trade flows, oil dynamics, and structural efficiencies. A sudden shock could still test the resilience of a 3% anchor.

Still, I agree with Sandy's conclusion: this is an opportunity we should not miss.

Integrated Wealthcare Management isn't a once-off report, it's a relationship-based process that helps you navigate complexity, unlock clarity, and stay on course over the long term.

We're looking forward to continuing this journey with you.



Shane Thom, CFP® GTP(SA)™, CFA Affiliate
CEO // Integrated Wealthcare Advisor // SARS Tax Practitioner // COMENSA Coach

🏉🏆🏆🏆🏆 🏏🏆

Copyright © 2025 by Silke Financial Services CC – All Rights Reserved.

Tel: +27 21 683 3380
Fax: +27 21 683 3872
Visit us online at: www.silkefinancialservices.com

16/08/2025

14 August 2025
Podcast: Markets in a nutshell - July 2025

In their monthly podcast, Markets in a nutshell, Foord's Linda Eedes unpacks July's market performance. While global equities pushed higher, particularly in US and Chinese markets, underlying risks are emerging. US economic data showed mixed signals, with a rebound in growth but a weakening labour market.

Meanwhile, rising tariffs and political pressures in the US raise concerns.

🎧 Listen to the podcast here: https://open.spotify.com/episode/57TSWdWKGJza148cwZEk1d?si=2ygYbM9oSrOinl-cNu4cFg

Integrated Wealthcare Management isn't a once-off report, it's a relationship-based process that helps you navigate complexity, unlock clarity, and stay on course over the long term.

We're looking forward to continuing this journey with you.



Shane Thom, CFP® GTP(SA)™, CFA Affiliate
CEO // Integrated Wealthcare Advisor // SARS Tax Practitioner // COMENSA Coach

🏉🏆🏆🏆🏆 🏏🏆

Editor: Shane Thom, Silke Financial Services

Copyright © 2025 by Silke Financial Services CC – All Rights Reserved.

Tel: +27 21 683 3380
Fax: +27 21 683 3872
Visit us online at: www.silkefinancialservices.com

09/08/2025

Happy Women's Day | Celebrating Strength, Wisdom, and Security

On Women's Day, we pause to honour the magic, beauty, love, and strength in every woman.

At Silke Financial Services, we're especially proud to work alongside extraordinary women colleagues, clients, partners and friends who shape our homes, businesses, and communities with courage and compassion.

As we celebrate the power of women, we are also reminded of the importance of staying protected not just physically or emotionally, but financially and digitally too. That's why we want to take this moment to share an important message about online fraud and how to stay safe in our increasingly digital world.

🛡️ Staying Safe in a Digital World
A Personal Reminder from the Silke Team

Online banking scams are no longer distant threats they are happening to people we know and trust. In fact, one of our own team members at Silke recently fell victim to a highly sophisticated fraud attempt. Despite working in the financial sector, they were tricked by a scammer impersonating their bank's fraud department. The caller used real personal information, created urgency, and requested a transfer to a "safe account". Fortunately, no long-term harm was done but it served as a vital lesson. If it can happen to us, it can happen to anyone.

Essential Steps to Stay Safe:
Step 1: Don't Panic. Hang Up. 📵
Step 2: Verify Everything ✅
Step 3: Share and Educate 🎙️
Step4: Watch Out for Investment Scams 👀

Full communique here:
https://silkefinancialservices.com/mailers/comms/599

At Silke Financial Services, we go beyond traditional financial advice we are your partners in total financial wellbeing, which includes digital safety. If you're ever uncertain about a message, email, or opportunity, please reach out. We're here to help you navigate with confidence. As we honour Women's Day, let's continue building a future where everyone feels empowered, informed, and protected.

Integrated Wealthcare Management isn't a once-off report, it's a relationship-based process that helps you navigate complexity, unlock clarity, and stay on course over the long term.

We're looking forward to continuing this journey with you.

Shane Thom, CFP® GTP(SA)™, CFA Affiliate
CEO // Integrated Wealthcare Advisor // SARS Tax Practitioner // COMENSA Coach

🏉🏆🏆🏆🏆 🏏🏆

Editor: Shane Thom, Silke Financial Services

Copyright © 2025 by Silke Financial Services CC – All Rights Reserved.

Tel: +27 21 683 3380
Fax: +27 21 683 3872
Visit us online at: www.silkefinancialservices.com

11/07/2025

Offshore Outlook | Market Momentum | Wealthcare Reflections

Read full communique and Listen to Foord’s podcast on real innovation by following the link:
https://silkefinancialservices.com/mailers/comms/598

Mid-year markets bounced back strongly in June:

✅ Israel-Iran ceasefire & US-China trade ease
✅ Trump’s OBBA Act unlocked tax cuts & infrastructure plans
✅ US & China equities surged
✅ Commodities rallied (copper, platinum, gold)
✅ JSE delivered double-digit gains but rand volatility returned amid local political tension

The rand's 50-year trajectory shows one consistent truth: it weakens over time. That’s why at least 50% offshore asset exposure remains core to our philosophy it's not timing, it's long-term strategy.

Offshore investing helps you:
>Protect against currency erosion
>Tap into global innovation
>Reduce concentrated domestic risk

Long-term financial success needs more than good returns—it needs intentional planning, regular reviews, and course correction. Your annual Wealthcare meeting is more than admin—it’s your strategic compass.

Let’s keep navigating this journey together.
Shane Thom, CFP® GTP(SA)™, CFA Affiliate
Integrated Wealthcare Advisor | CEO | COMENSA Coach

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