Future Planning BlueStar - authorised by Sanlam

Unexpected expenses are a part of life - but financial stress doesn't have to be. This article highlights the importance of building an emergency fund, even if you start with small contributions. Discover how to build your safety net step by step and speak to your financial adviser about creating a plan tailored to your needs.

Starting an Emergency Fund With a Small Amount Is Vital | Future Planning BlueStar | Sanlam Financial Planners Pretoria The current economic climate and recent events in history has continuously shown us the importance of planning for anything that life can throw at you. It is therefore important to start saving even a small amount, as long as you start saving a portion of your money.

Investing in the markets has become daunting, with the continued political and economic uncertainties, volatile markets and unstable currencies.

With the Glacier East Asia Capital Enhancer, you can invest with more certainty, without giving up the opportunity to earn high returns.

Key features:
• Five-year investment linked to a global portfolio of stocks without currency risk.
• Full capital protection.
• Opportunity to add a return diversifier to your portfolio.
• Tax-efficient structure with no tax administration burden.

Download brochure below to learn more and reach out to an investment specialist at Future Planning BlueStar
https://bit.ly/4fcdCDU

📩 Let’s assess if this fits your financial plan...

Setup a call below to discuss this opportunity -
https://www.sanlamadvice.co.za/bluestar/futureplanning/contact-us/

📞012 346 3409
📧[email protected]
254C Delphinus Street, Waterkloof Ridge, South Africa, 0181


This offer will expire on 24 July 2026.

When it comes to personal finances, nothing baffles like submitting a tax return. We have gathered the information you’ll need to submit with as little stress and confusion as possible.

Our Essential Guide to Tax Season | Future Planning BlueStar | Sanlam Financial Planners Pretoria This 2-minute read answers essential questions about the South African Personal Income Tax Filing Season, stress and confusion not included!

You’ve worked your whole life to build your nest egg… but here’s the scary truth: Many retirees unknowingly destroy their wealth faster than they think.

👉 It’s NOT about how much you retire with — it’s about how you manage it after retirement.

⚠️ Common mistakes retirees make:
• Withdrawing too much, too soon
• Not adjusting for inflation 📈
• Poor investment choices (too risky OR too conservative)
• Lack of proper financial planning
• Not understanding longevity risk (living longer than your money!)

The reality? Even a R5 million retirement fund can run dry if not managed correctly.

✅ The smarter approach:
✔️ Have a clear income strategy
✔️ Stick to disciplined withdrawals
✔️ Stay invested for growth
✔️ Review your plan regularly with a professional

As highlighted in this article, retirement success is less about luck… and more about smart, consistent decisions over time.

📩 Let’s make sure your retirement lasts as long as you do.

Get personalised retirement advice tailored to your goals and lifestyle.

💬 Send a message or book a consultation today!
https://www.sanlamadvice.co.za/bluestar/futureplanning/contact-us/

Having an emergency savings fund is essential.

Ideally, aim for at least 3 months’ worth of expenses saved.

This creates a safety net for events like job loss or medical emergencies.

Starting small is okay – consistency is what builds resilience.

💬 Let’s help you create financial security for life’s uncertainties.

Learn more here 👇 https://www.sanlamadvice.co.za/bluestar/futureplanning/blogs/starting-an-emergency-fund-with-a-small-amount-is-vital/219657432277

Future Planning BlueStar
📞 012 346 3409 / 0832641043
📧 [email protected]
254C Delphinus Street, Waterkloof Ridge, South Africa, 0181

Want growth… but don’t want to lose your capital?

With this solution from Glacier:
✔ You get full capital protection

✔ You get diversified exposure to Asia’s leading economies

✔ You get the potential for enhanced returns

✔ You get a tax-efficient structure with no tax administration burden

🔐 It’s built for certainty in uncertain times

📩 Let’s see if this fits your financial plan...

