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MVest Finance We are a Financial Advisory & Intermediary Services company. Our Financial Planning process integrates your Lifestyle with your Wealth.

Take our Financial Scorecard test to determine if you have your Financial Life in order.

Sometimes the question we ask about money is only half the conversation.“Should I sell?” may come from fear.“Can I affor...
14/10/2026

Sometimes the question we ask about money is only half the conversation.

“Should I sell?” may come from fear.
“Can I afford to help my children?” may come with guilt.
“Am I saving enough?” may be driven by comparing ourselves with everyone else.

AI can help you explore these questions. But a reassuring answer doesn’t necessarily resolve the worry behind them.

And making a decision simply to feel better today can have consequences for tomorrow.

A financial planner makes space for both the numbers and the person making the decision.

What has changed?
What are you worried about?
What would help you feel secure?
Does your plan need adjusting, or do you need support to stay with it?

The aim is to understand your emotions and how they may be influencing your choices.

You don’t have to arrive with the perfect question.

Sometimes the most useful place to start is:
“This is what’s worrying me. Can we talk it through?”

Before you ask, “Is this answer correct?” ask, “Where - and when - is it correct?”An AI answer about tax, retirement or ...
08/10/2026

Before you ask, “Is this answer correct?” ask, “Where - and when - is it correct?”

An AI answer about tax, retirement or trusts may sound perfectly reasonable.

But which country’s rules is it using?
Which tax year?
And does the source actually support what the answer says?

Financial terminology can travel across borders. Financial rules don’t always travel with it.

An explanation written for an American reader may not apply to someone in South Africa.

And information that was accurate a few years ago may need checking today.

Even an answer with links deserves a closer look. Open the source. Check the date. Read what it actually says.

Before acting, ask:
“Does this apply in South Africa, under the current rules - and does it apply to me?”

A qualified financial planner can help you understand what is relevant and when a tax or legal specialist needs to join the conversation.

Your money lives in the real world. Check that the answer does too.

Highlights from my latest Financial Informer Newsletter | Q4 Edition 📘In this edition, we explore three important financ...
02/10/2026

Highlights from my latest Financial Informer Newsletter | Q4 Edition 📘

In this edition, we explore three important financial considerations that can have a lasting impact on your financial well-being: how regret aversion can influence the decisions we make, why life insurance remains an important part of protecting those we love, and the often-overlooked costs of purchasing property in South Africa.

💡 I hope you enjoy the read and find these insights both informative and thought-provoking.

Stay informed. Stay prepared. Read the full newsletter, and feel free to share your thoughts or questions in the comments.

AI can calculate. A planner can connect the dots.I recently tried an AI-generated investment quiz, just to see what it w...
28/09/2026

AI can calculate. A planner can connect the dots.

I recently tried an AI-generated investment quiz, just to see what it would recommend.

I selected AI/Tech and a desired return of 7–10%.

The result? Crypto.

And just like that, the tool had decided I was a “risk taker”.

But what hadn't it asked?

What is this money for?
When will I need it?
What can I afford to lose?
What other investments do I already have?
How does this fit into my overall financial plan?

That’s the difference between receiving an AI answer and receiving financial advice.

AI can process the information you give it. A financial planner looks beyond the prompt and connects the dots between your investments, tax, retirement, estate plan, family, goals - and the life you actually want to live.

Because the dots matter. And sometimes, it’s what you weren’t asked that matters most.

AI can sound incredibly convincing - even when the starting point is wrong.A person recently asked me whether a “state t...
18/09/2026

AI can sound incredibly convincing - even when the starting point is wrong.

A person recently asked me whether a “state trust” was the same as a normal trust or an inter vivos trust.

When I asked where the terminology came from, the answer was ChatGPT.

There is no shame in asking questions. In fact, I encourage it.

But this highlights one of the risks of taking AI answers at face value.

If your question is based on a wrong assumption, misunderstood terminology or incomplete information, AI can still give you an answer that sounds polished, confident and intelligent.

That doesn't automatically make it reliable.

In financial planning, knowing what to ask can be just as important as finding the answer.

So, before you act on an AI answer, ask yourself:
“What might I be missing?”

And if AI gives you terminology or an answer you don't fully understand, take it to someone qualified and ask: “I read this online. Can you help me understand what it means and whether it actually applies to me?”

The goal isn't to sound financially clever.
It's to make financially sound decisions.

AI can give you a biased answer. But an answer isn't necessarily good advice.A tax rule is not a financial plan.An inves...
12/09/2026

AI can give you a biased answer. But an answer isn't necessarily good advice.

A tax rule is not a financial plan.

An investment explanation is not an investment recommendation.

