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Building your financial future with personalized expertise and 30+ years of experience.

03/11/2026

Please note that Wealth Craft will be closed on 𝐖𝐞𝐝𝐧𝐞𝐬𝐝𝐚𝐲, 𝟒 𝐍𝐨𝐯𝐞𝐦𝐛𝐞𝐫 𝟐𝟎𝟐𝟔, for the South African Local Government Elections.

We will resume normal business hours on 𝐓𝐡𝐮𝐫𝐬𝐝𝐚𝐲, 𝟓 𝐍𝐨𝐯𝐞𝐦𝐛𝐞𝐫 𝟐𝟎𝟐𝟔.

Wishing everyone a safe and peaceful election day! 🇿🇦

🗳️ Every vote counts!

30/10/2026

𝗪𝗼𝗿𝗹𝗱 𝗦𝗮𝘃𝗶𝗻𝗴𝘀 𝗗𝗮𝘆: give every Rand a job 🪙

World Savings Day is a reminder that saving does not have to start with a large amount. It starts with a purpose.
Try dividing your savings into three jobs:

1️⃣ 𝗧𝗵𝗲 𝘂𝗻𝗲𝘅𝗽𝗲𝗰𝘁𝗲𝗱 - an emergency buffer.
2️⃣ 𝗧𝗵𝗲 𝗲𝘅𝗰𝗶𝘁𝗶𝗻𝗴 - holidays, education, a home or another goal.
3️⃣ 𝗧𝗵𝗲 𝗳𝘂𝘁𝘂𝗿𝗲 - money that can stay invested for longer.

Different jobs may need different accounts and different levels of access. 🪜

You do not have to build every pot at once. Start with one small, realistic habit, then grow from there. 🪴

Which savings goal are you working towards right now? 🤔

𝐷𝑖𝑠𝑐𝑙𝑜𝑠𝑢𝑟𝑒: 𝑃𝑙𝑒𝑎𝑠𝑒 𝑠𝑝𝑒𝑎𝑘 𝑡𝑜 𝑦𝑜𝑢𝑟 𝐹𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙 𝑃𝑙𝑎𝑛𝑛𝑒𝑟 𝑓𝑜𝑟 𝑎𝑑𝑣𝑖𝑐𝑒 𝑡𝑎𝑖𝑙𝑜𝑟𝑒𝑑 𝑡𝑜 𝑦𝑜𝑢𝑟 𝑐𝑖𝑟𝑐𝑢𝑚𝑠𝑡𝑎𝑛𝑐𝑒𝑠. 𝐼𝑛𝑣𝑒𝑠𝑡𝑚𝑒𝑛𝑡 𝑣𝑎𝑙𝑢𝑒𝑠 𝑎𝑛𝑑 𝑟𝑒𝑡𝑢𝑟𝑛𝑠 𝑎𝑟𝑒 𝑛𝑜𝑡 𝑔𝑢𝑎𝑟𝑎𝑛𝑡𝑒𝑒𝑑 𝑎𝑛𝑑 𝑚𝑎𝑦 𝑏𝑒 𝑎𝑓𝑓𝑒𝑐𝑡𝑒𝑑 𝑏𝑦 𝑚𝑎𝑟𝑘𝑒𝑡𝑠.

27/10/2026

✍🏻 𝗜𝘀 𝘆𝗼𝘂𝗿 𝗪𝗶𝗹𝗹 𝘀𝗶𝗴𝗻𝗲𝗱 𝗰𝗼𝗿𝗿𝗲𝗰𝘁𝗹𝘆?

❗Having a Will is important. Having a valid Will is what makes the difference.

In South Africa 🇿🇦, a person aged 16 or older can generally make a Will if they understand what they are signing. The Will must be in writing and signed at the end in the presence of at least two competent witnesses. The person making the Will must also sign the other pages.

A witness may be 14 or older if competent to give evidence in court. But beneficiaries, nominated executors and certain related people should not be witnesses because of the legal consequences.

A good next step? Have a professional check the document, then keep the signed original safe 🛟 - and tell someone trusted where it is.

