Each service is built around real South African financial realities — from tax-free savings to budgeting on a variable income.
Hands-on sessions that teach the 50/30/20 rule, how to track spending with local banking apps, and ways to manage irregular income. You leave with a working budget, not just theory.
Clear explanations of annual and lifetime TFSA limits, the types of investments you can hold, and how to compare them with retirement annuities. No jargon, just the numbers that matter.
Step-by-step guidance on fractional shares, ETFs, and micro-investing apps that let you start with as little as R100. We cover risk tolerance, diversification, and platform choices without the sales pitch.
Practical strategies for prioritising high-interest debt, negotiating with creditors, and building an emergency fund alongside repayments. Each plan is tailored to your income and expenses.
A straightforward review of your current retirement savings, projected needs, and the gap you need to close. We explain the difference between a pension fund, provident fund, and RA in plain language.
A long-term plan that connects short-term habits to lasting financial security. We cover asset allocation, property vs. equities, and how to adjust your strategy as your life changes.
We are a team of financial educators who believe that understanding money should not be a privilege. Our workshops and tools are built for real people with real budgets.
Founded in Cape Town, BuildMyOwnFinancialPlan brings together certified financial planners and community educators. We do not sell products — we teach skills. Every workshop is designed around the realities of South African salaries, tax rules, and savings options.
Young professionals starting their first job, freelancers managing irregular income, and families planning for school fees or retirement. If you have ever felt that financial advice is only for the wealthy, you are exactly who we are here for.
Plain language, no jargon. We explain the 50/30/20 rule, Tax-Free Savings Accounts, and ETF investing without assuming prior knowledge. Our tone is warm, direct, and practical — like a colleague who actually understands your payslip.
We focus on long-term wealth building through education, not quick fixes. Every workshop and tool is tested with real users before it reaches you.
Each member brings years of practical experience in South African personal finance, from tax-efficient investing to debt management.
Head of Financial Education
Over 12 years designing workshops for South African professionals. Previously led financial literacy programmes at a major bank, reaching more than 8,000 participants across Gauteng and Western Cape.
Senior Wealth Advisor
Chartered Financial Analyst with a decade of experience in retirement planning and tax-free investments. Regularly quoted in local personal finance publications on ETF strategies and compound growth.
Lead Product Designer
Specialises in building intuitive budgeting and planning tools. Previously designed expense trackers used by over 50,000 South Africans. Focuses on making complex financial concepts simple and actionable.