The only personal finance book you will ever need! It is never too late, or too early, to become more intentional about your finances. Unexpected life events can severely expose the financial vulnerability of individuals and households who are ill-prepared. Not having a comprehensive financial plan in place can cause severe, long-lasting, if not permanent, damage to your personal wealth and dreams of a carefree retirement. This book serves as a quick but comprehensive reference guide that provides the necessary insights into each area of your finances at every stage of your life. It will assist you with self-reflection checkpoints to avoid financial catastrophe due to unexpected economic challenges while maximising your wealth potential. It will help you to construct a sound personal financial plan with or without the assistance of a financial advisor and to identify your money personality, because only by understanding what money means to you will you be better able to manage it. Applying the principles contained in this guide is guaranteed to improve your chances of achieving your financial goals. It will assist you with living a life of purpose and meaning and to leave a lasting legacy as you travel financially secure along your life's journey.
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Johan has close to 30 years' experience in the financial services industry. As the Head of Advice at Sasfin Wealth he is responsible for all advice related activities, which includes asset consulting and healthcare consulting as well as advice related to personal wealth. During his career Johan started up Investment Advisory Services at Momentum after which he joined Absa as a founding member of Absa Investment Management Services. As an Executive Director he was responsible for developing an investment advice model for Absa Brokers and independent financial advisors. Johan established Absa Multi Management during 2001, which received two Raging Bull Awards. In 2012 he was appointed as Head of Absa Asset Consulting which provided investment advice to retirement funds on assets of more than R70 billion. Johan joined Sasfin Wealth in September 2017 as Head of Advice. He regularly features in the press as well as on television and radio where he comments on economic, investment and retirement industry developments. Johan has a B.Com (Hons) Investment Management (RAU degree, a MBA (Wits Business School) degree and a Post Graduate Diploma in Financial Planning (University of the Free State). He also attended Harvard Business School, Insead and Duke University for executive development purposes.