𝐷𝑖𝑠𝑐𝑙𝑜𝑠𝑢𝑟𝑒: 𝑇ℎ𝑖𝑠 𝑖𝑠 𝑔𝑒𝑛𝑒𝑟𝑎𝑙 𝑆𝑜𝑢𝑡ℎ 𝐴𝑓𝑟𝑖𝑐𝑎𝑛 𝑒𝑠𝑡𝑎𝑡𝑒-𝑝𝑙𝑎𝑛𝑛𝑖𝑛𝑔 𝑖𝑛𝑓𝑜𝑟𝑚𝑎𝑡𝑖𝑜𝑛, 𝑛𝑜𝑡 𝑙𝑒𝑔𝑎𝑙 𝑎𝑑𝑣𝑖𝑐𝑒. 𝐴𝑠𝑘

23/10/2026

𝗥𝗲𝘁𝗮𝗶𝗹, 𝗺𝗮𝗿𝗸𝗲𝘁 𝗼𝗿 𝗮𝗴𝗿𝗲𝗲𝗱 𝘃𝗮𝗹𝘂𝗲: 𝘄𝗵𝗮𝘁 𝗶𝘀 𝘆𝗼𝘂𝗿 𝗰𝗮𝗿 𝗶𝗻𝘀𝘂𝗿𝗲𝗱 𝗳𝗼𝗿?

🚗 Your car may have more than one value. Do you know which one your insurance policy uses?

𝗥𝗲𝘁𝗮𝗶𝗹 𝘃𝗮𝗹𝘂𝗲 generally refers to a vehicle’s estimated dealer selling price. Market value broadly reflects what a similar vehicle could sell for in the market. An agreed or nominated value is an amount specified with the insurer, subject to the policy terms.

❓ Why does it matter? The insured value can affect the amount considered when a vehicle is stolen or written off - alongside the excess, exclusions and claims conditions.

👀 Have a look at your schedule. If you are not sure which basis applies, ask before you need to claim.

𝐷𝑖𝑠𝑐𝑙𝑜𝑠𝑢𝑟𝑒: 𝐶𝑜𝑣𝑒𝑟, 𝑒𝑥𝑐𝑙𝑢𝑠𝑖𝑜𝑛𝑠, 𝑙𝑖𝑚𝑖𝑡𝑠 𝑎𝑛𝑑 𝑐𝑙𝑎𝑖𝑚𝑠 𝑜𝑢𝑡𝑐𝑜𝑚𝑒𝑠 𝑑𝑒𝑝𝑒𝑛𝑑 𝑜𝑛 𝑡ℎ𝑒 𝑝𝑜𝑙𝑖𝑐𝑦 𝑤𝑜𝑟𝑑𝑖𝑛𝑔 𝑎𝑛𝑑 𝑖𝑛𝑠𝑢𝑟𝑒𝑟. 𝐴𝑠𝑘 𝑦𝑜𝑢𝑟 𝑎𝑑𝑣𝑖𝑠𝑒𝑟 𝑡𝑜 𝑟𝑒𝑣𝑖𝑒𝑤 𝑦𝑜𝑢𝑟 𝑖𝑛𝑑𝑖𝑣𝑖𝑑𝑢𝑎𝑙 𝑐𝑖𝑟𝑐𝑢𝑚𝑠𝑡𝑎𝑛𝑐𝑒𝑠.

21/10/2026

𝗧𝗵𝗿𝗲𝗲 𝗦𝗔𝗥𝗦 𝗳𝗶𝗴𝘂𝗿𝗲𝘀 𝘄𝗼𝗿𝘁𝗵 𝗸𝗻𝗼𝘄𝗶𝗻𝗴 🤓

Do you know which tax thresholds and exemptions may apply to you in the 2026/27 tax year?

