Francis Gous - CFP: Sanlam Financial Planner

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Francis Gous - CFP: Sanlam Financial Planner My philosophy: Seize the day—tomorrow isn’t promised, let's plan for it today!

As a Certified Financial Planner, I empower my clients with strategic financial solutions, ensuring they navigate life’s financial challenges with confidence and clarity. As a Certified Financial Planner (CFP) with a background in commercial banking, I help clients from all backgrounds achieve financial confidence through strategic, holistic planning. I specialize in risk planning, tax-efficient wealth building, estate and retirement planning, investment strategies, and business assurance solutions. I partner with professionals, business owners, young couples, farmers, and retirees, offering personalized solutions tailored to their unique needs. I believe in long-term, hands-on client relationships built on trust, transparency, and cutting-edge financial strategies. My services are available regardless of location, with virtual consultations and digital financial planning tools ensuring seamless support. Beyond finance, I enjoy mosaics, calligraphy, embroidery, and reading, and have served in community safety leadership for many years. Let’s build your financial future together—contact me today to start your journey toward financial confidence.

Learn how disciplined withdrawals, smart asset allocation and effective risk management can help sustain your retirement...
28/10/2026

Learn how disciplined withdrawals, smart asset allocation and effective risk management can help sustain your retirement income, protect against inflation and support long-term financial security.

Learn how disciplined withdrawals, smart asset allocation and effective risk management can help sustain your retirement income, protect against inflation and support long-term financial security.

Hartverwante siektes tel steeds onder die grootste stil gesondheidsgevare, veral hier in Suid-Afrika waar een persoon el...
22/10/2026

Hartverwante siektes tel steeds onder die grootste stil gesondheidsgevare, veral hier in Suid-Afrika waar een persoon elke 12 minute ‘n beroerte kry en kardiovaskulêre siektes daagliks talle lewens eis.

Die goeie nuus?

Eenvoudige, konsekwente leefstylkeuses kan ‘n groot verskil maak.

Hierdie blog doen vyf noodsaaklike stappe aan die hand – van die verbetering van jou dieet en ‘n aktiewe leefstyl tot die monitoring van jou bloeddruk – wat maklik is om te volg en jou kan help om vandag en in die jare wat kom jou hart te beskerm.

Cardiovascular diseases claim more lives globally than any other disease. In South Africa alone, it is estimated that five people are affected by strokes every hour. Adopting healthier lifestyle habits becomes crucial to lowering your risk and safeguarding your heart. Below are five tips for you to....

Hartverwante siektes is steeds van die grootste stille bedreigings, veral hier in Suid-Afrika waar iemand elke 12 minute...
16/10/2026

Hartverwante siektes is steeds van die grootste stille bedreigings, veral hier in Suid-Afrika waar iemand elke 12 minute ‘n beroerte-aanval kry en kardiovaskulêre siektes daagliks talle lewens eis. Die goeie nuus? Eenvoudige, konsekwente lewenstylkeuses kan ‘n groot verskil maak. Hierdie blog gee vyf noodsaaklike stappe aan wat maklik is om te volg – van die verbetering van jou dieet en om aktief te bly tot die monitering van jou bloeddruk – wat kan help om vandag en in die jare wat kom jou hart te beskerm.

Cardiovascular diseases claim more lives globally than any other disease. In South Africa alone, it is estimated that five people are affected by strokes every hour. Adopting healthier lifestyle habits becomes crucial to lowering your risk and safeguarding your heart. Below are five tips for you to....

12/10/2026

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 Francis Gous CFP® to discuss how you stay in control when it comes to your savings, investments and insurance. https://www.sanlamadvice.co.za/adviser/nassaux/contact-us/

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

Leer die 9 hoofelemente wat elke goeie finansiële plan behoort in te sluit. Wenk nommer 5 is byvoorbeeld "Wees voorberei...
08/10/2026

Leer die 9 hoofelemente wat elke goeie finansiële plan behoort in te sluit. Wenk nommer 5 is byvoorbeeld "Wees voorbereid op aflegging". Vind almal in my blogartikel gedurende .

If you want to help us fix this issue, we'd like your input. Please email us and let us know what went wrong. Be sure to let us know what link you were looking for and what device and web browser you were using when this occurred.

Learn the 9 key elements every sound financial plan should have. E.g. Tip  #5. Be prepared for retrenchment.  #9. Don’t ...
05/10/2026

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...

Doen hierdie stappe om jou te help om waaksaam te bly en jou risiko van borskanker te verminder. Vir meer inligting oor ...
03/10/2026

Doen hierdie stappe om jou te help om waaksaam te bly en jou risiko van borskanker te verminder. Vir meer inligting oor produkte wat beskikbaar is om die finansiële impak van kanker te verlig, kontak vandag nog 'n Sanlam Finansiële Adviseur.

Founded in 2014, Nassaux BlueStar consists of highly qualified financial advisers helping clients with investments, long term and short-term insurance as well as wills, retirement planning & estate planning. Our team consists of Gideon de Wet (BlueStar Principal & Investment Specialist), Dirk Taljaa...

  Prioritise your family's well-being by understanding the importance of being covered and the value it brings: protecti...
29/09/2026

Prioritise your family's well-being by understanding the importance of being covered and the value it brings: protection, stability, and a secure financial future.

Find out how to choose the right cover, bridge gaps in healthcare and disability insurance, and get expert advice from a financial adviser Francis Gous CFP® 👇👇

📞0798183547
📧[email protected]
🏠Rosestad Building, 163A Nelson Mandela Drive, Westdene, Bloemfontein, 9301




Securing your family’s financial future is one of the most significant ways you can take care of them. Sanlam Life Cover eases the burden on your family should you die unexpectedly by paying out a once-off tax-free amount that can be used to cover their expenses now and in years to come – expens...

  A common challenge for many SMEs isn't a lack of ambition. It's a lack of financial visibility.Economic uncertainty, c...
27/09/2026

A common challenge for many SMEs isn't a lack of ambition. It's a lack of financial visibility.

Economic uncertainty, changing market conditions and rising costs make financial discipline more important than ever. One of the simplest ways to strengthen your business is to revisit the fundamentals:

• Build and update a financial roadmap
• Stay on top of bookkeeping and tax planning
• Monitor cash flow consistently
• Manage debt strategically
• Keep personal and business finances separate

As the saying goes, "A failure to plan is a plan to fail."

Taking time to review these areas can help business owners move from simply surviving to planning for sustainable growth.

🔗 Explore the full article in our blog for practical insights on giving your business finances a spring clean.

In money, as in life, a failure to plan is a plan to fail. This spring, get your financial house in order by preparing a financial road map for the year ahead. Pandemics, climate change, crime, political unrest and a sluggish economy have had a devastating impact on many SMEs over the past few years...

Address

163A Nelson Mandela Drive, Westdene
Bloemfontein
9301

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