Kevin Vlietman Envestpro

06/08/2026

I spent 20 years managing commercial credit and financial risk solutions before a shift changed how I work with every client.

Two decades at TransUnion and Transaction Capital taught me how businesses fail, how credit unravels, and how quietly the gap between what people earn and what they keep can destroy everything they've built.

When I moved into financial planning in 2020, I brought that lens with me, and this is what it taught me...

Most people don't have a money problem. They have a clarity problem.

They know roughly what they earn and roughly what they spend, but they've never sat down and answered the question that actually matters:

"If I stopped earning tomorrow, how long would my assets last?"

Not my income. My assets.

When I ask that question in a first meeting with a prospective client, the room usually goes quiet. Not because the answer is bad, but because most people have never been asked it before.

Clarity isn't complicated, but it takes someone sitting down with you to build it deliberately.

That's what I do now, built on understanding exactly how financial risk actually plays out.

When last did someone ask you that question and did you actually know the answer?

👉 Book a complimentary Financial Needs Analysis call.

https://calendly.com/kevinvlietman/complimentary-financial-needs-analysis?back=1&month=2026-08

17/07/2026

94% of South Africans will not be able to retire comfortably.

That is not a prediction. That is what the data already shows. Right now, today.

This figure has been published for years by 10X Investments' Retirement Reality Report, ASISA and National Treasury-linked research.

Most people hear it and think: "That's someone else's problem."
Until it isn't.

I have sat across from people who earned well their entire careers. Business owners. Executives.

People who assumed they were fine. They were not fine.

Not because they were bad people.

Because no one ever helped them build a real plan.
Because they kept meaning to sort it out.
Because life kept getting in the way.

The 94% is not lazy, or careless, or bad with money.
It is made up of busy people who ran out of time.

The single biggest difference between the 6% and the 94%?

In my experience, the 6% made one decision (usually 5–7 years earlier than they thought necessary) to stop guessing and start planning.

You are not out of time. But the window is smaller than most people want to believe.

When did you last properly review your retirement plan?

If the honest answer is "a while ago"... book a Complimentary 30 Minute Financial Needs Analysis Call here: https://calendly.com/kevinvlietman/complimentary-financial-needs-analysis

01/09/2025

Living a Swallow Life Between South Africa and Portugal – Enabled by World-Class Market Partners

In today’s connected world, lifestyle and work are no longer confined by geography. I am grateful to live a true swallow life between South Africa and Portugal, a balance made possible through the unwavering support of my market partners: Envestpro, New Road Capital , Stanlib and Liberty
Their world-class systems, technology, and accessibility have given me the confidence to operate seamlessly across continents. Whether through intuitive digital platforms, responsive help desks, or robust operational support, these partners have ensured that client service and business growth remain uninterrupted.
Equally important are their lifestyle risk solutions and innovative investment offerings, which have allowed me to provide clients with strategies that protect what matters most while growing wealth sustainably.
These tools have not only strengthened my client relationships but also enabled measurable growth in both the number of clients I serve and the assets under management.
Living across two continents demands flexibility, trust, and world-class infrastructure. With partners like Liberty, Stanlib, Envestpro and New Road Capital I am empowered to focus on what I value most: delivering consistent value to clients while enjoying the freedom of a truly global lifestyle.

22/03/2024

A Very Well Articulated Article on the Importance and Value of Having a Trusted Long Term Relationship with an Accredited Financial Advisor.

Pivotal reasons why enlisting the expertise of a financial advisor is paramount.

