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RIG RiG advisory services (Pty) Ltd is an authorised financial services provider

The freedom of an open handWhen there are bills to pay, and income feels like it’s not quite enough to cover the monthly...
16/10/2026

The freedom of an open hand

When there are bills to pay, and income feels like it’s not quite enough to cover the monthly expenses, it’s easy to hold back on generosity. Sometimes, we might even treat generosity as a financial finish line.

We tell ourselves that once we hit a certain net worth, or once we finally retire, then we will start giving back. We want to ensure our own bucket is completely full before we are in a position to share.

It is a perfectly logical way to think. But it carries a hidden behavioral risk.

If we spend our entire working lives fiercely guarding every single cent, accumulation becomes our default setting. We wire our brains for scarcity. When we finally reach our financial goals, we often find that the clenched fist is incredibly hard to open.

There’s a principle in financial planning that encourages a very different approach. It views generosity not as a distant destination, but as a habit to cultivate along the journey, creating the opportunity to experience freedom today, not just “some day”.

You do not need to be independently wealthy to be a steward of your money.

Stewardship is simply the everyday realisation that wealth is a tool meant to be used, not just a number to be hoarded.

Read the rest of the blog and more, visit the link below.

The freedom of an open hand | RiG https://rig.ac/the-freedom-of-an-open-hand/

Creating a single view for your wealth There is a common belief that when it comes to our wealth, we should never put al...
16/10/2026

Creating a single view for your wealth

There is a common belief that when it comes to our wealth, we should never put all our eggs in one basket. It’s easy to extend this logic to our financial advice.

We often assume that having multiple advisers is the safest approach. We might have one for our retirement fund, one for our stock portfolio, and perhaps another for our tax structuring.

It feels like we are diversifying our risk and getting a healthy mix of second opinions. But in practice, this fragmented approach often creates a hidden, exhausting problem.

When your financial affairs are spread across multiple professionals, you inadvertently become the project manager of your own wealth. Because none of your advisers are talking to each other, no one holds the master blueprint.

One adviser might be taking an aggressive risk approach, while another is overly conservative, quietly cancelling out your overall strategy. There might be overlapping fees, hidden tax inefficiencies, or glaring blind spots in your estate plan.

It is like hiring a team of brilliant subcontractors to build a house, but never appointing a lead architect. They are all working hard, but no one is making sure the rooms actually connect.

Read the rest of the blog and more, visit the link below.

Creating a single view for your wealth| RiG https://rig.ac/creating-a-single-view-for-your-wealth/

The invisible scriptsDid you know that, according to cognitive scientists, the average person processes over 6,000 disti...
12/10/2026

The invisible scripts

Did you know that, according to cognitive scientists, the average person processes over 6,000 distinct thoughts every single day. That’s around six to ten thoughts per minute.

It is an overwhelming amount of mental data flowing through our minds from the moment we wake up. But have you ever paused to ask what is actually driving all of those thoughts?

When it comes to our money, we like to believe that our thought process is purely logical. We assume that when we review our portfolios, set our budgets, plan for a holiday, or conclude a business deal, we are acting as perfectly rational beings.

If personal finance were just about the math, it would be incredibly simple.

But money is rarely just about the numbers. It is deeply tangled in emotion, security, and our personal history. Behind those thousands of daily thoughts, our financial choices are being quietly directed by “invisible scripts.”

These are the deep-seated, subconscious beliefs about money that we picked up decades ago, often without even realising it.

Read the rest of the blog and more, visit the link below.

The invisible scripts| RiG https://rig.ac/the-value-of-a-financial-thinking-partner/

The value of a financial thinking partnerWhen we think about working with a financial planner, we often assume the value...
12/10/2026

The value of a financial thinking partner

When we think about working with a financial planner, we often assume the value lies entirely in the numbers or the brokering of a financial product or contract. We naturally expect them to pick the right investments, optimise our tax, and help us generate a better yield.

Those technical elements are certainly important.

