PJ Smith - Personal Financial Advisor

15/08/2024

There is a lot of excitement around the new two-pot retirement system 👀 but please, please make sure you know the rules and how the tax will impact you.

And NO, you don't have to resign from your job now in order to access your pension fund because "government is going to steal it." 🙄

15/04/2023

What a wonderful initiative by the Sharon Assembly of God to bring the services to the people at their community info day this morning.

Thank you for having me and I look forward to being part of the next one 🙏🏽

13/04/2023

This coming Saturday I'll be at the Sharon Assembly of God in Portlands, Mitchell's Plain as part of a community info day from 09h00 till 12h00!

Pop by and let's chat about your financial well being as well as information on the importance of Wills, life cover, funeral policies etc.

Entrance is completely FREE and our conversation will cost you absolutely nothing so come and take advantage of this opportunity.

See you then! 😁

22/06/2022

A great start to the morning networking with various businesses at the Cape Chamber of Commerce and Industry Business Breakfast hosted by Park Inn by Radisson Cape Town Newlands.

No matter what industry you're in, we're all connected in one way or another and in need of one another's services. So let's support each other to make our local businesses great again!

19/06/2022

Wishing all active dads a very Happy Father's Day! 💚

23/05/2022

What a great start to the week!

THANK YOU to all my short term insurance client for entrusting me to look after their homes, cars, businesses & other valuables which has made this recognition possible.

I am truly grateful for your support. Also a big shout out of thanks to my support system, Fatima & Tracey, for making things happen in the background. Without you ladies this would not be possible.

THANK YOU! ❤️

09/11/2021

Severe Illness Cover.

One of the most overlooked insurance covers which is a MUST have in your insurance portfolio. Sure, you may have medical aid to cover those in hospital expenses, but what happens when you get home? Is there enough money for the post-hospital expenses?

Read Kim's story and how severe illness cover assisted her in her time of need:

The only reason Kim Gillot noticed a lump in her breast was because she ran into a shower door in 2017. “I heard the phone ringing, and as I rushed out of the shower to answer it, I bumped into the door,” the 36-year-old from Durban explains. “Then I did what most women would do in the same si...

15/09/2021

We are smack bang in the middle of National Wills week and believe it or not, a Will is the most overlooked document in the financial planning process yet it serves a vital purpose.

Below are just 5 simple, but important reasons why YOU need a Will.

As usual, if you have any questions drop me an email or click the Whatsapp icon to get in touch!

23/08/2021

Good morning! It's a brand new week to make better financial decisions 😁

This week I want to briefly touch on short term insurance & today, particularly, motor insurance. This is one of life's big grudge purchases that's seen as compulsory if you own a motor vehicle especially when you factor in the alarming accident rate in SA.

But is that all it covers and how do you know which cover is right for your needs and are you aware that it covers more than just accident damage? Well, courtesy of Bizcommunity.com, Sheryl Thiel takes a closer look at some of these questions.

Have a great Monday!

How do you choose the correct cover and are all types of insurance cover equal? Can you under or over insure your car - and what will that mean for you?...

09/08/2021

Today we celebrate the diverse, phenomenal women of South African and salute the 20 000 women who marched to the Union Buildings in 1956.

May we always strive to do better, be better, protect and stand against those who want harm the mothers of our nation.

Happy Women's Day!

26/07/2021

Good morning! It's a brand new week to make better financial decisions 😁

It may be the last week of National Savings Month, but that doesn't mean we have to stop saving! I KNOW it can be very difficult, but the most difficult part is starting and once you've started the journey it can be become easier with dedication & commitment.

Here are 4 EASY steps in which you can grow your savings:

1. BUDGET BETTER - The more you know, the more your money will grow! You can't save if you don't know what you're spending on and how much so get those budgets going!

2. SET REALISTIC GOALS - The focus is on progress, NOT perfection. You'll make mistakes, we all do, but that's where we learn and make the necessary adjustments.

3. HOLD YOURSELF ACCOUNTABLE - Plan your spending with our Budgeting Benchmark Tool and track your spending using our AMAZING 22Seven app. It'll change your life. Promise.

4. REVIEW/ADJUST YOUR PLAN REGULARLY - Speaking to point 2. We are human, things change & so do our finances so we need to adjust accordingly when something new/unexpected comes along.

I'm always available should you need any further information so click the Whatsapp button or hit me up on email.

HAPPY SAVING!

19/07/2021

Good morning! It's a brand new week to make better financial decisions 😁

Last week we saw our beautiful country in flames with looting and destruction and property and naturally questions arise about who pays for it all. Whether a business property or your private home or motor vehicle, the South African Special Risk Insurance Association (SASRIA) covers damage caused by riots & strikes and at the link, Ricardo Coetzee from Wheels24 / News24.com tells us why this option should ALWAYS be selected on your insurance policy.

With civil unrest on the rise in South Africa, car owners are encouraged to add Sasria cover to their insurance policies. Here's why.