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Herbst & Associates BlueStar - authorised by Sanlam We're seasoned financial problem-solvers, dedicated to unravelling puzzles and guiding you toward your goals.

From financial planning to retirement strategies, we tailor solutions to fit your needs. Our team crafts personalized plans for a smooth journey.

Retirement planning starts with a simple question: are you putting enough aside for the future you want?According to Fin...
26/10/2026

Retirement planning starts with a simple question: are you putting enough aside for the future you want?

According to FinMark Trust, 86% of economically active South African adults have no retirement provision. It’s a reminder that saving a little when you can is a start, but understanding your retirement needs and planning for the long term are just as important.

Your future lifestyle depends on the financial decisions you make today. The earlier you start planning, the more time you have to work towards your goals. 📈

Source: FinMark Trust — FinScope Consumer South Africa 2025.

A breast cancer diagnosis is something no one plans for, but being financially prepared can make a difference.The right ...
23/10/2026

A breast cancer diagnosis is something no one plans for, but being financially prepared can make a difference.

The right financial protection can help ease the burden of unexpected expenses and provide greater peace of mind during an already difficult time.

The best time to review your cover is before you need it 💕

Because while you can’t predict the unexpected, you can prepare for it.

When it comes to investing, the return is only part of the picture.Inflation affects your purchasing power, fees reduce ...
21/10/2026

When it comes to investing, the return is only part of the picture.

Inflation affects your purchasing power, fees reduce your returns, risk influences your investment journey, and time can make a significant difference to long-term growth. Tax can also affect what you ultimately keep.

Looking beyond the advertised return helps you understand what an investment could mean for your financial future.

Good investment decisions aren't just about what you earn. They're about understanding the bigger picture and ensuring your investments align with your goals 📈

Scams and phishing can do more than compromise your personal information. They can cost you your savings, disrupt your f...
19/10/2026

Scams and phishing can do more than compromise your personal information. They can cost you your savings, disrupt your financial plans and set back goals you've spent years working towards.

A fraudulent message, a convincing phone call or one click on the wrong link can have serious financial consequences.

🔎 Before clicking a link, sharing information or making a payment, take a moment to verify that the request is legitimate.

Your financial future is worth protecting. Stay alert, question the unexpected and think before you act.

Before you add it to your basket, give it a little thought...A 24-hour pause before a non-essential purchase can help yo...
16/10/2026

Before you add it to your basket, give it a little thought...

A 24-hour pause before a non-essential purchase can help you decide whether it’s something you truly want or simply an impulse.

With the weekend here, enjoy the things you love, but be mindful of where your money goes. Sometimes, the best financial decision is knowing when to wait 🛍️

Retirement planning is about more than putting money aside. It’s about understanding your financial position, setting re...
15/10/2026

Retirement planning is about more than putting money aside. It’s about understanding your financial position, setting realistic goals and making informed decisions that support the future you want.

A well-thought-out financial plan helps you prepare for life’s changes and work towards greater financial freedom 📈

Your Financial Planning Month Challenge!When was the last time you gave your finances your full attention?Here's your ch...
14/10/2026

Your Financial Planning Month Challenge!

When was the last time you gave your finances your full attention?

Here's your challenge: Set aside 30 minutes this week to do a personal financial check-in.

Look at where your money is going, identify one area you'd like to improve, and choose one practical step you can take towards your financial goals.

You don't need to change everything overnight. Sometimes, the most meaningful progress starts with a small step.

Your challenge: What is ONE thing you'll do this week to improve your finances?

Share your answer in the comments 👇

We all have areas of our finances that deserve a little more attention.Whether it’s managing debt, building savings or p...
13/10/2026

We all have areas of our finances that deserve a little more attention.

Whether it’s managing debt, building savings or preparing for retirement, recognising your financial blind spots is the first step towards making more informed decisions.

This Financial Planning Month, take a moment to reflect on your financial habits and where you could improve.

Which of these is your biggest financial blind spot? 👀

Financial planning is about more than where your money is today. It’s about where you want to go and how you plan to get...
12/10/2026

Financial planning is about more than where your money is today. It’s about where you want to go and how you plan to get there 📊

Throughout October, we’ll be sharing financial planning tips and insights with one goal in mind: making financial planning understandable for everyone.

Because everyone deserves to understand their finances, make informed decisions and feel confident about their financial future.

Your future deserves a plan...

Receiving a breast cancer diagnosis can bring a lot of uncertainty, and finances may be one of the last things on your m...
09/10/2026

Receiving a breast cancer diagnosis can bring a lot of uncertainty, and finances may be one of the last things on your mind.

You don't have to make every decision at once. When you're ready, a few practical steps can help you understand your financial position and the options available to you.

1. Review your medical aid benefits and potential out-of-pocket costs.

2. Find out whether your existing insurance includes benefits that may apply to your circumstances.

3. Reassess your budget and any changes to your household income or expenses.

4. Ask your employer about available leave and employee benefits.

5. Speak to your financial adviser before making major financial decisions.

Every person's circumstances and cover are different, so take the time to understand what applies to you before making changes.

You don't have to navigate every financial decision alone 💙

Address

206 Bancor Avenue, Mercedes-Benz Place, 4th Floor, Menlyn Maine, Waterkloof Glen
Pretoria
0010

Opening Hours

Monday 08:00 - 16:00
Tuesday 08:00 - 16:00
Wednesday 08:00 - 16:00
Thursday 08:00 - 16:00
Friday 08:00 - 16:00

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