AI can give you information quickly and help you explore ideas. But it doesn't automatically know your responsibilities, your risks, your family, your priorities - or the consequences of getting the decision wrong.

A financial planner looks beyond the question being asked.

They consider the bigger picture, challenge assumptions, connect the dots and help you make decisions that are appropriate for your life, not just technically correct.

Use AI to learn.
Use qualified advice to decide.

Your financial future deserves more than a clever-looking answer.

Seasons come and go, embrace each one, including the messy middle ☀️🌺🥶🍁I cannot believe how one year can make such a big...
27/08/2026

Seasons come and go, embrace each one, including the messy middle ☀️🌺🥶🍁

I cannot believe how one year can make such a big difference.

My boy is so grown up at 14. But I was even more shocked when I compared a photo taken at his 13th birthday to July this year on his 14th birthday!!! Where did my little boy go!!!! What happened!!!

Made me realise that time goes by so quickly and I only get to create memories and enjoy the time with him, the good, the bad, the ugly (teenage season 14 going on 40🤣🤣🤣) and no matter how hard some seasons are and no matter what we are juggling with or struggling with, the reality is - life is passing us by ever so quickly, and it feels like more so now than ever before.

We don’t know what tomorrow brings, but one thing I do know is the one thing that keeps me going is my children. The reason why I get up in the mornings, the reason why I work so hard, the reason why I love so hard!!! It is part of a legacy I want to leave behind for my children.

A legacy that I loved them well, provided well, fought well for them, was a voice for them when they had no choice, and that my ethics and morals and values sometimes came across as hard core, and non negotiable, but only so they can carry it forward to the next generation, and that in the moments of quiet and withdrawn moments, it was because I was on my knees and crying out to God for them.

In my opinion a persons greatest success is the relationship they have with their children when they have nothing more to offer them but loving them. And this is such a hard one, because life is not perfect and we are not perfect, and what looks like success and love to the outside world could look like a messy middle in our own lives. Because that’s life, we have a beginning, a middle and an end. And in that middle is sometimes or most times a very messy middle that is transitioning, but never ever falling short of unconditional love.

But One thing I am convicted about is that love will always prevail, no matter what season we are in. And in those seasons where it feels like there is no love to give or receive, faith and hope will carry us through. Because LOVE NEVER FAILS!

Seasons come and go as we all know, our winters can be longer than they are for others. But summertime will always come, Autumn will shed lots of baggage and tears and rightfully as it has been designed so that Spring can bring in the new, the fresh, the seed that was planted in the dark will take root.

But when all is over and done, and we look back, let’s make sure we embraced those seasons and learnt the lessons, the growth, transformation and regeneration to spacious places and freedom.

Ultimately what I think we all want and need is peace, a peace that transcends all understanding.

Wishing you all a wonderful new season.

The Psychology of “I’ll Start Next Month”Perfection is a beautiful idea. It’s a terrible money strategy.We tell ourselve...
25/08/2026

The Psychology of “I’ll Start Next Month”

Perfection is a beautiful idea. It’s a terrible money strategy.

We tell ourselves we’ll start saving when the bonus comes.
We’ll invest when we earn more.
We’ll get serious about our finances when life feels a little less busy.

But “next month” has a habit of becoming next year.

Waiting feels safe because it means we don’t have to make a decision today. But financially, every month of delay is also a month of lost opportunity.

You don’t need the perfect amount.
You don’t need the perfect plan.
You just need to start.

If you can’t start big, start small.

One automated payment.
One conversation with your financial planner.
One financial goal written down.

Because I care more about your behaviour than your amount.

Faith moves. It doesn’t wait for perfect circumstances. Your money needs the same kind of courage.

What’s one financial goal you’ve been postponing?

And, what’s the smallest step you can take this week to move towards it?

Start there.

18/08/2026

Comparison can be expensive.

Not just financially, but emotionally.

When we constantly compare our lives to what we see online, it’s easy to start believing we need the bigger house, the newer car, the next holiday or the designer handbag to feel like we’re keeping up.

But financial success isn’t about looking like you’re doing well.

It’s about knowing what matters to you - and making financial decisions that support it.

Your money should help you build your life, not someone else’s.

So before your next “I need that” purchase, pause and ask yourself: “Do I actually want this, or do I just want what it represents?”

That small question can change the way you spend, save and plan.

14/08/2026

Ever paid off your credit card… only to run it up again?

Started saving… then found a reason to spend it?

You’re not necessarily bad with money.

Sometimes we sabotage our progress because success, security or even having “enough” can feel unfamiliar.

Fear. Guilt. Comparison. Old money stories.

The goal isn’t to create a perfect financial plan.

It’s to create one you can actually stick to.

What’s one financial habit you know you need to stop repeating?

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Berea

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