29/10/2023

Building Wealth: A Financial Advisor's Guide to Financial Success 💰
​
Are you ready to take control of your financial future and build wealth? As a dedicated financial advisor, I'm here to guide you on this journey.
​
Today I'll share a valuable tip that can make a significant impact on your financial health.
​
❗ The Power of Diversification ❗
​
Diversification is the cornerstone of any successful investment strategy. By spreading your investments across different asset classes, you reduce risk and potentially increase your returns. But how can you effectively diversify your portfolio?
​
1. Equities and Bonds
Consider dividing your investments between equities and bonds. Equities offer potential for higher returns, while bonds provide stability. The right mix depends on your risk tolerance and financial goals.
​
2. International Investments
Don't limit your investments to your home country. By including international investments, you can further spread risk and tap into global economic opportunities.
​
3. Investment Vehicles
Explore various investment vehicles, such as mutual funds, exchange-traded funds (ETFs), and individual stocks. Diversifying within each asset class can also help manage risk.
​
4. Rebalance Your Portfolio
Regularly review and rebalance your portfolio to ensure it aligns with your financial objectives. Market fluctuations can cause your allocation to drift from your target.
​
5. Consult a Professional
To make the most of diversification and develop a personalized financial plan, it's wise to consult a financial advisor. I'm here to help you create a strategy that suits your unique circumstances and objectives.
​
Diversification is just one of many strategies we can explore to help you reach your financial goals. Whether you're planning for retirement, saving for your children's education, or looking to grow your wealth, I'm here to assist you every step of the way.
​
If you found this post valuable and are ready to take the next step, reach out to me for a complimentary consultation call and we'll develop a tailored financial plan that puts you on the path to success: https://lnkd.in/dptpc3aK
​

25/10/2023

The Road to Retirement: Secure Your Golden Years with the Right Financial Advisor 📈
​
We all have dreams of a comfortable and secure retirement, but how do you ensure that your golden years are truly golden? I'm here to share a key piece of the retirement puzzle to help you prepare effectively.
​
The Power of Early Planning 📝
​
Planning for retirement should begin as early as possible. Why? The magic of compounding interest. By investing your money wisely and allowing it to grow over time, you can harness the full potential of compounding.
​
1. Start Now
The earlier you start saving for retirement, the more time your investments have to grow. Every year counts, so don't procrastinate.
​
2. Set Clear Goals
Define your retirement goals, including your desired lifestyle, expenses, and age of retirement. This will guide your investment strategy and savings plan.
​
3. Diversify Your Investments
Just as we discussed in our previous post, diversification is key to managing risk in your retirement portfolio. Ensure your investments are well-balanced.
​
4. Maximize Tax-Advantaged Accounts
Take advantage of retirement accounts like 401(k)s and IRAs. These offer tax benefits and can significantly boost your savings.
​
5. Regularly Review Your Plan
Your financial situation and goals can change over time. It's essential to review and adjust your retirement plan as needed.
​
How I Can Help? 💬
​
Retirement planning is not a one-size-fits-all endeavor. Your unique circumstances require a personalized approach. I'll work closely with you to develop a tailored plan, choose the right investment vehicles, and ensure your strategy aligns with your goals.
​
If you're committed to securing a comfortable retirement, let's connect for a complimentary consultation call: https://lnkd.in/dptpc3aK
​

This link will take you to a page that’s not on LinkedIn

19/10/2023

Building Wealth: A Financial Advisor's Guide to Financial Success 💰
​
Are you ready to take control of your financial future and build wealth? As a dedicated financial advisor, I'm here to guide you on this journey.
​
Today I'll share a valuable tip that can make a significant impact on your financial health.
​
❗ The Power of Diversification ❗
​
Diversification is the cornerstone of any successful investment strategy. By spreading your investments across different asset classes, you reduce risk and potentially increase your returns. But how can you effectively diversify your portfolio?
​
1. Equities and Bonds
Consider dividing your investments between equities and bonds. Equities offer potential for higher returns, while bonds provide stability. The right mix depends on your risk tolerance and financial goals.
​
2. International Investments
Don't limit your investments to your home country. By including international investments, you can further spread risk and tap into global economic opportunities.
​
3. Investment Vehicles
Explore various investment vehicles, such as mutual funds, exchange-traded funds (ETFs), and individual stocks.
Diversifying within each asset class can also help manage risk.
​
4. Rebalance Your Portfolio
Regularly review and rebalance your portfolio to ensure it aligns with your financial objectives. Market fluctuations can cause your allocation to drift from your target.
​
5. Consult a Professional
To make the most of diversification and develop a personalized financial plan, it's wise to consult a financial advisor. I'm here to help you create a strategy that suits your unique circumstances and objectives.
​
Diversification is just one of many strategies we can explore to help you reach your financial goals. Whether you're planning for retirement, saving for your children's education, or looking to grow your wealth, I'm here to assist you every step of the way.
​
If you found this post valuable and are ready to take the next step, reach out to me for a complimentary consultation call and we'll develop a tailored financial plan that puts you on the path to success: https://lnkd.in/dptpc3aK
​

This link will take you to a page that’s not on LinkedIn