Contact Future Planning BlueStar
📞012 346 3409
📧[email protected]
254C Delphinus Street, Waterkloof Ridge, South Africa, 0181


This offer will expire on 24 July 2026.

Glacier East Asia Capital Enhancer | Glacier by Sanlam The Glacier East Asia Capital Enhancer is a five-year investment option in a sinking fund policy. It is linked to the performance of a global composite portfolio of companies in East Asia, offering one of the most compelling investment opportunities of the decade.

💰 Start saving & investing early. Every small step counts.

This Savings Awareness Month, take a moment to reflect on your money habits.

Are you saving consistently towards your future — or waiting for “the right time” to start?

The truth is, there’s no perfect moment. What matters most is getting started, even if it’s just a small amount each month.

Over time, those small, consistent contributions can grow into something meaningful — whether it’s financial security for your family, your child’s education, or the lifestyle you want in retirement.

📊 The earlier you start, the more time your money has to work for you.

💬 If your goals, income, or circumstances have changed this year, it might be the perfect time for a quick financial check-in.

👉 Learn how to build smarter savings habits - start your savings journey on my digital business card below 📩 OR send a message to chat about your plan.

📞 Phone: 012 346 3409 / 0832641043
📧 Email: [email protected] / [email protected]
🏢 Office: 254C Delphinus Street, Waterkloof Ridge, South Africa, 0181

Judy Kirsten - Sanlam Financial Planner | Future Planning BlueStar | Pretoria With over 28 years of expierence as a financial advisor, I've built my practice on the principles of dedication, honesty, and a deep passion for helping people achieve their financial goals. As an award-winning advisor and investment specialist, I take pride in providing personalized, strategic guid...

Paying tax is a bugbear, especially when it comes to the money we save. This short article discusses the opportunities available to you, to build a tax-efficient investment portfolio with the help of Judy Kirsten, a qualified financial adviser.

https://www.sanlamadvice.co.za/bluestar/futureplanning/blogs/tax-efficient-investment-opportunities/219657432277






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Future Planning BlueStar
📞012 346 3409
📧[email protected]
🏠254C Delphinus Street, Waterkloof Ridge, South Africa, 0181

The 2026 Glacier Storms River Traverse is coming up - don’t miss your chance to enter!

👉Tag a friend, colleague or your financial adviser to take up the challenge!

The Glacier Storms River Traverse has become a must-do experience on the calendars of mountain bikers – whether seasoned racers chasing times or novice riders just beginning to fall in love with the sport.

The Traverse is a highly anticipated annual engagement sponsored and hosted by Glacier where we connect with our business partners, colleagues, intermediaries, clients, families and friends in a setting that lends itself to making life-long connections that go beyond work.

It’s a space to relax, cycle and celebrate together, arguably, in the most idyllic natural surroundings in South Africa.

Learn more here - https://www.sanlamadvice.co.za/bluestar/futureplanning/campaigns/glacier-storms-river-traverse https://www.sanlamadvice.co.za/bluestar/futureplanning/campaigns/glacier-storms-river-traverse

Glacier Storms River Traverse | Future Planning BlueStar | Sanlam Financial Planners Pretoria Family, friendships, fun, non-stop spoils and shared passion for a sport that gets its participants out onto beautiful landscapes. That’s what the Glacier Storms River Traverse weekend has grown to be over many years. Hosted in the picturesque Tsitsikamma region, the upcoming Traverse, from 31 Jul...

💬 If your goals, income, or circumstances have changed this year, it might be the perfect time for a quick financial check-in with Judy Kirsten

👉 Learn how to build smarter savings habits this July: https://www.sanlamadvice.co.za/bluestar/futureplanning/blogs/219657432277

📩 Or send us a message to chat about your plan.

📞 Phone: 012 346 3409 / 0832641043
📧 Email: [email protected] / [email protected]
🏢 Office: 254C Delphinus Street, Waterkloof Ridge, South Africa, 0181