Author: Kim Potgieter

‘I got my CFP, with the aim of changing the industry’

Written by Kim Potgieter on August 14, 2023. Posted in In The Media. No Comments on ‘I got my CFP, with the aim of changing the industry’

Chartered Wealth director and head of life planning Kim Potgieter sees herself as an anomaly, having joined the financial planning industry in her late thirties. But from the start she was determined to do things differently. After a major life transition, she returned to university to get her honours degree in psychology, but soon realised it would not lead to a new career. She’d always had an interest in personal finance, and helping people manage their money felt more like her calling. She was determined to become a financial planner. ‘I had had several financial planners,...

Reinventing work and money in midlife

Written by Kim Potgieter on August 14, 2023. Posted in In Hindsight. No Comments on Reinventing work and money in midlife

“A fulfilled life includes more than money.Purpose, relationships, faith, and hope matter.”– Lynda Meet Lynda Lynda experienced many unexpected curveballs during her first chapter. Divorced at 40, Lynda dedicated the next ten years to her children, working in various roles and industries. By 50, with her children married and settled overseas, she lost her National sales and marketing manager job after the company she worked for was sold. Lynda then realised that early retirement was not financially viable. “My whole life and dreams felt like they needed reshaping,” Lynda recalls....

Empowering the next generation of financially independent women
Five Money Conversations to have with Young Women

Written by Kim Potgieter on August 7, 2023. Posted in Your Money Relationship. No Comments on Empowering the next generation of financially independent women
Five Money Conversations to have with Young Women

This women’s month, let’s rewrite the narrative that money is not a ‘women’s thing’ and start nurturing financially literate and confident young women. Lead by example and create a future where every young woman has the knowledge, skills and belief in her financial independence. In my home, we have always taught our children the value of saving and investing from a young age, and this year, I am sharing the wisdom with our housekeeper’s daughter, Abi, who is one year old. Introducing a piggy bank as a money tool at a young age becomes a wonderful and meaningful lesson in financial...

Moving cities in midlife

Written by Kim Potgieter on June 23, 2023. Posted in In Hindsight. No Comments on Moving cities in midlife

For Sue and her husband, finding meaning and significance trumped making more money. They wanted to change their lifestyle now – in midlife – and not put their lives on hold until their retirement. Introducing Sue and John Sue and John emerged from the Covid lockdown period with a totally different mindset. They wanted to live a more wholehearted life, find renewed joy, exit the rat race and follow their dreams of moving to a small Karoo town. They were ready for change and a fresh start. Careful planning showed that if both resigned from their jobs, it would seriously damage...

Reinventing from corporate to self-employed in your 50s

Written by Kim Potgieter on May 28, 2023. Posted in In Hindsight. No Comments on Reinventing from corporate to self-employed in your 50s

Reinventing yourself in midlife is a courageous act, – as Nikki says: “I can’t describe how terrifying it is that first month when your salary is no longer deposited into your banking account. But it means allowing yourself to dream and imagine your best possible future – and then exploring how to create that.” Introducing Geoff and Nikki When Geoff felt unsure of the direction of his career as a freelancer, he used an executive coach to help him explore possibilities. He found the experience so rewarding that he trained as a life coach. Three years later, Nikki...

Kim’s advice to Nikki and Geoff

Written by Kim Potgieter on May 28, 2023. Posted in Hindsight Article. No Comments on Kim’s advice to Nikki and Geoff

Changing the course of your life in midlife There are times in our lives that shake us enough to ask the question, ‘What is it that gives me meaning, and how does that influence the story of my life?’ Nikki and Geoff made over their lives and their money in midlife and are true examples of living their lives on their own terms, in their own time, in Retiremeant™. Nikki does admit that “perhaps we should indulge ourselves a little more,” and says they may consider flying business class one of these days. Nikki and Geoff are still working and earning and have a solid financial plan...

Kim’s advice to Olivia and Liam

Written by Kim Potgieter on April 22, 2023. Posted in Hindsight Article. 1 Comment on Kim’s advice to Olivia and Liam

Give yourselves a break! You have done so well, and understandably your focus has been on ensuring your children had the best experience and quality education growing up. Clearly, your highest value is your family. You are both young and in a wonderful position to earn a good income. Now is not the time to worry about having not saved enough for retirement. The next 10-15 years of your lives (between the ages of 50 – 65) is the perfect time to save, invest and enjoy the compound interest of your efforts. So, reframe how you see yourselves: yes, you are in midlife, but it’s the young...

Empty-nest at 50 – where to from here

Written by Kim Potgieter on April 22, 2023. Posted in In Hindsight. No Comments on Empty-nest at 50 – where to from here

This month I’m excited to share Olivia and Liam’s story with you. They are both midlifers, still working and earning, and recently experienced an empty nest for the first time. The new reality is scary with both their children out of the house. Their whole lives have been centred around their kids up to now. “I sometimes walk through the door and am overwhelmed by the silence and neatness,” says Olivia. It’s easy to relate to Olivia and Liam’s story, especially if you have children. The reality is our children will leave home and in some cases, even countries. They are now faced with...

Kim’s advice to David

Written by Kim Potgieter on March 30, 2023. Posted in Hindsight Article. 1 Comment on Kim’s advice to David

Like many entrepreneurs and business owners I’ve helped over the years, David has learnt a valuable lesson. You simply cannot put all your money into one basket. So often, people invest all their money back into the business and truly believe it to be the best investment vehicle for their future – but if something goes wrong, you could lose everything. I have four tips for David: Firstly, David has to visualise what he wants his life to look like if it turns out well.Once you’re clear on what you want to achieve, it becomes easier to put action steps in place to realise your...

Restarting after bankruptcy

Written by Kim Potgieter on March 30, 2023. Posted in In Hindsight. No Comments on Restarting after bankruptcy

This month, I’ll introduce you to David, who bravely shared his story as a business owner with me. South Africa is filled with entrepreneurial opportunities, and many of our clients are entrepreneurs. Many others have become entrepreneurs in the past couple of years – either because they have retired and now earning an income from hobbies or other interests, job losses in the current economic downturn, or just being blessed with an adventurous and innovative spirit. David shares his regrets and prudent advice that entrepreneurs and people of all ages and in every stage of learning...

Author: Kim Potgieter

When it comes to your money, Be inspired, Be brave, Be on purpose.

When it comes to your money,
Be inspired,
Be brave,
Be on purpose.