Know Your Money with Bronwyn Waner and Craig Finch

Send us Fan Mail Death and money make uncomfortable bedfellows, yet understanding what happens to your retirement funds after you're gone is crucial for protecting those you love. Section 37C of the Pension Funds Act fundamentally changes how your retirement benefits are distributed—and many South Africans discover this only when it's too late. Have you nominated your spouse, children, o...

Send us Fan Mail Navigating the world of financial planning requires more than just finding someone to manage your money—it demands asking the right questions and understanding the fundamentals that protect your financial future. In this enlightening episode of Know Your Money, hosts Bronwyn Waner and Craig Finch from Growth Financial Planning break down four essential concepts that form the corne...

Send us Fan Mail Joni Peddie shares her journey of rebuilding life after her husband's unexpected death while representing South Africa at a canoeing event in Hungary. She describes how having proper financial planning in place through an education fund allowed her to maintain stability for her two young daughters during an otherwise chaotic time. • Joni had zero financial literacy when her h...

Send us Fan Mail What does it really take to fund a child's education without drowning in debt later? We crunch the actual numbers and reveal practical strategies that every parent and grandparent should know. Starting with our listener's question about university funding, we break down the monthly commitment needed from birth: R2,300 monthly invested over 18 years will cover four years...

Send us Fan Mail What happens when your final wishes aren't legally binding? Attorney Charl Du Plessis pulls back the curtain on the high-stakes world of will execution in this eye-opening conversation about estate planning essentials. Most people don't realize that seemingly minor technical errors can completely invalidate a will. Charl walks us through shocking real-world examples wher...

Send us Fan Mail Capital Legacy's Kirsten Starkey breaks down the often-overlooked costs associated with estate administration and explains how their Legacy Protection Plan can safeguard against these expenses. Most South Africans underestimate just how expensive it is to die. • Executor fees (3.5% plus VAT) can amount to over 4% of your total estate value • Conveyancing fees apply when trans...

Send us Fan Mail Retirement planning goes far beyond building a substantial nest egg. As our guest Amika Gordon from Coronation Fund Managers explains, successfully navigating your post-retirement years requires understanding three critical risks that could derail even the most robust financial plans. The first risk—inflation—is aptly named "the silent killer" for good reason. At a 6% in...

Send us Fan Mail Venture into the world of professional investing with Amika Gordhan, investment specialist at Coronation Fund Managers, as she pulls back the curtain on what makes this 30-year-old South African investment powerhouse tick.  Amika reveals Coronation's distinctive philosophy centered on two core principles: an uncompromisingly long-term perspective and disciplined valuation-dri...

Send us Fan Mail Your relationship with money might be more complex than you realize. Ever thought about what happens when you speak kindly to your finances instead of with fear or frustration? Bronwyn Waner and Craig Finch explore this fascinating concept through the lens of Dr. Emoto's famous water crystal experiment, where water exposed to positive words formed beautiful crystal patterns w...

Send us Fan Mail Worried about the South African Rand and wondering how to protect your wealth? This essential conversation tackles one of the most persistent questions in South African personal finance: how to effectively invest offshore when you have concerns about local currency stability. We journey through the fascinating history of the Rand - from its days of strength in the 1960s when it tr...

Send us Fan Mail Ever wonder why you sometimes make financial decisions you later regret? The answer might lie not in your knowledge of investments, but in your state of mind when making those choices. Roland, a seasoned coach who's worked with financial planners for over 15 years through Aspiral Coaching and Leadership, joins us to share a powerful tool that's transforming the financial...

Send us Fan Mail What makes a truly great financial planner? While technical expertise is essential, our conversation with Roland from Aspiral Coaching and Leadership reveals that emotional intelligence might be the secret ingredient that separates good financial advice from transformative financial guidance. Roland shares his experience helping financial planners develop coaching skills that enab...

Send us Fan Mail What happens when life changes in an instant? Kalvin van Baalen knows this reality all too well. After flying into power lines during a paragliding excursion, Kalvin fell into the resulting fire, suffering burns over 70% of his body. That catastrophic moment transformed him from an active, healthy 21-year-old to someone who would spend over 400 days fighting for his life in ICU. K...

