Dear valued Client,

We are back and ready to tackle the new year with renewed optimism. We trust you had blessed festive season and are looking forward to guiding you toward financial prosperity and protection in 2021.
Unfortunately, during December, the Covid19 infections increased dramatically and we are now in the middle of the second wave that the government warned about and what most European countries are experiencing.

We strongly urge you to continue following the necessary safety protocols: Avoid crowded areas as far as possible, wear a mask in public and wash your hands regularly.


We continue to do face-to-face review meetings with clients who feel comfortable meeting in person and who do not fall in the high-risk category, whilst following the necessary safety protocols of course. Your health & safety remain our highest priority.

Feel free to contact us if you would like to schedule a meeting.
Product Providers are also still working from home and as such the response time might be delayed. Please be assured that we will make every effort to respond to all queries as soon as possible.

Please also continue to follow our facebook page for regular updates:


The Johannesburg stock exchange started the new year on a very positive note, reaching an all-time high within the first week of January. Since the massive losses World markets experienced in March 2020 when the seriousness of the Covid19 virus became clear, the JSE All share index recovered by 57% and grew by 10.9% over the 1-year term. It is for this exact reason why we continually reminded investors to remain calm and stick to their long-term investment plan. Those who cashed out when the markets crashed in March 2020, missed out on this remarkable recovery.


January is normally a good time to go through your policy and check that you are sufficiently insured. We recommend taking a walk through your house and compiling an inventory of your contents and getting replacement values online or from retail brochures. This should give you a good idea of what your house content cover should be.
Please keep in mind that due to the December break, some vehicle repairers & panel beaters might have a bit of a backlog with their workload. Please be patient should you need to take your vehicle in for repairs.


An unfortunate consequence of COVID19 and the lockdown is that many businesses were forced to close their doors resulting in many retrenchments and forced retirements.
Our deepest sympathies with those who lost their source of income or who had to take a pay cut.
If you find yourself in such a position, we encourage you to reach out to us for a consultation. There are many tax and other implications when it comes to retrenchment and retirement and making an uninformed decision could cost you hundreds of thousands of Rands.
It is very important that you evaluate all your options, so if you or anyone that you know find themselves in this unfortunate situation please contact us.



Kind Regards
TvZ Financial Planning Team