Mandy Nel Financial Planning

20/07/2026

Whether it's making the most of your retirement contributions, using Tax-Free Savings Accounts effectively, or reviewing your investment strategy, understanding the latest tax rules can help you keep more of your money working towards your future.

The best tax-saving strategies aren't developed at tax return time—they're built into your financial plan throughout the year.

A financial review can help you:
✔ Maximise available tax benefits
✔ Structure your savings more efficiently
✔ Align your investments with your long-term goals
✔ Avoid costly missed opportunities

Recent changes to South Africa's tax regulations highlight just how important it is to review your financial plan regularly rather than relying on yesterday's strategies.

Your financial plan should evolve as the rules do.

If it's been a while since you reviewed your financial strategy, let's have a conversation and make sure you're making the most of every opportunity available.

Discover how recent regulatory changes in South Africa can enhance your savings strategy. Learn about increased tax allowances for tax-free savings accounts and retirement contributions, and how to make the most of your financial future.

16/07/2026

Financial planning isn’t about having more money… it’s about making smarter decisions with what you already have.
Many people wait for the “right time” to get their finances in order.
But the truth is — the right time is usually before life gets complicated.
A solid financial plan helps you:
✔ Handle unexpected expenses
✔ Protect your family
✔ Build long-term wealth
✔ Feel more in control of your future
It’s not about restriction — it’s about clarity, confidence, and direction.
Because when you know where you’re going financially,
every decision becomes easier.
If your finances feel uncertain or unstructured, let’s change that.
Get in touch and let’s build a plan that works for you.

13/07/2026

Copilot said: Financial planning is about more than just money — it’s about building the future you envision.
With a clear, personalized plan, you can:
✅ Protect the people who matter most
✅ Build and preserve your wealth
✅ Achieve your goals with confidence and clarity
I’ll guide you every step of the way, helping you make informed decisions and stay focused on what matters most.
The best time to start planning was yesterday. The second-best time is today. Let's take that first step together.

08/07/2026

Your future shouldn’t be left to chance. Whether you're planning for retirement, building wealth, or protecting your loved ones — we’re here to guide you every step of the way.

✅ Retirement Planning
✅ Smart Investment Strategies
✅ Medical & Life Cover
✅ Income Protection
✅ Estate Planning

Let’s build a financial plan that grows with you.

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06/07/2026

Savings Month is a reminder, not a reason to feel guilty.

Even in challenging financial times, taking a fresh look at your budget, savings, and long-term goals can make a meaningful difference. Small, consistent steps today can help build greater financial security tomorrow.

If you're unsure where to start or want to make your money work harder for you, let's have a conversation about creating a financial plan that's tailored to your goals.
https://www.liberty.co.za/media-insights/it-may-be-tough-times-for-many-but-this-savings-month-can-be-a-time-to-relook-your-finances

Relook finances during tough times this savings month

02/07/2026

For many South Africans, a will is still a once-off legal document, drafted, signed and stored away for “one day”, not to be thought of again, if at all.

Estate administration, the process of carrying out wishes contained in the will, is often thought of even less.

However, there is real value in paying attention to will-drafting and estate administration because both impact the lives of your loved ones when you pass away.

Explore how Capital Legacy is transforming the landscape of wills and estate administration in South Africa, ensuring that families are supported during their most challenging times.

29/06/2026

South Africans understand the importance of planning for retirement early, yet many are leaving critical financial decisions until the final years of their working lives. This is one of the key findings from the 45th Sanlam Benchmark Survey, released this week, which reveals a significant gap between when South Africans believe they should start preparing for retirement and when they actually take action.

https://iol.co.za/personal-finance/financial-planning/2026-06-27-sanlam-benchmark-south-africans-are-waiting-too-long-to-plan-for-retirement/

For assistance contact me

[email protected]

Are South Africans waiting too long to plan for retirement? The latest Sanlam Benchmark Survey reveals alarming trends in retirement readiness, highlighting the need for early financial planning.

24/06/2026

A recent report found that only a small percentage of South Africans are on track to retire comfortably, with common mistakes like delaying planning, underestimating expenses, and making emotional financial decisions having a lasting impact.

https://iol.co.za/personal-finance/retirement/2026-06-13-retirement-planning-common-money-mistakes-that-affect-long-term-financial-security/

The good news? Small, consistent decisions made today can have a significant impact on your financial future.

Whether you're just starting your career, approaching retirement, or somewhere in between, having a clear financial plan can help you navigate life's uncertainties with confidence.

Your retirement goals deserve more than guesswork. Let's have a conversation about building a strategy that's tailored to your future.

22/06/2026

"I'm too young to worry about insurance."

It's one of the biggest myths many South Africans still believe. Yet replacing a stolen phone, repairing a damaged car, or recovering from an unexpected setback can have a significant financial impact when you're just starting out.
https://iol.co.za/personal-finance/insurance/2026-06-14-debunking-insurance-myths-young-south-africans-still-believe/

The truth is, insurance isn't about expecting the worst. It's about protecting the life you're building and giving yourself peace of mind for the future.

Whether you're moving into your first home, buying a car, or growing a side hustle, having the right cover in place can make all the difference.

Not sure what cover you need or whether you're adequately protected? Let's have a conversation and find a solution that fits your lifestyle and budget.

21/06/2026

Happy Father's Day to all the father figures who make a meaningful difference in a child's life.
Whether you are a biological father, a stepfather, a mentor, a grandfather, or simply the person a child looks up to and relies on, your love, guidance, and support do not go unnoticed.

Today, we celebrate and honor the positive impact you have on the lives of the children who are fortunate enough to have you by their side. Thank you for your dedication, sacrifice, and the example you set every day.

Happy Father's Day.