Mikhail Fredericks, RFP - Registered Financial Planner

Mikhail Fredericks, RFP - Registered Financial Planner Your trusted financial planner with 10+ years of experience. I specialize in risk cover, retirement planning, and investments. Let’s plan your future together!

My priority is to provide expert, personalized financial solutions and exceptional service. I'm a passionate problem-solver dedicated to offering solutions. My goal is to teach and grow together, fostering knowledge and development. Outside of work, I find solace in the outdoors, indulge in reading, and prioritize my health and fitness journey. Striving to be the best version of myself at all times, I'm committed to sharing my expertise and empowering others.

21/04/2026

You work hard to provide for your family and to protect them to the best of your ability. Unfortunately, we’re all faced with the reality of everyday risks and adversities that could impact our lifestyle and threaten our livelihood. Having the right insurance in place will give you peace of mind, ...

23/02/2026

Pay less tax and grow your savings with smart investment choices. This blog explains tax-efficient options like Tax-Free Savings Accounts (TFSAs), showing how you can maximise returns while minimising tax with expert guidance.

19/02/2026

Ramadan Mubarak from Zizaru Bluestar to you ☪️

02/12/2025

A will stipulates how your property, possessions, money and other assets will be distributed when you pass away. It will also give you peace of mind that your estate will be taken care of.

19/11/2025

Glacier by Sanlam

12/11/2025

November is globally known as Movember to create a greater awareness around Men’s Health. This is a time geared towards highlighting the most prevalent health issues that affect men, in particular prostate and testicular cancer.

03/11/2025

Once you have completed the questionnaire, a basic financial wellness report will be sent to you. The quiz results will provide you with an overall score on the following:

01/07/2025

🎓 The True Cost of Education in SA 📚

Did you know that by the time your child starts university, the average cost could be over R500,000? 😱 And that's just one child! 📈

👶🏼 What is an Education Savings Plan?
It’s a goal-based investment designed to grow steadily over time — giving your child the best shot at tertiary education without debt. The earlier you start, the more affordable it becomes thanks to compound growth.

✅ Already have an education plan in place?
Great! The next step could be setting up a Tax-Free Savings Account (TFSA) in your child’s name — perfect for building additional funds for life after school.

💡 Whether you're planning ahead or catching up, every parent needs a strategy. Let's make sure your child’s future is protected and their dreams are within reach.

📲 Reply “EDUCATION” if you’d like me to do a quick review or set up your plan.

03/06/2025

Here are 10 myths about retirement:

1. "I'll retire at 65."
Many retire earlier or later due to health, job loss, or personal choice.

2. "I won’t need as much money."
Expenses like healthcare, travel, and supporting family can increase.

3. "Government grants or pensions will be enough."
These are often not sufficient to maintain your lifestyle.

4. "I can work forever."
Health or market changes may prevent this.

5. "My house is my retirement plan."
Property is illiquid and values can fluctuate.

6. "I’ll spend less in retirement."
You may spend more on hobbies, medical costs, or family.

7. "It’s too late to start saving."
It’s never too late—starting now is better than never.

8. "My kids will support me."
They may have financial pressures of their own.

9. "Debt doesn’t matter in retirement."
Carrying debt into retirement can strain your income.

10. "I don’t need professional advice."
A financial advisor can help you avoid costly mistakes.

Exciting News – I’ve Leveled Up!I’m proud to share that I am now officially an accredited Sanlam Investment Generalist!W...
20/05/2025

Exciting News – I’ve Leveled Up!

I’m proud to share that I am now officially an accredited Sanlam Investment Generalist!

What does this mean for you? It means I’ve expanded my expertise and can now assist with a wider range of investment solutions — investing within Sanlam and externally. I’ve completed advanced training and gained in-depth knowledge on more complex investment options, allowing me to tailor smarter, more strategic financial plans that align with your unique goals.

Whether you're investing for growth, income, or long-term security — I’m ready to guide you every step of the way with confidence and insight.

Let’s grow your wealth, together.

Planet Fitness Members – Pay Less for the Same Access!Still paying full price for your Planet Fitness membership? Here’s...
06/05/2025

Planet Fitness Members – Pay Less for the Same Access!

Still paying full price for your Planet Fitness membership? Here’s how to save:

Take out a Sanlam Policy (either Life Cover or Income Protection from just R150/month) AND sign up for Sanlam Reality Plus at R289/month – and you’ll qualify for a R750 discount on your gym membership every month.

Let’s break it down:

Planet Fitness full price: R949

Sanlam Reality Discount: –R750

You now pay: R199/month for gym

Your total spend:

Sanlam Cover: R150 (Life OR Income Protection)

Sanlam Reality Plus: R289

Total: R638/month

You’re covered AND saving money monthly!

Drop a comment or DM to get started.

Address

Milnerton
7441

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