Francois Cloete - Sanlam Financial Adviser, Robertson

17/06/2026

No matter how qualified or well paid your children become, it may all amount to nothing if they cannot manage their money.

Fortunately, as a Father or a Mother, you have the power to equip your children with the tools they need to be financially savvy.

https://www.sanlamadvice.co.za/adviser/francois-cloete/blogs/what-parents-should-be-teaching-children-about-money/

15/06/2026

Francois Cloete shares "FIVE ESSENTIAL FINANCE TIPS FOR NEW FATHERS" 👨‍👧‍👦💸

📌 1.TACKLE DEBT:

If you’ve been making use of debt (such as a credit card with high interest rates) to support a lifestyle that you can’t really afford, it’s time to free yourself up. On the other hand, a strategic investment such as a home loan can be a positive move.

📌 2.SET GOALS:

Prioritise goals that will help you to secure a healthy financial future for your family. Plan your monthly budget, and determine how much you can save. Once you’ve paid off your debt and saved enough to cover about 3 months’ worth of living expenses, you can consider investing.

📌 3.COVER YOURSELF:

Insurance policies that deal with life-changing events such as DISABILITY, DEATH and RETIREMENT provide security through either a lump sum payment (for example on the death of a spouse) or an income in the long term, for example if you are disabled and cannot carry on earning a salary. Examples of long term insurance policies include life insurance, funeral policies and retirement annuities.

Speak to Francois Cloete a Sanlam Financial Adviser 0762532137

📌 4.MAKE THE MOST OF YOUR MEDICAL AID:

If you’re a member of a registered medical aid scheme, your new baby should receive immediate cover. Check your plan to see if there are any particular perks for babies, such as a dedicated programme for newborns. The best medical plan for you and your baby will depend on the baby’s needs and your budget.

📌 5.PLAN FOR EDUCATION:

Many parents choose a dedicated education plan to save for high school or tertiary education fees. Keep in mind that education involves more than school fees – you’ll also need to consider sports outings, gifts for schoolfriends’ birthday parties, aftercare and transport.

Check out this info on our website to work out just how much your child's education may cost - https://www.sanlamadvice.co.za/adviser/francois-cloete/investments/education-planning

14/06/2026

A will isn’t just paperwork - it’s a plan for the people you love. Learn why having a valid will matters (especially if you have children), how it helps avoid complications, and how it can bring clarity and peace of mind for your family.

A valid will helps ensure your wishes are followed, loved ones are protected, and assets are distributed clearly. Take ownership of your estate planning today.

13/06/2026

‘n Vergadering met ‘n finansiële adviseur behoort nie intimiderend te voel nie. Dit behoort bemagtigend te voel. Deel asseblief hierdie kontrolelys met jou kontakte om hulle te help om voorbereid te wees wanneer hulle met een van ons finansiële adviseurs vergader en met duidelikheid en sekerheid uit te stap.

Prepare before meeting your financial adviser to make the most of your session. Bring key questions, review your will, portfolio, and financial plan, and gain clarity, peace of mind, and guidance to reach your goals.

12/06/2026

Een van ons belangrikste pligte as ouers is om seker te maak dat ons kinders goed versorg en beskerm is. ❤️

Maar hoe verseker ons dat dit lank na ons dood voortduur?

Deur die regte voog vir jou kinders te kies en 'n testament op te stel.

Lees meer hier - https://www.sanlamadvice.co.za/adviser/francois-cloete/blogs/plan-carefully-for-your-childs-inheritance/

Het jy vrae vir jou finansiële adviseur? Maak kontak met Francois hieronder - https://www.sanlamadvice.co.za/adviser/francois-cloete/contact-us/

09/06/2026

No matter how qualified or well paid your children become, it may all amount to nothing if they cannot manage their money. Fortunately, as a parent you have the power to equip your children with the tools they need to be financially savvy.

As a parent, you want to give your children every opportunity in life, and that undoubtedly begins with the best education you can offer them. You hope your children will do well at school, obtain a qualification and pursue a career, which will ultimately enable them to gain independence and financi...

08/06/2026

🎉08.06.2026🎉 As Sanlam-adviseurs is ons trots om deel te wees van ’n nalatenskap wat al vir meer as ’n eeu mense bemagtig om met vertroue te leef.

Gesels met 'n Sanlam adviseur, en ontdek hoe om 'n veiliger toekoms vir jou en jou gesin to beplan - https://www.sanlamadvice.co.za/adviser/francois-cloete/about-us

Francois Cloete
📞 Phone: 0762532137
📧 Email: [email protected]
🏢 Office: 30 Van Reenen Sreet, Robertson, 6705

Vir 108 jaar het Sanlam saam met Suid-Afrikaners gegroei — altyd aanpasbaar, betroubaar en kliënt-gefokus.

04/06/2026

Want to give your child a head start? This article shares practical, easy to apply tips - like encouraging saving early, talking openly about debt, and leading by example to build confident money habits that last a lifetime.

There’s never been a greater need for parents to give their children a solid financial foundation. For those who are unsure where to start, here are a few tips (and fun ideas) to guide you in having this conversation.

02/06/2026

🎉 [WEBSITE FEATURE] Get rewarded for smart financial decisions! Exclusive discounts & lifestyle perks await. Share the movie and travel benefits with family and friends.

Sanlam Reality is a lifestyle and rewards programme that empowers and rewards you as you improve your financial wellbeing. Anyone can join Sanlam Reality! Sanlam Reality members get special offers on selected Sanlam products, save money on wellness, travel, day-to-day expenses entertainment and more...

01/06/2026

Let go of money shame—it's only holding you back. Financial struggles happen to everyone, but shame won’t fix them. Instead, focus on learning, growing, and taking control of your finances.