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While we often focus on long-term financial planning, February is a special month for South Africans: it’s short, it’s busy, and it’s your last chance to make meaningful decisions before the tax year closes. Think of it as the “final whistle” — the perfect moment to take control of your finances, your wellbeing, and your peace of mind.

Why Timing Matters February is your window to act deliberately rather than rush at the last minute. This is the time to:

• Top up retirement annuities — this can boost tax efficiency and your money’s future growth.

• Review investment structures — make sure your portfolio balances growth and protection.

• Check your cover and beneficiaries — make sure your family and loved ones are financially secure.

Even small adjustments now can pay off for years to come — it’s the difference between reacting under pressure and planning with confidence.

Things to remember:

• Interest rates are still influencing borrowing, saving, and investing.

• Inflation continues to affect day-to-day budgeting.

• The rand is doing its best impression of a rollercoaster.

Here’s the good news:

• Taking action now reduces stress and increases confidence.

• Planning proactively frees mental space to focus on health, relationships, and personal goals.

Your takeaway? February is packed with opportunities to make smart moves — if you act now; and… it is the perfect time for a “financial health check” alongside self-care routines like mindfulness, exercise, and setting realistic personal goals. Think of it as aligning your money and your life, so both are working for you, not against you.

A proactive February review will ensure fewer surprises, less stress, more confidence.

Let us help you step into the new tax year with clarity, control, and peace of mind. Contact your Advisor for more help on getting these done this before the tax year ends.