1️⃣ R99,000 - the 𝗮𝗻𝗻𝘂𝗮𝗹 𝗶𝗻𝗰𝗼𝗺𝗲-𝘁𝗮𝘅 𝘁𝗵𝗿𝗲𝘀𝗵𝗼𝗹𝗱 for an individual under 65.
2️⃣ R23,800 - the 𝗮𝗻𝗻𝘂𝗮𝗹 𝗲𝘅𝗲𝗺𝗽𝘁𝗶𝗼𝗻 for qualifying South African-source interest for an individual under 65.
3️⃣ R50,000 - the 𝗮𝗻𝗻𝘂𝗮𝗹 𝗰𝗮𝗽𝗶𝘁𝗮𝗹-𝗴𝗮𝗶𝗻𝘀-𝘁𝗮𝘅 𝗲𝘅𝗰𝗹𝘂𝘀𝗶𝗼𝗻 for an individual.

These figures generally apply per person, not per couple. Both spouses may therefore have their own thresholds and exclusions, depending on their individual circumstances.

Knowing the numbers is useful. Structuring your finances thoughtfully is where a personal financial plan adds value.

𝗪𝗵𝗶𝗰𝗵 𝗼𝗳 𝘁𝗵𝗲𝘀𝗲 𝘁𝗵𝗿𝗲𝗲 𝗳𝗶𝗴𝘂𝗿𝗲𝘀 𝗱𝗶𝗱 𝘆𝗼𝘂 𝗮𝗹𝗿𝗲𝗮𝗱𝘆 𝗸𝗻𝗼𝘄?

𝐷𝑖𝑠𝑐𝑙𝑜𝑠𝑢𝑟𝑒: 𝑇𝑎𝑥 𝑟𝑢𝑙𝑒𝑠 𝑎𝑛𝑑 𝑖𝑛𝑑𝑖𝑣𝑖𝑑𝑢𝑎𝑙 𝑐𝑖𝑟𝑐𝑢𝑚𝑠𝑡𝑎𝑛𝑐𝑒𝑠 𝑣𝑎𝑟𝑦. 𝑃𝑙𝑒𝑎𝑠𝑒 𝑐𝑜𝑛𝑠𝑢𝑙𝑡 𝑦𝑜𝑢𝑟 𝐹𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙 𝑃𝑙𝑎𝑛𝑛𝑒𝑟 𝑎𝑛𝑑/𝑜𝑟 𝑡𝑎𝑥 𝑝𝑟𝑎𝑐𝑡𝑖𝑡𝑖𝑜𝑛𝑒𝑟; 𝑖𝑛𝑣𝑒𝑠𝑡𝑚𝑒𝑛𝑡 𝑟𝑒𝑡𝑢𝑟𝑛𝑠 𝑎𝑟𝑒 𝑛𝑜𝑡 𝑔𝑢𝑎𝑟𝑎𝑛𝑡𝑒𝑒𝑑.

19/10/2026

𝐀 𝐜𝐡𝐞𝐚𝐩𝐞𝐫 𝐦𝐞𝐝𝐢𝐜𝐚𝐥 𝐚𝐢𝐝 𝐨𝐩𝐭𝐢𝐨𝐧 𝐦𝐚𝐲 𝐡𝐚𝐯𝐞 𝐚 𝐭𝐫𝐚𝐝𝐞-𝐨𝐟𝐟

A network medical aid plan may have a lower monthly contribution - but there is something important to understand before you choose it.

Network options typically require you to use selected doctors, hospitals, pharmacies or other approved providers to receive the full available benefit.

That can work brilliantly when the network suits your needs. It can be frustrating - and costly - when it does not.

Before switching, check the hospitals near you, your regular healthcare providers, specialist referral rules and possible co-payments.

The best medical aid option is not necessarily the one with the lowest contribution. It is the one you understand and can actually use.

