Consult Greenstone

Are you truly ready for retirement — or just hoping you are?

We recently launched our Retirement Readiness Quiz, and here’s why.

Over the years, we’ve noticed that many people:
• Have retirement products in place
• Contribute monthly
• Feel “somewhat” secure

But haven’t actually assessed whether their current plan will sustain their lifestyle one day.

So we created something simple and practical.

A short quiz that helps you:
✔ Evaluate your current readiness
✔ Identify potential shortfalls
✔ Understand your next best step

Our goal isn’t to sell you something, It’s to help you gain clarity.

Because once you understand where you stand, you can make informed, confident decisions.

Take the quiz - https://japie-tulykvve.scoreapp.com
See your results.
Then let’s have the right conversation.

🚨 Let’s talk about something most people avoid…

Emergency funds.

You might be investing.
You might be earning well.
You might even have multiple policies and accounts in place.

But here’s the uncomfortable truth:

Around 70% of South Africans don’t have enough savings to cover three months of expenses.

That means most people are one unexpected event away from financial stress.

An emergency fund isn’t pessimistic.
It’s powerful.

It gives you:
✔ Breathing room
✔ Stability
✔ Control during uncertainty

It should cover 3–6 months of essential expenses, be easily accessible, and be separate from your investment portfolio.

Before chasing returns, make sure your foundation is solid.

🌐 www.greenstonefinancialplanning.co.za
📱 WhatsApp: 068 909 9158

There are still so many misconceptions around life cover — and unfortunately, those myths are costing families dearly.

Life cover isn’t just for older people.
It isn’t “too expensive.”
And employer cover is rarely enough.

Proper financial planning means protecting your income, your assets, and your family’s future.

If you’re unsure whether your current cover is enough, it might be time for a review.

Let’s have that conversation.



https://greenstonefinancialplanning.co.za/

When you’re a parent, your income supports more than just you — it supports a whole family.

If sickness or injury stops you from earning, income protection helps ensure:
🏡 The home stays secure
📚 School fees are paid
🛒 Groceries and medical costs are covered

Income protection replaces a portion of your salary so your family doesn’t have to carry the financial burden of the unexpected.

Because protecting your family isn’t just about love — it’s about planning 💙

Does it ever feel like your money disappears faster than you can earn it?

It’s rarely just “bad luck” or not earning enough.
More often, it’s:
• Little expenses that go unnoticed
• Bills that land at the worst possible time
• Income that just doesn’t stretch the way it should

The good news? A few small changes can make a big difference — if you know where to look.

This quick cash flow quiz helps you see exactly where your money could be working harder for you.

👉 Take the quiz here:
https://japie-xa5zsuaf.scoreapp.com or click the Linktree link in our bio!

Free. Quick. And surprisingly eye-opening.

Financial decisions affect your income, your family, and your future —
yet many people still rely on guesswork or generic advice.

The right financial advisor helps you:
✔ Understand your options
✔ Make informed decisions
✔ Avoid emotional money mistakes
✔ Plan with confidence — not fear

You don’t need more information.
You need the right guidance.

Contact details in our Bio.

Financial jargon can feel confusing — but it shouldn’t.

Here’s what some commonly used terms really mean:
• Annuity: a product designed to provide an income, usually in retirement, it's designed to ensure you don't outlive your money.
• Premium: the amount you pay to keep your insurance or investment active. The right premium isn't the cheapest one but the one that protects you properly without straining your budget.
• Deductible: the amount you contribute first when a claim is made. A higher deductible can mean lower monthly premiums but it should always match what you can realistically afford.

When you understand the language of finance, you gain clarity, control, and peace of mind.

💬 What other financial terms would you like us to break down for you?

The cost of quality education continues to rise year after year. Waiting until your child is ready for university or college can put unnecessary pressure on your finances.

An education savings fund helps you:
✔️ Plan ahead with confidence
✔️ Spread the cost over time
✔️ Reduce the need for future debt
✔️ Give your child options — locally or abroad

The earlier you start, the harder your money works for you. Even small, consistent contributions can make a meaningful difference over time.

💡 Investing in education isn’t just saving money — it’s investing in opportunity, choice, and peace of mind.

📩 Chat to us about setting up or reviewing an education savings plan that suits your goals.

📱 WhatsApp: 068 909 9158
☎️ Phone: 011 021 8966

Before we plan for 2026, we believe there’s a more important step: clarity.

This is why we created our Financial Readiness Quiz.

It’s designed to help you understand:
• Where you’re financially strong
• Where you may be exposed
• What deserves attention before setting new goals

Because confident financial decisions don’t start with resolutions —
they start with knowing where you stand.

Take the quiz 'Before you set new year goals... Test your financial readiness for 2026'
🔗 Link in Bio

Work hard. Play harder. Team stronger. 💪

Our Consult Greenstone crew ended our 2025 year with a team getaway filled with strategy chats, fresh bushveld air, big laughs, and even bigger memories.❤️

Trips like these remind us why culture matters — when a team connects beyond the office, the work thrives too.

Catch the full chaos (and some wholesome moments) in our reels 🎥🔥