But true lifestyle financial planning goes far beyond the spreadsheet. The real value is rarely found in simply trying to beat the market. It is found in the deeply human support that helps us build a flourishing life.

When you engage with a qualified and experienced financial planner, you are really bringing six specific pillars of value into your financial journey.

Read the rest of the blog and more, visit the link below.

The value of a financial thinking partner| RiG https://rig.ac/the-value-of-a-financial-thinking-partner/

"Trust is in fact earned in the smallest of moments." – Brené BrownKim Potgieter brought this to life at the The Financi...
07/10/2026

"Trust is in fact earned in the smallest of moments." – Brené Brown

Kim Potgieter brought this to life at the The Financial Planning Institute SA Convention. She took us through Brené Brown's BRAVING model of trust, then asked us to think about our most loyal client and why they trust us.

The line on her slide said it best: trust is built through emotional presence, time and again. Invest in being present.

My most loyal clients don't trust me because of one big moment or a clever portfolio. They trust me because, over many years, I listened, paid attention and showed up when it mattered.

Thank you, Kim Potgieter CFP®. An amazing talk. Thank you for being a pioneer in this space. You deserve a massive round of applause for staying the course.

The real purpose of short-term insuranceIt is perhaps the ultimate grudge purchase.Every single month, we watch the prem...
06/10/2026

The real purpose of short-term insurance

It is perhaps the ultimate grudge purchase.

Every single month, we watch the premium leave our bank accounts. We pay to insure our cars, our homes, and our household contents, often wondering if it is simply money down the drain.

Because if we have a quiet year with no claims, it can easily feel like a wasted expense.

But if we look at it through the lens of our overall financial wellbeing, it might be helpful to fundamentally reframe why we actually buy short-term insurance. We naturally assume we are just paying to replace a damaged bumper, fix a burst geyser, or replace a stolen laptop.

But that is only the mechanical side of the transaction. What we are actually buying is emotional margin. Life is inherently unpredictable, and things will inevitably break, crash, or go wrong. When these moments happen, they bring a sudden, heavy wave of stress and cognitive overload.

If we don’t have adequate cover in place, we are forced to deal with two massive problems at exactly the same time.

We have to navigate the logistical nightmare of the emergency, and we have to absorb the sudden financial trauma. We suddenly have to raid our emergency funds, or pull money from our investments. We are forced to disrupt the capital we were patiently building for our family’s future, just to fix a problem in the present.

To read the rest of the blog and more, visit the link below.

The real purpose of short-term insurance| RiG https://rig.ac/am-i-going-to-be-okay/

Am I going to be okay?This is one of the most commonly asked questions. Research in financial therapy shows that we don’...
23/09/2026

Am I going to be okay?

This is one of the most commonly asked questions. Research in financial therapy shows that we don’t buy products; we buy peace of mind. Underneath every question about fee structures or historical returns, we are actually asking a much simpler, deeply human question: ‘Am I going to be okay?’

It is the quiet worry that can so often keep us awake at night.

We wonder if we have saved enough, if the market will hold, or if an unexpected life event will suddenly derail our carefully laid plans. In our search for an answer, we naturally look to our bank balances for reassurance.
We assume that if we can just accumulate a little bit more, if we can just hit that magic retirement number, the anxiety will finally disappear. We believe that security is found at the bottom of a spreadsheet.

But there is a gentle, yet profound truth we often miss along the way. A large pile of money, on its own, does not actually create peace of mind.

Without a clear blueprint, capital is just potential. It is like having a massive pile of bricks sitting in an empty field. The bricks themselves don’t provide shelter or warmth. It is the architectural plan, the intentional design of the house, that actually keeps the rain out and creates a space that feels like a home.

True financial security is not found simply in having money. It is found in having a plan to use it wisely. When we shift our focus from just accumulating wealth to actively designing our lives, everything changes.

To read the rest of the blog and more, visit the link below.

Am I going to be okay | RiG https://rig.ac/am-i-going-to-be-okay/

What’s running the show?We invent tools to make our lives easier, more efficient, and more comfortable. But there is a s...
18/09/2026

What’s running the show?

