Francois Cloete - Sanlam Financial Adviser, Robertson

04/11/2026

Kyk na wat finansiële vryheid teen ‘n Suid-Afrikaanse agtergrond beteken – van ontsnapping aan skuld en die verkryging van ‘n stabiele inkomste om onafhanklikheid en sekerheid te bou deur spaar en beleggings, met praktiese stappe om daar te kom.

Our economic climate means freedom is influenced by various challenges. Here’s how to practically lay down the road towards the ultimate dream.

03/11/2026

Hier is vyf selfversorgings- en gesondheidswenke wat mans by hul daaglikse roetine kan insluit en wat met die vroeë opsporing van ernstige siektes kan help. Dis ook ‘n goeie idee om met ‘n finansiële beplanner te gesels om te verseker dat jy voldoende versekeringsdekking in plek het om jou teen enige onvoorsiene uitgawes en verlies van inkomste te beskerm indien jy met kanker gediagnoseer word.

This Movember, take proactive steps for your health. Early detection of prostate and testicular cancer through self-exams and regular check-ups can save lives. Pair this with financial planning to stay protected and confident.

02/11/2026

Many misconceptions surround prostate cancer, but understanding the facts can make all the difference. This article debunks common myths, helping men make informed decisions about their health and the importance of early detection.

Prostate cancer is common and often shows no early symptoms. Dr Friedel Kerchhoff debunks five common myths and offers practical advice for confident living, highlighting the importance of regular screening and knowing your risks.

30/10/2026

31 Oktober is die perfekte tyd om jou finansiële toekoms te verseker! 💎 Kontak ons en navigeer jou pad na 'n helderder finansiële toekoms https://www.sanlamadvice.co.za/adviser/francois-cloete/contact-us/

28/10/2026

When discussing cancer, the conversation often focuses on treatment and recovery.

But there’s another reality that deserves attention: THE FINANCIAL IMPACT.

Beyond direct medical expenses, individuals and families may face reduced income, additional travel costs, caregiving expenses, and other unforeseen financial pressures. These challenges can have a lasting effect on long-term financial wellbeing.

For financial professionals and consumers alike, understanding the broader financial implications of serious illness is an important part of effective financial planning.

An informed plan is not about predicting the future. It’s about preparing for uncertainty.

Read my full article here:
🔗 https://www.sanlamadvice.co.za/adviser/francois-cloete/blogs/the-hidden-cost-of-cancer/

27/10/2026

👩‍🏫 Teachers, you've spent hours preparing lesson plans for your classes during the first 3 Terms of the year... the question is, did you give your pay cheque the same attention?

Francois Cloete can help you design your “financial lesson plan” that teaches you how to make smart money decisions and stay on track.

✅ Start planning today → https://www.sanlamadvice.co.za/adviser/francois-cloete/financial-planning/financial-planning-process/

Book a 1 on 1 session with Francois at the link above or call 📞 0762532137 / 0762532137 and let’s build your financial plan together.

23/10/2026

The year-end is fast approaching, with less than 3 months to go before we all start winding down for some well-deserved time off.

In the lead up we suggest that you review the following key "allowances" and financial considerations:

REVIEWING YOUR FINANCIAL PLAN

The final quarter of the year is a good time to "spring clean" your financial plan to ensure that you are on track to achieve the goals set out at the beginning of the year.

REVIEWING YOUR WILL

We encourage you to review your will or have a new will drafted.

HOLIDAY SAVINGS PLAN

If you haven't started already, now is the time to start saving for those end-of-year expenses.

This year has been a challenging year for us all. For the last quarter, our advice to you is to focus on what you can control and not focus on things that are out of your hands.

Some of the things you can control are your finances.

Get in touch with a financial planner Francois Cloete to discuss how you stay in control when it comes to your savings, investments and insurance. https://www.sanlamadvice.co.za/adviser/francois-cloete/contact-us/

Source:
iol.co.za/personal-finance/finan...-times-of-market-volatility/

22/10/2026

Learn the 9 key elements every sound financial plan should have. E.g. Tip #5. Be prepared for retrenchment.
#9. Don’t neglect your paperwork.
Find all nine tips in my blog article during .

Recent years have proven one thing – being adaptable, flexible, responding quickly to change and being resilient are traits that we need if we are to survive, and thrive, in a world that’s constantly changing. We cannot stress enough the importance of a financial plan designed by an appropriatel...

20/10/2026

Speak to a local financial adviser from your community this October during .

💡Think of it as the annual money check-in you may have missed.

At the start of the year, many of us set financial goals...
Save more...
Invest consistently...
Reduce debt...
Build a safety net.

But life happens.

The good news?

You don't need a new year to make a fresh start. October is the perfect opportunity to pause, review where you are, and take the next step towards where you want to be.

Sometimes, the smartest financial move isn't doing it alone. A conversation with a nearby Sanlam Financial Planner like Francois Cloete can help you see opportunities, spot gaps, and build a plan that works for your life.

Your future self will thank you for starting today. 🌱

What financial goal would you most like to achieve before the end of the year? Leave a message on my digital business card below to connect.

I’m a financial adviser redefining modern wealth management through precision, technology, and insight. With experience in the South African financial services industry, I specialise in investment strategy, insurance structuring, and tax-efficient planning. My philosophy — Financial Advice, Rewi...

19/10/2026

A decision you make today could have a lasting impact on a child's tomorrow. Get in touch with Francois Cloete 0762532137 to discuss their future today.