Francois Cilliers, CFP

Francois Cilliers, CFP Helping you protect & grow your wealth 💼💰
Trusts | Wills | Fiduciary Services | Estate Planning
Expert guidance from a CFP® professional

07/09/2026

If you died tonight — who actually gets what?

Most of us think we know. "My spouse gets everything." "The kids will be looked after." "The house stays in the family."

But estate planning can't run on assumptions. 🏡

Ask yourself: ✔️ Who receives the house? ✔️ Who receives the investments? ✔️ What happens to the business? ✔️ And what if a beneficiary passes before you do?

Most importantly… does your Will actually say what you think it says?

Don't assume. Review. 👇 Drop a 🧭 below if it's been more than 2 years since you last looked at yours.

03/09/2026

When did your life last change — and when did your Will last change?

If a new chapter has begun — marriage, children, divorce, a new home, a business, or retirement — it may be time to bring your Will back on course.

Let's chart your Financial Voyage together and make sure your estate plan reflects the life you're living today.

The person who drafted your Will five or ten years ago may have lived a very different life.
Estate planning needs to move with your Financial Voyage.

A major life event is often a good reason to revisit the plan.

COMPASS - Meticulousness

You signed it. But can you remember what it actually says?Many people can remember that they have a Will.Far fewer can r...
02/09/2026

You signed it. But can you remember what it actually says?

Many people can remember that they have a Will.
Far fewer can remember exactly what is in it.
Your assets may have changed.
Your family may have changed.
Your relationships may have changed.
Your wishes may have changed.
Your Will should not be treated as something you sign once and forget.

Pull it out.
Read every page.
Then ask yourself: “If this document took effect tonight, would I still be happy with the outcome?”

Locate your Will and read it this week.
If anything surprises you, it may be time for a review.

COMPASS - Accountability

01/09/2026

Estate planning starts with one simple question about your Will. 🧭

Having a Will is important. But here's a question most people never ask…

If something happened to you tonight, would your family know where the original Will is? Would they know who to contact? Would they know where to begin?

Estate planning isn't only about leaving assets. It's about leaving direction — so the people you love aren't left guessing during the hardest moment of their lives.

September is Wills Month in South Africa — the ideal time to review your will, update your beneficiaries, and make sure your wishes are clear, current and easy to follow. 💬 Message me to book a free will and estate planning review.

24/06/2026

Simple does not mean basic.
It means clear.
Synergy is when everything works together.

10/06/2026

Good plans are built in detail.
Great outcomes are built in consistency.

Good planning starts with honest conversation.Not pressure. Not confusion.
09/06/2026

Good planning starts with honest conversation.
Not pressure. Not confusion.

08/06/2026

The process matters just as much as the plan.
Meet COMPASS.

05/06/2026

“A goal without a plan is just a wish.”

Your financial future does not happen by accident. Retirement, wealth creation, business continuity, estate planning and legacy protection all need more than good intentions — they need direction, structure and regular review.

A clear financial plan helps turn uncertainty into action, and action into progress.

Start with the goal. Build the plan. Review the course.

Let’s chart your next financial step.
Contact us on:
WhatsApp - 069 063 7113
Email: [email protected]

04/06/2026

Products are tools.
Strategy is the plan.
Know the difference.

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1 Krige Street, West Acres, Nelspruit
Mbombela
1201

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