Sam De Goede CFP - Independent Financial Planner

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Sam De Goede CFP - Independent Financial Planner

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Cape Town based Independent Financial Planner. Advice driven Financial Planning focused on retirement We Deal with Your Life not Just Your Money!
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As a Cape Town based, Independent Financial Planner, I have a clear understanding of what your Financial Planning should look like. Lifestyle Financial Planning is advice driven with a clear focus on your retirement, investment and risk planning. We personalize your Lifestyle Financial Plan around your goals, ambitions & family. We help you turn your dreams into goals & goals into reality. We guide you on every aspect of your financial planning by tailoring your investment and pension portfolio to align with your goals. Our team of Financial Planners are highly qualified & experienced in Financial Coaching. We are able to answer questions like
"Am I doing everything I should be doing with my money?"
'Will I have enough money to do all the things I want to do?”

Together with ongoing coaching, we ensure you have the support needed to stay on track and achieve your goals. Pension Planning
Investment Advice
Financial Planning
Financial Planner
Retirement Modelling
Lifestyle Financial Planning
Cape Town Financial Planner

Personal Insurance
Business Insurance
Corporate and Employee Benefits for small to medium businesses

03/11/2026

When your income grows, your expenses don't have to grow with it. The most common financial trap is lifestyle creep - letting every raise, bonus, or new income stream get swallowed up by bigger bills and nicer things.

The real flex isn't upgrading your lifestyle every time your pay increases; it's keeping your baseline costs steady and directing that new surplus straight into your assets. Don't let a higher income just mean a higher cost of living. Use your increased earning power to buy your future freedom.

02/11/2026

In the age of AI and automation, relying on willpower to save money is a outdated strategy. If you wait to see what’s left over at the end of the month, discipline usually loses.

By automating your investments on payday, you eliminate friction, emotion, and monthly second-guessing. Let systemized transfers enforce your financial discipline automatically - so your long-term wealth builds in the background without you having to lift a finger.

29/10/2026

Building true financial freedom is a long journey. Along the way, you'll encounter countless forks, shortcuts that lead nowhere, and constant distractions pulling at your attention.

The people who reach their destination aren't the ones taking detour after detour - they're the ones who pick a solid strategy, stick to the road ahead, and keep driving forward. Stay disciplined, trust your direction, and keep your eye on where you're headed.

28/10/2026

"I'll start investing when I earn more" is a lie that bankrupts your financial future. The most powerful variable in wealth creation isn't your income - it's time. Waiting even five years to invest creates a compounding gap that requires substantially more capital to close later in life. Stop waiting for the perfect milestone; start putting time on your side today.

27/10/2026

Holding cash for emergencies is smart, but leaving extra money sitting on the sidelines comes at a cost. When your surplus capital sits untouched, it isn't just staying still - it's quietly losing purchasing power to inflation every day. Real financial security isn't about letting your wealth gather dust under the illusion of safety. Put your extra money to work and let it grow for your future.

26/10/2026

Planting a seed doesn't require constant digging to check on its roots-it requires time, soil, and patience. The same goes for your money. Stop stressing over market fluctuations and trying to time every shift. Plant your capital, set a solid strategy, and let time in the market do the growing for you.

23/10/2026

The market rewards patience, not thrill-seeking. Are you stock-picking and chasing the latest hype for a quick dopamine hit, or are you building a diversified, resilient portfolio? Pick your strategy: short-term gambling or lifelong mastery.

22/10/2026

It’s easy to look rich; it’s much harder to actually be wealthy. True wealth is invisible - it’s the money you don’t spend on depreciating assets just to keep up appearances. Stop draining your income to fund your ego, and start funding your future.

21/10/2026

AI is generating an unprecedented tsunami of financial data-endless charts, instant predictions, and automated commentary hitting your feed every second. But more information doesn't mean more clarity. In fact, most of it is just noise waiting to drown out your judgment.

When you're flooded with technical jargon and constant algorithmic updates, it's easy to freeze or make panic-driven moves. True financial strength isn't about processing every byte of data; it's about anchored discipline. Filter out the synthetic flood, keep your head above the noise, and let a proven, simple strategy guide your path.

16/10/2026

Q4 is the final leg of the relay. Don't coast to the finish line-grab the baton with both hands, line up your next steps, and finish strong

Address

Unit 4 Devonshire Court, 20 Devonshire Road, Wynberg
Cape Town
7800

Website

http://www.accruefin.co.za/

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