We invent tools to make our lives easier, more efficient, and more comfortable. But there is a strange phenomenon that happens when we aren’t paying attention. Sometimes, the tool quietly becomes the master.

Money is perhaps the greatest example of this.

At its core, wealth is simply a utility. It is meant to be a tool that we use to build a flourishing, meaningful life.

But without strict boundaries, it is incredibly easy to let the pursuit of that wealth completely run our lives. We often allow it to dictate our daily schedules and our underlying stress levels. It decides how many hours we work, how often we check our emails at the dinner table, and how much mental energy we have left at the end of the day.

We tell ourselves we are just doing what it takes to be responsible. We are simply providing for the people we love.

But there is a dangerous tipping point we have to watch out for. If we let this pursuit run unchecked for too long, it can eventually ruin the very things we are supposedly building the wealth to protect.

Perhaps, we can think of it like a vineyard.

A vine is ultimately designed to produce fruit. But if a vineyard is left completely unattended, allowed to just grow wildly in every direction, it quickly becomes tangled and knotted. All of its energy goes into producing sprawling, heavy branches, and the vine eventually stops bearing actual fruit.

Our lives work the exact same way.

To read the rest of the blog and more, visit the link below.

What’s running the show | RiG https://rig.ac/whats-running-the-show/

Financially StrongerThere is a powerful reminder that often surfaces when life feels overwhelming: You have survived you...
18/09/2026

Financially Stronger

There is a powerful reminder that often surfaces when life feels overwhelming: You have survived your worst days, and you are stronger than you think.

A.A. Milne put it like this: “You are braver than you believe, stronger than you seem, and smarter than you think.” When we apply this simple truth to our financial lives, it takes on a profound meaning.

It is incredibly easy to feel financially fragile. Our brains are literally wired for survival, which means they are also wired for panic. Behavioural finance teaches us a concept called “loss aversion.” This principle shows that we feel the pain of a financial loss far more intensely than we feel the joy of an equivalent gain.

Because of this wiring, when the markets suddenly dip or an unexpected expense arises, our immediate instinct is to catastrophise. We can quickly project our current anxiety into the future and choke the promises we’ve been believing. We imagine the absolute worst-case scenario.

But what if we paused before we panicked about the future?

To read the rest of the blog and more, visit the link below.

Financially Stronger | RiG https://rig.ac/financially-stronger/

50 To 80 Might Be Our Most Productive YearsWe have been culturally conditioned to view retirement as a hard finish line....
18/09/2026

50 To 80 Might Be Our Most Productive Years

We have been culturally conditioned to view retirement as a hard finish line.

For most of our lives, the narrative suggests that the moment we reach our late fifties or sixties, we are supposed to quietly wind down. We are taught to view this era as a long, uninterrupted retreat from the world.

But what if we have it completely backward?

Thanks to modern medicine and a focus on our healthspan, many of us are entering our later years with incredible physical and cognitive vitality. This means we might have two or three decades of active, vibrant life ahead of us after our primary careers come to an end.

If we view this massive block of time purely as a permanent holiday, we risk losing our sense of meaning. As we’ve explored before, human beings are fundamentally wired for purpose. A life of endless leisure can quickly lead to a loss of identity.

Instead, the years between fifty and eighty hold a unique kind of influence.

This is the season where our wisdom, our resources, and our time finally compound.

In our thirties and forties, our productivity is often driven by necessity. We are frantically trying to build our careers, pay off the mortgage, and raise our families. The pressure is immense, and our time is rarely our own.

But as we transition into our later decades, that heavy pressure naturally begins to lift. We are no longer trying to prove ourselves. We are no longer forced to aggressively climb a corporate ladder or sacrifice our weekends for a promotion. Where we have built a foundation of financial security, we hopefully have the autonomy to choose our struggles.

To read the rest of the blog and more, visit the link below.
50 To 80 Might Be Our Most Productive Years | RiG https://rig.ac/50-to-80-might-be-our-most-productive-years/

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