𝐷𝑖𝑠𝑐𝑙𝑜𝑠𝑢𝑟𝑒: 𝐵𝑒𝑛𝑒𝑓𝑖𝑡𝑠, 𝑡𝑎𝑟𝑖𝑓𝑓𝑠, 𝑓𝑜𝑟𝑚𝑢𝑙𝑎𝑟𝑖𝑒𝑠, 𝑛𝑒𝑡𝑤𝑜𝑟𝑘𝑠 𝑎𝑛𝑑 𝑤𝑎𝑖𝑡𝑖𝑛𝑔 𝑝𝑒𝑟𝑖𝑜𝑑𝑠 𝑑𝑒𝑝𝑒𝑛𝑑 𝑜𝑛 𝑠𝑐ℎ𝑒𝑚𝑒 𝑟𝑢𝑙𝑒𝑠 𝑎𝑛𝑑 𝑖𝑛𝑑𝑖𝑣𝑖𝑑𝑢𝑎𝑙 𝑚𝑒𝑚𝑏𝑒𝑟𝑠ℎ𝑖𝑝 ℎ𝑖𝑠𝑡𝑜𝑟𝑦. 𝐶ℎ𝑒𝑐𝑘 𝑤𝑖𝑡ℎ 𝑦𝑜𝑢𝑟 𝑠𝑐ℎ𝑒𝑚𝑒 𝑜𝑟 𝑎𝑑𝑣𝑖𝑠𝑒𝑟.

13/10/2026

𝐖𝐡𝐞𝐧 𝐥𝐚𝐬𝐭 𝐝𝐢𝐝 𝐲𝐨𝐮 𝐜𝐨𝐦𝐩𝐚𝐫𝐞 𝐲𝐨𝐮𝐫 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞?

Your insurance renewal is more than an annual premium increase. It is an opportunity to make sure your cover still fits your life.

Perhaps you have moved, bought something valuable, renovated your home or changed how you use your car. Those details can affect both the cover you need and the price you pay.

Before renewing, ask: Am I covered for the right amount? Are my excesses still affordable? Have I checked exclusions and compared suitable alternatives?

The goal is not simply the cheapest premium. It is appropriate cover at a fair price.

Talk to Wealth Craft about a short-term insurance review.

𝐷𝑖𝑠𝑐𝑙𝑜𝑠𝑢𝑟𝑒: 𝐶𝑜𝑣𝑒𝑟, 𝑒𝑥𝑐𝑙𝑢𝑠𝑖𝑜𝑛𝑠, 𝑙𝑖𝑚𝑖𝑡𝑠 𝑎𝑛𝑑 𝑐𝑙𝑎𝑖𝑚𝑠 𝑜𝑢𝑡𝑐𝑜𝑚𝑒𝑠 𝑑𝑒𝑝𝑒𝑛𝑑 𝑜𝑛 𝑡ℎ𝑒 𝑝𝑜𝑙𝑖𝑐𝑦 𝑤𝑜𝑟𝑑𝑖𝑛𝑔 𝑎𝑛𝑑 𝑖𝑛𝑠𝑢𝑟𝑒𝑟. 𝐴𝑠𝑘 𝑦𝑜𝑢𝑟 𝑎𝑑𝑣𝑖𝑠𝑒𝑟 𝑡𝑜 𝑟𝑒𝑣𝑖𝑒𝑤 𝑦𝑜𝑢𝑟 𝑖𝑛𝑑𝑖𝑣𝑖𝑑𝑢𝑎𝑙 𝑐𝑖𝑟𝑐𝑢𝑚𝑠𝑡𝑎𝑛𝑐𝑒𝑠.

11/10/2026

𝐀 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐩𝐥𝐚𝐧 𝐢𝐬 𝐦𝐨𝐫𝐞 𝐭𝐡𝐚𝐧 𝐚𝐧 𝐢𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭

When someone says “𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐩𝐥𝐚𝐧𝐧𝐢𝐧𝐠”, what comes to mind? 𝐒𝐚𝐯𝐢𝐧𝐠𝐬? 𝐑𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭? 𝐀 𝐬𝐩𝐫𝐞𝐚𝐝𝐬𝐡𝐞𝐞𝐭 𝐟𝐮𝐥𝐥 𝐨𝐟 𝐧𝐮𝐦𝐛𝐞𝐫𝐬?

💪🏻 A good financial plan considers much more.

It looks at what you want to achieve, what could interrupt those plans and who relies on you. That may involve cash flow, investments, insurance, medical cover and estate planning - all working together.

