Dylan Powell - Financial Adviser

15/10/2026

Dream big but give those dreams a starting date. 💭

It’s easy to say, “I’ll start when I earn more,” or “When things settle down.” But there will always be another expense, another priority or another reason to wait.

Your financial goals deserve more than “one day”. Start with what you have, take one practical step and build from there.

You don’t need the perfect moment to get started. You need a decision to begin.

Let’s turn your “one day” into a plan.

15/10/2026

Can you inherit someone else’s debt?

The short answer is generally no, but there’s an important exception when you’re married in community of property.

When someone passes away, their debts don’t simply disappear.

Their deceased estate must settle outstanding debts before any inheritance can be distributed to beneficiaries.

This means that while heirs don’t generally become personally responsible for the deceased’s debts, those debts can reduce or even wipe out their inheritance.

But what if you’re married in community of property?

When you’re married in community of property, you and your spouse generally share a joint estate, which includes both assets and liabilities.

If one spouse dies, the joint estate must be administered, and its debts accounted for.

This means the surviving spouse’s share of the joint estate can be affected by debts incurred during the marriage, even if those debts were incurred by the deceased spouse.

And where the surviving spouse is personally or jointly liable for a debt, that liability doesn’t simply disappear when their spouse dies.

The takeaway?

There’s a big difference between inheriting someone’s debt and already being legally responsible for it.

Understanding your marital regime is just as important as having a valid will.

At VDM Attorneys, we believe understanding your legal position today can prevent difficult surprises tomorrow.

13/10/2026

🇿🇦 Inflation and interest rates remain in focus. The South African Reserve Bank’s October review forecasts growth of 1.2% for 2026 and warns that inflation could remain above 5% until the second quarter of 2027. The repo rate stands at 7.25%.

The rand started the week around R16.50 to the dollar, with investors watching Wednesday’s US inflation figures and developments in the Middle East for clues about what comes next.

🙌 In some good news for the country, a new Saldanha port lease agreement opens the door to a potential R6.9 billion investment pipeline. Durban’s Golden Mile is also set for a redevelopment expected to attract approximately R100 million in private investment and create around 170 permanent jobs.

📱 Those unwanted calls you receive just as you sit down to dinner? There may finally be some relief on the way! Government’s new National Opt-Out Registry is being rolled out in phases, with consumer blocking scheduled to take effect from May 2027.

Markets will keep reacting to the headlines. Staying disciplined and focused on your long-term financial goals remains key.

💵 USD/ZAR: 16.55
💷 GBP/ZAR: 21.89
💶 EUR/ZAR: 18.50
🥇 Gold ($): 4,164.60
⚪ Platinum ($): 1,681.50
🛢️ Brent Crude ($): 107.13
📈 All Share: -6.31% YTD
📉 S&P500: 14.11% YTD
📊 FTSE: 6.77% YTD
🌍 ACWI: 12.73% YTD

Got a story we missed? Drop a comment!

📞 Call us on 011 678 8904, or visit iwcp.co.za.

12/10/2026

A bigger salary is great, but if your spending gets a promotion too, you might still be standing still. 😉

It’s easy to tell yourself you’ll start saving when you earn more. The challenge is that there’s always another expense, another upgrade or another reason to put it off.

Building wealth starts with giving your money direction and making consistent choices that support your future, while still enjoying life today.

You work hard for your money. Let’s talk about what you want it to do for you.

09/10/2026

08/10/2026

Some things in life you can leave to chance, your financial future deserves a plan.

Your relationship status might be “it’s complicated”, but your financial goals don’t have to be. Whether you’re building your savings, protecting your income or preparing for retirement, the steps you take today can give you more choices tomorrow.

You don’t need to have it all figured out to get started, let’s chat about your goals and put a plan in place for your future.

06/10/2026

Your salary supports your life while you’re working, but building an income for the day you stop takes planning.

The sooner you start preparing for retirement, the more time your money has to grow and the more options you can create for your future.

Chat to one of our financial advisers today, and let’s start planning for an income beyond your salary.

05/10/2026

The future rarely goes exactly according to plan. Careers change, families grow, priorities shift and unexpected expenses happen.

That’s why financial planning isn’t about trying to predict what comes next. It’s about putting the right structures in place so that when life changes, your finances can change with it.

A good plan should give you flexibility, protection and options, whatever the next chapter brings.

If it’s been a while since you reviewed yours, let’s chat.

01/10/2026

Money is a tool, not the destination. The real goal is freedom, the freedom to enjoy your life now, create meaningful experiences and build a future filled with choice.

Financial planning shouldn’t mean postponing your life until retirement. It should give you the confidence to take the leap, pursue opportunities and make the most of every stage along the way.

Plan for tomorrow, but don’t forget to live today.