Succession Financial Planning Dwayne van Schalkwyk - Financial Advisor

12/05/2026

A TFSA may not feel life changing today, but over time, tax free growth can make a powerful difference. If savings are sitting in a taxable account, shifting them could be one of the simplest financial wins available. Small steps now can lead to meaningful outcomes later.

Follow this link to read the full article: sfpadvice.co.za/sfp-knowledge-hub/the-only-free-lunch-on-the-menu

Contact us for more information

Dwayne Van Schalkwyk

07/05/2026

💰 Start Young. Build Wealth Slowly.

You don’t need thousands to start investing.
Even investing just R500 per month from a young age can grow into a substantial amount through the power of compound interest 📈

The earlier you start, the more your money works for you:
✔️ Small monthly amounts add up
✔️ Growth earns growth
✔️ Time becomes your biggest advantage

Imagine what your future could look like if you started today instead of “someday”.

🌱 Start small.
📊 Stay consistent.
💡 Let compound interest do the heavy lifting.

📩 Contact us today to help you start your investment journey.

26/03/2026

🚨 Most people only check their insurance AFTER something goes wrong…

By then it’s too late.

Storm damage, car accidents, theft and unexpected events happen every day. The real question is:

❓ Will your current insurance actually cover you properly?

I’m offering a FREE short-term insurance quote and policy review to make sure you’re not paying too much — or worse, underinsured.

✔ Car Insurance
✔ Home Insurance
✔ Household Contents
✔ All Risk Cover

💬 Message me today for your FREE quote.

📞 082 308 9409
📧 [email protected]

Life happens. Be prepared.

24/03/2026

The 80/20 rule — also known as the Pareto Principle — reminds us that a small portion of our efforts often creates the majority of our meaningful results. In other words, roughly 20% of your actions can drive 80% of your outcomes.

This principle applies not only to how you structure your day, but also to how you approach your financial life.

Lasting wealth isn’t built by staying constantly busy. It’s built through a few key, intentional decisions that are aligned with your long-term goals and revisited consistently over time.

Focusing on the actions that matter most can elevate both your effectiveness and your financial confidence.

Follow this link to explore the full article: https://www.sfpadvice.co.za/sfp-knowledge-hub/are-you-climbing-the-ladder-or-just-running-on-a-treadmill

Dwayne Van Schalkwyk

16/03/2026

🚗 Accidents happen. Storms happen. Theft happens.
Are you properly covered?

Life is unpredictable, but your protection doesn’t have to be.

With short-term insurance tailored to your lifestyle, you can protect your:
🏡 Home
🚗 Vehicle
💻 Valuables

Don’t wait until something goes wrong.

👉 Get your FREE quote today and make sure you’re properly covered.

📞 010 023 0672 (Office)
📧 [email protected]

Let’s protect what matters most.

09/03/2026

03/03/2026

I wanted to share some insights on the advantages of investing in a Retirement Annuity (RA), as it remains one of the most effective ways to secure your financial future.

Firstly, contributing to a Retirement Annuity offers significant tax benefits. The South African Revenue Service allows you to deduct your RA contributions from your taxable income (up to certain limits), which can reduce your overall tax liability and maximise your annual tax return.

Secondly, an RA harnesses the power of compounded interest. By investing consistently over time, your returns are not only earned on your initial contributions but also on the interest and growth accumulated previously. This compounding effect can substantially increase your retirement savings over the years.

Finally, even small additional contributions can make a big difference to your retirement outcome. Regularly topping up your RA, even with modest amounts, can enhance your long-term growth thanks to compounding and the disciplined approach to saving that an RA encourages.

If you would like to discuss this further or need assistance in setting up or contributing to a Retirement Annuity, please let me know. I’m here to help you make the most of your retirement planning.

We are Based in Springs but we can assist clients across South Africa.

13/01/2026

When Good Business Planning Goes Stale…

Three shareholders take out a buy-and-sell policy.
One exits the business.
The policy isn’t updated.
Years later, the former shareholder passes away.

Legally, the policy still pays out — insurable interest is only required at inception. ✅
But practically? The policy has lost its purpose.

This can lead to:

Estate delays

Confusion for heirs

Governance and compliance headaches

The lesson?
A buy-and-sell agreement isn’t “set and forget.”
If it doesn’t reflect reality, it won’t work when you need it most.

11/12/2025

SFP Succession Financial Planning
Dwayne van Schalkwyk
082 308 9409
010 023 0672
[email protected]
Succession Financial Planning Dwayne van Schalkwyk - Financial Advisor