Send us Fan Mail Kalvin van Baalen shares his remarkable survival story after a devastating paragliding accident where he hit power lines, caught fire, and subsequently spent 413 days in ICU with 42 operations. His journey from being completely burned and given little chance of survival to becoming a competitive disabled golfer demonstrates extraordinary resilience and the power of an optimistic m...

Send us Fan Mail Navigating the complex world of South African trusts has become increasingly challenging with recent tax legislation changes. Marteen Michau, founder of Fidelis Vox, brings clarity to these murky waters with expertise that could save families from costly mistakes. The conversation reveals how South African trust structures are facing new hurdles, particularly for families with int...

Send us Fan Mail Demystifying trusts as practical financial planning tools is the focus of our enlightening conversation with Marteen from Fidelis Vox, whose very name means "Trusted Voice." Moving beyond outdated perceptions of trusts as tax avoidance vehicles, we uncover their strategic applications for both business owners and families. Marteen walks us through fundamental trust conce...

Send us Fan Mail Death comes for us all, but the administrative nightmare that follows doesn't have to haunt your loved ones for years. In this eye-opening episode of Know Your Money, we sit down with Jakes, a candidate attorney who shares his ongoing six-year battle to settle his father's estate—a cautionary tale that might just save your family from similar anguish. Jake walks us throu...

Send us Fan Mail What happens when life's busy pace means you never get around to making that will? Attorney Jakes Myberg from Waks Attorneys explains the often complicated reality of dying "intestate" - without a valid will - and why it matters more than you might think. When someone dies without a will in South Africa, three key pieces of legislation take control: the Interstate S...

Send us Fan Mail What happens to your money when you die? Most people don't realize that upon death, bank accounts are frozen, property transfers take time, and assets remain locked for on average a minimum of six months while the complex estate administration process unfolds. This eye-opening conversation with Jakes Myburgh from Waks Attorneys reveals the critical importance of having a prop...

Send us Fan Mail Join us for a compelling conversation with Ian Jones from Fundhouse as we explore the foundations of ethical investing and the importance of transparency in financial services. Ian shares the ethos that drives Fundhouse, actively working to place the end client's needs at the forefront of all investment decisions. Throughout the episode, we delve into how Fundhouse has naviga...

Send us Fan Mail Unlock the secrets of Discretionary Fund Management with our special guest, Ian Jones, CEO of Fundhouse. Join us as we uncover the pivotal role DFMs play in shaping personalized investment portfolios in collaboration with independent financial advisors. Discover how DFMs leverage their industry expertise to negotiate lower fees, providing cost-effective solutions and safeguarding...

Send us Fan Mail Ian Jones from Fundhouse joins us for a compelling conversation that challenges the gloomy perspectives often associated with South Africa's economy. Discover an optimistic outlook as Ian shares his insights on how advancements in mitigating load shedding and strategic partnerships by Transnet could pave the way for promising economic opportunities. With an eye on the future,...

Send us Fan Mail The episode delves into the concept of the Ideal Week, emphasizing how intentional planning can help listeners achieve a balanced life. We share practical insights on setting yearly goals, managing time effectively, and improving financial awareness to create a fulfilling and purposeful life. • Exploring the Ideal Week concept for better life balance  • Importance of setting yearl...

Send us Fan Mail Ever wondered how shifting your mindset could transform your financial reality? Join us for a compelling conversation with personal coach Mike Williams, where we unravel the psychological intricacies of the mindset-money connection. You'll learn how the wealthy harness a mindset of abundance, in stark contrast to those who are often preoccupied with scarcity. With insights fr...

Send us Fan Mail Unlock the secrets to mastering both your financial and personal well-being with insights from Craig Finch and Bronwyn Waner. Craig shares his tried-and-true approach to maintaining health through daily goals in stretching, weight training, and hydration, acknowledging the challenge of staying consistent. Meanwhile, Bronwyn introduces the game-changing concept of a "conscious...