Over the coming months, 𝐖𝐞𝐚𝐥𝐭𝐡 𝐂𝐫𝐚𝐟𝐭 will unpack the practical things worth knowing, 𝐨𝐧𝐞 𝐭𝐨𝐩𝐢𝐜 𝐚𝐭 𝐚 𝐭𝐢𝐦𝐞.
No complicated jargon. Just clear ideas to help you ask better questions about your money and your future.

What topic would you like to understand better❓

𝘋𝘪𝘴𝘤𝘭𝘰𝘴𝘶𝘳𝘦: 𝘎𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘰𝘯𝘭𝘺. 𝘚𝘱𝘦𝘢𝘬 𝘵𝘰 𝘢 𝘲𝘶𝘢𝘭𝘪𝘧𝘪𝘦𝘥 𝘢𝘥𝘷𝘪𝘴𝘦𝘳 𝘢𝘣𝘰𝘶𝘵 𝘺𝘰𝘶𝘳 𝘤𝘪𝘳𝘤𝘶𝘮𝘴𝘵𝘢𝘯𝘤𝘦𝘴.

09/10/2026

𝗬𝗼𝘂𝗿 𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝗺𝗼𝗻𝗲𝘆 𝗰𝗵𝗲𝗰𝗸-𝗶𝗻, 𝗶𝗻 𝗳𝗶𝘃𝗲 𝗺𝗶𝗻𝘂𝘁𝗲𝘀

October has begun. Before the month runs away with you, give your money a 𝗳𝗶𝘃𝗲-𝗺𝗶𝗻𝘂𝘁𝗲 𝗰𝗵𝗲𝗰𝗸-𝗶𝗻.
What still needs to be paid this month❓ Have you set something aside, even a small amount❓ And is there one expense you can plan for rather than be surprised by❓

You do not need a perfect budget. You need a clear idea of what is coming in, what is going out and what matters most.

Small check-ins make the bigger decisions feel easier.

What is one financial habit you would like to improve this month?

𝘋𝑖𝘴𝑐𝘭𝑜𝘴𝑢𝘳𝑒: 𝘎𝑒𝘯𝑒𝘳𝑎𝘭 𝘪𝑛𝘧𝑜𝘳𝑚𝘢𝑡𝘪𝑜𝘯 𝘰𝑛𝘭𝑦. 𝘚𝑝𝘦𝑎𝘬 𝘵𝑜 𝑎 𝑞𝘶𝑎𝘭𝑖𝘧𝑖𝘦𝑑 𝑎𝘥𝑣𝘪𝑠𝘦𝑟 𝑎𝘣𝑜𝘶𝑡 𝑦𝘰𝑢𝘳 𝘤𝑖𝘳𝑐𝘶𝑚𝘴𝑡𝘢𝑛𝘤𝑒𝘴.

01/10/2026

𝗡𝗘𝗪 𝗠𝗢𝗡𝗧𝗛. 𝗡𝗘𝗪 𝗠𝗘. 𝗡𝗘𝗪 𝗠𝗢𝗡𝗘𝗬 𝗛𝗔𝗕𝗜𝗧𝗦.

October is a fresh start, and your finances can have one too.

You don’t need to completely reinvent your life. Sometimes progress starts with one small change:

💸 Review your spending
🌱 Add a little more to savings
📈 Start or increase an investment
🧾 Check your debit orders and subscriptions
🛡️ Make sure your cover still suits your life

Small changes made consistently can have a big impact over time.

𝗡𝗲𝘄 𝗺𝗼𝗻𝘁𝗵. 𝗙𝗿𝗲𝘀𝗵 𝗳𝗼𝗰𝘂𝘀. 𝗕𝗲𝘁𝘁𝗲𝗿 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗵𝗮𝗯𝗶𝘁𝘀.

Let’s make October count.
📧 [email protected]
📞 011 675 3671

Address

Bergzicht Office Park, Block 4 Suite 23, Allensnek, Rooibok Road
Roodepoort

Opening Hours

Monday	08:00 - 17:00
Tuesday	08:00 - 17:00
Wednesday	08:00 - 17:00
Thursday	08:00 - 17:00
Friday	08:00 - 14:30

Website

https://hbj.co.za/

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