Future Planning BlueStar - authorised by Sanlam

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 at Future Planning BlueStar 👇👇

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

Insurance Solutions | Future Planning BlueStar | Sanlam Financial Planners Pretoria 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...

"Moms Know Best" - Teach Your Kids About Money 💰👩‍👧‍👦

Parents have a way of teaching valuable life lessons.

🌟 Mothers empower yourselves to teach your kids about money! 💸

Don't know where to start?

Here's a short article on our website that can help -

https://www.sanlamadvice.co.za/bluestar/futureplanning/blogs/what-parents-should-be-teaching-children-about-money/219657432277 💡

While tax preparation may be an enjoyable task for a select few, THE MAJORITY OF US groan at the thought. It need not be too arduous, though, if we are prepared which would ensure a smooth and stress-free filing experience.

We’ve got you covered with simple steps to streamline the process. View these tips and more on my digital business card (link in bio) or make contact below to have them sent your Inbox.

Judy Kirsten: 📞0832641043

Office: 📧[email protected] / 254C Delphinus Street, Waterkloof Ridge, South Africa, 0181

Here's how tax season can be less taxing...

1.Get organised, early

Take note of the tax season dates on the SARS eFiling website relevant to you, then begin by gathering all the necessary documents.


2.Your Essential Tax Filing Checklist

Create a dedicated folder to keep everything in one place, so it’s easier to find what you need, when you need it. Documents you’ll require typically include:

- IRP5/IT3(a)
- Medical aid tax certificate
- Retirement annuity tax certificate
- Make sure your tax info is up to date

Contact SARS or log on to SARS e-Filing to check your tax status and make sure that your previous tax returns and details are current. If your contact information, residential address and/or banking details are not correct, you may encounter problems accessing your e-Filing profile or receiving any refund payments owed to you. Likewise, if previous tax returns are outstanding, you may be issued with a penalty. You will need to address any outstanding tax returns to ensure a smooth filing process this year.

3.Understand your SARS auto-assessment

This is a pre-populated (filled in) tax assessment issued by SARS to certain taxpayers. SARS uses tax information supplied by employers, financial institutions, medical schemes and other third-party data providers to generate an assessment automatically, without any input from you, the taxpayer. You’ll know if you’ve been auto-assessed by SARS because they will notify you by email and/or by SMS.

What should you do if you’ve been auto-assessed?
It’s very important not to approve your assessment without carefully checking it (or having your tax practitioner check it) first, as SARS may not have received all of your most up-to-date documentation, and you may miss out on claiming certain deductions. An auto-assessment simply allows tax payers to understand what tax information SARS already has.

4.Seek help if you need it

If you find yourself overwhelmed or unsure about any aspect of the tax process, don’t hesitate to seek professional assistance from a registered tax practitioner, who can ensure you’re compliant with all regulations and potentially identify deductions or credits you may have overlooked.

Alternatively, you could use an online service like Tax Tim (taxtim.com), which can take you through the process step by step, helping you to avoid penalties, maximise your refund and file your return in as little as 20 minutes.

5.Be aware of scams

‘Phishing’ refers to the attempt to trick individuals into revealing sensitive information such as login details, passwords, credit card numbers, bank account information or other personal data. This is typically done through deceptive emails, text messages or fake websites that appear legitimate. SARS has a page dedicated to making the public aware of scams. Examples include emails that appear to be from [email protected] or [email protected] , indicating that taxpayers are eligible to receive tax refunds.

Beware of emails that ask for personal, tax, banking and e-Filing details. Learn more here to avoid being scammed.

💼 Building a business is only one part of the journey — protecting it is just as important.

I know this too well, as I build my own financial planning business, I understand the risk, commitment, and long hours it takes to turn an idea into something real.

I know what it means to build something from the ground up — and the responsibility that comes with making the right financial decisions along the way.

That’s exactly why I’m passionate about helping other business owners put the right safeguards in place — from income protection to business continuity planning, having the right financial structures ensures your business — and your personal finances — can withstand unexpected challenges and keep moving forward.

📩 Let’s put a plan in place that protects both your business and your livelihood.

👉 Leave you details below or learn more on my website: https://www.sanlamadvice.co.za/bluestar/futureplanning/business-insurance/buy-and-sell-cover

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

Skep 'n betekenisvolle finansiële plan om elke geslag te beskrem - praat met Judy Kirsten

Future Planning BlueStar
📞 012 346 3409 / 0832641043
📧 [email protected]
254C Delphinus Street, Waterkloof Ridge, South Africa, 0181
https://www.sanlamadvice.co.za/bluestar/futureplanning/adviser/judy-van-freden/219657432277

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/