Conventional wisdom says that living expenses rise uniformly with inflation, so many financial plans are based simply on that. But analysing the spending patterns of retirees shows us that the data tells a different story.
Read moreMoonstone’s training division currently offers two “Further Education and Training Certificates” on Level 4 and four qualifications on level 5 and level 6, respectively. Initially, we focused on helping FSPs obtain the minimum […]
It has become a hackneyed phrase to term an event “ground breaking”. In this instance, I think it applies. We have for a very long time voiced our concern over the fact that […]
This latest “GrayIssue” from Allan Gray is a well written article inviting clients to: “Make financial planning a priority in 2013” Research from the US1 shows that financial planning is a critical factor […]
By KEN SILKE (B.A. LLB. (UCT) AA Arb, Advocate of the High Court of South Africa One of the prime examples of advisor prejudice is where an Independent Advisor advises a client to […]
The latest determination by the FAIS Ombud is a good example of why it is so necessary to make sure that you inform your client of any material changes to an existing product. […]
This past year had its fair share of ups and downs. It is normal practice to review the year gone by, and hopefully learn from it. It also provides an opportunity to ponder […]
A recent settlement between the FSB’s Enforcement committee and a direct insurer reads as follows: The parties agree that the offering of the Travel and Card Cash back benefits that formed part of […]
I received an enquiry from a reader last week who decided to leave the industry after 30 years. He asked for advice on what he needs to do, as another advisor offered to […]
Publication of the FAIS Ombud’s annual report provides a great learning opportunity every year. We believe that learning from someone else’s mistakes is far better than from your own. A subject that made […]
On Thursday we reminded readers of the necessity to notify the FSB of any material changes in their licensing conditions. A Moonstone Protector client in Bloemfontein had recently changed auditors, and was concerned […]
Authorised financial service providers are legally required to advise the FSB in the prescribed manner of any changes to their licensing conditions, within 15 days of such changes. Many FSPs are not aware […]
There will no doubt be some very clever calculations done, based on the statistics contained in this circular. It never ceases to amaze me how some people can spend hours dissecting these figures […]
Further to last week’s article Bark without Bite?, we expand on the closing sentence which read: “ We are not propagating stricter censure for transgressors, but merely asking that a uniform standard be […]
The article below comes from a newsletter distributed by Sentinel Trust, and was written by Gordon Stuart: From time to time I do get asked about a living will and whether it is […]
The latest finding by the FSB’s Enforcement Committee (EC) will no doubt raise an eyebrow or two, given the promise of harsher treatment promised in July this year. A short-term provider transgressed Section […]
Readers in Cape Town and surrounds are cordially invited to attend this seminar, on 17 October, arranged by Walkers Attorneys in Cape Town. Of particular interest to readers may be the fact that […]
