Sanlam Financial Adviser - Jeanne Hinterholzer

02/11/2026

💸 Your budget changed - has your financial plan caught up?

Namibia’s rate increase is now confirmed
On 28 October, the Bank of Namibia raised its repo rate from 6.75% to 7.00%, with prime lending rising to 10.50%.

Higher loan repayments and everyday expenses can leave less room for savings, insurance and retirement contributions.

Before making changes, look at how everything fits together: your debt, emergency fund, family protection and long-term goals.

A review can help you identify adjustments that ease today’s pressure while keeping tomorrow’s needs in sight.

Let’s make sure your financial plan still works for your monthly budget.

Let's have a chat ☕️
081 487 1223

30/10/2026

💙 Your financial plan should start with YOU.

Your family, your priorities, your dreams and what you can realistically afford should guide your financial decisions.

A financial needs analysis helps us understand where you stand today and build a plan around where you want to go. From protecting your income and loved ones to saving for retirement.

🌱 As your life changes, your plan should grow with you. A new baby, a home purchase or a career change is a good reason to review it, alongside a regular annual check-in...

Even two people earning the same salary may need very different plans, because their responsibilities and goals differ 🎯

Let's have a chat ☕️
081 487 1223

Inspired by Moneyweb’s article: "Financial planning goes beyond choosing the right products" (https://www.moneyweb.co.za/in-depth/liberty/financial-planning-goes-beyond-choosing-the-right-products/)

How can you align your finances with your goals? Liberty financial advisor Maxine Muller discusses the benefits of having a financial needs analysis done, changing priorities and the role of AI in financial advice.

26/10/2026

💭 Different funds don’t always mean different investments.

Having several investment accounts may feel like spreading your risk, but those funds could hold many of the same companies.

True diversification means looking beneath the fund names to understand where your money is invested, across companies, sectors, countries and asset types.

A portfolio review can help identify overlaps and check whether your investments work together towards your goals.

It’s about more than how many funds you own - it’s about what you own within them.

Let's have a chat ☕️
081 487 1223

19/10/2026

💭 Does your retirement plan still work when markets struggle?

Retirement readiness goes beyond the balance on your statement. It’s about whether your savings can provide a sustainable income, even when returns disappoint and living costs rise.

Accessible reserves, suitable investments and flexibility in your spending can help you navigate difficult periods without putting unnecessary pressure on your long-term savings.

Let’s review whether your retirement plan can support the life you’re planning for - through good markets and challenging ones.

Let's have a chat ☕️
081 487 1223

15/10/2026

Sometimes, the most valuable part of financial advice is having someone to think things through with 💙

Life changes. Markets move. Headlines make us nervous. And money decisions can feel overwhelming when you’re making them alone.

A financial adviser’s role goes beyond helping you choose cover or an investment. It’s also about helping you understand your options, put decisions into perspective and stay focused on what matters to you.

Someone to call when you’re unsure.
Someone to help you pause before making an emotional decision.
Someone to revisit your plan as your life changes.

You don’t need to have everything figured out before that first conversation. That’s where we start.

☕ Let’s talk about your goals, your concerns and your next step.
081 487 1223

An insightful read by Martin Hesse on Honest Money: "Why See a Financial Planner? The Best Reason May Elude You" https://honestmoney.co.za/2026/10/14/why-see-a-financial-planner-the-best-reason-may-elude-you/

Over the past couple of decades, financial advice has gradually shifted from being primarily product-oriented to being more behaviour-oriented. A growing body of research shows that the true value of a professional adviser or planner lies less in selecting products than in guiding client behaviour,....

12/10/2026

💸 A growing balance is not the same as growing buying power.

Your savings may be increasing, but if everyday costs rise faster than your returns, your money could buy less over time.

Inflation also affects how much retirement income you’ll need and whether your life cover will still adequately support your family.

That’s why a financial plan needs regular reviews - looking beyond the balance on your statement to what that money can actually provide.

Let’s make sure your plan keeps pace with your life.

Let's have a chat ☕️
081 487 1223

05/10/2026

💸 When everyday costs rise, review your plan before cutting your protection.

"Petrol rises by N$1.50 per litre on Wednesday" - when fuel, groceries and other essentials stretch your budget, cancelling life cover or stopping retirement savings may feel like the quickest relief, but it could create a bigger financial gap later.

Before making changes, review your spending, priorities and available options with your adviser. Sometimes an adjustment can ease today’s pressure while protecting tomorrow’s needs.

Your financial plan should work for your budget, not against it. Let’s find a sustainable balance...

Let's have a chat ☕️
Jeanne Hinterholzer
081 487 1223

28/09/2026

📢 Social Security (SSC) benefits are increasing from 1 October 2026, but are they enough?

The maximum maternity benefit increases to N$20,000, while death, disability and retirement benefits increase to N$15,000.

These benefits provide valuable support, but they are a safety net - not a complete financial plan. Would N$15,000 adequately replace your income, fund your retirement or protect your family after your death (lump-sum)?

Social Security should form part of your Financial Needs Analysis, together with adequate life cover, disability protection, emergency savings and retirement planning.

Small safety net. Big remaining shortfall. Let’s plan for the difference.

Let's have a chat ☕️
Jeanne Hinterholzer
081 487 1223

21/09/2026

📊 Oil, inflation and your financial plan

Oil prices above US$100 affect far more than what you pay at the fuel pump. Higher transportation and production costs can increase food prices and everyday expenses, place pressure on interest rates and reduce the future buying power of your savings.

This makes it a good time to review whether your budget, emergency fund, insurance premiums, investments and retirement goals are still realistic and sustainable.

A sound financial plan should not only look good on paper... it should remain affordable when life becomes more expensive.

Let's have a chat ☕
Jeanne Hinterholzer
081 487 1223

Send a message to learn more

01/09/2026

122 days... that’s more time than you think. 💭

Today is 1 September, which means there are 122 days left until the end of 2026.

And while January normally gets all the attention when it comes to fresh starts, you don’t actually need a new year to start doing things differently. Four months is enough time to make a noticeable difference to your finances.

Not to fix absolutely everything.
Not to suddenly become a budgeting expert.
Not to stop enjoying your life.

Just to be in a better financial position on 31 December than you are today.

So, instead of saying “I really need to get my finances sorted out”, choose something measurable:

💰 Build or add to your emergency fund.
💳 Pay an extra amount towards debt every month.
🏦 Start a monthly investment, even if the amount feels small.
📉 Go through your bank statement and find the little expenses quietly eating into your budget.
📋 Review your life cover, retirement savings and financial plan to make sure they still suit where you are in life.
🎓 Start putting something away for your children's education.
📝 Make sure your Will and beneficiary nominations are up to date.

Then pick one or two and start.

If your goal is to save N$8,000 by 31 December, for example, don't focus on N$8,000. That's roughly N$2,000 per month for the next four months. Suddenly the goal has a plan attached to it.

And perhaps that's the most important part - you don't need 122 perfect days. There will be unexpected expenses. There will be months where the budget doesn't quite "budget" 😅 There will probably be a few “I'll start again next month” moments. But one bad financial decision doesn't have to become a bad financial year.

January-you doesn't need another list of financial New Year's resolutions.

And if one of your goals for the next 122 days is simply to understand where you stand financially and what you could be doing differently, that's exactly what financial planning is for.

~ Jeanne Hinterholzer
Financial Adviser
📱 081 487 1223