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Below you will find an archive of monthly Newsletter(s) and the weekly update(s). Browse through the issues below, or follow the link located at the bottom of this page to subscribe.


May 2020 Newsletter (May 2020)
Rolling back lockdown - we eagerly await Level 3   Isn’t it good news that JUST before exhausting all the banana bread and home-brewed pineapple beer recipes on Social Media and JUST before you run completely out of excuses to tackle those dreaded DIY home maintenance projects, the Good President decided to send (most of) us back to work, as of the 1st of June, 2020?   Well…   This is bittersweet. After all, no-one will be left unaffected by this crisis. Some of us have or w

APRIL 2020 Newsletter (Apr 2020)
Coming out Lockdown is scheduled to end on the 30th of April at 23h59 – but you won’t be able to throw a party to celebrate – yet. We have to tread carefully – if we abandon our social distancing efforts too soon, we can lose all that we have gained. As it stands, the peak of infections are only expected to be reached around September in South Africa. Those In The Know predicts that the Corona virus will be with us (globally), at least until midway through 2021 and we’re still many month

March 2020 Email (Mar 2020)
Pandemic Blues Everyone is talking about the novel Corona 19 virus, or COVID-19. We all have a mix of denialists, panic buyers, end-of-the-world proclaimers, racists, but also altruists, helpers, idealists, realists and motivational speakers in our bubbles and the tension is palpable. This virus has taken its toll on the economy and people are panicking as they watch markets underperform.  Businesses are taking strain and many workers across the board are worried about their financial

Feb 2020 Email (Feb 2020)
Can anyone please explain to me why this year is in such a hurry? Here we are, already into February and the pace is not slowing down.   At Northwood Financial Services cc, we are all on track to provide you with solid, balanced, financial advice and again affirm our readiness to work with you to help you secure financial independence, protect your lifestyle and grow your wealth. Remember, we listen to YOU – it is your needs, priorities and preferences that matter, which is why we do no

Dec 12 2019 Email (Dec 2019)
Looking back It seems as if the year speeds up exponentially after October! Here we are, nearing the end of the year again. At the closing of this decade, I want to reflect on a few things – the good and the bad. We have seen: Corruption and arrests The end of a political era and a new President has been elected. There are various mechanisms that have been put in place to investigate and fight corruption. Though the wheels of justice seem to be turning slowly, we are finally seeing cor

Sept 25 2019 Email (Sep 2019)
Social Media and Northwood Financial Services cc At NFS, we have been very busy! Apart from continuing to look after your financial well-being and offering brilliant advice, we have also been hard at work on our Social Media presence. Website Those of you who have recently visited our website at www.northwood.co.za, would have noticed that the pages are being updated to better reflect our current services. Here you will find information on our business, our philosophy and our service offeri

Aug 28 2019 Email (Aug 2019)
Young Achievers Since I entered the financial services industry in 1987, I have come to recognise that many people feel insecure about their ability to handle finances in a responsible, well-thought-through manner.   I also realise that as financial advisors, we have an essential role to play in facilitating greater financial literacy and giving our clients the necessary skills to make decisions about their finances so that THEY remain in control – not the broker.   Communicating the u

Jul 20 2019 Email (Jul 2019)
Finding the Right Person in our Office I hate trying to contact some companies, especially when you get locked into speaking to a computer without any hope of a human answering. We try to avoid such experiences.   While I am the Key Person within Northwood Financial Services cc, and I am the coach who will conduct the interviews, I have a number of support staff who make things happen.  Here is a quick guide to help you find the right person when you next want to communicate with us: &

October 2017 (Nov 2017)
ARE FINANCIAL PLANS OPTIONAL? Recently, someone asked me why I thought they needed a Financial Plan This particular person has short-term debt equal to two years’ salary and long-term debt equal to seven years' salary. Their total debt accrued interest equal to 70 percent of their monthly income. I suppose my answer, which was “ You aren’t particularly good at working with money,” wasn’t obvious to them. A financial plan will force you to confront a few realities. What are your long and sho

September 2017 (Oct 2017)
TREATING CUSTOMERS FAIRLY In the financial services industry, not all financial planners follow the same code of ethics. Recently I became aware of two situations where clients were subjected to questionable advice. John had around R2 000 000 to invest and naturally discussed his options with his financial planner. He was told to invest the whole R2 000 000 in a single premium endowment, essentially locking the money away for five years. John happens to be 94 years old. His financial planner s

August 31 2017 (Sep 2017)
MEET THE NORTHWOOD TEAM Northwood Financial Services CC was founded in 1990 by Nico Kleynhans. Nico started working in the financial services industry in 1987. After forming Northwood, he completed a Diploma in Financial Management and then went on to obtain a Post-graduate Diploma in Financial Planning. He now holds the title of Certified Financial Planner - CFP®. Nico’s clients rely on his years of experience, as well as his unique take on financial planning. The Office Team: Kristen is Nor

July 31 2017 Copy (Aug 2017)
WHEN MARKETING THEORIES CHANGE The 4P approach is the most popular Marketing Model that businesses have been following for at least 60 years. These are namely: Place, Product, Price and Promotion. Today, businesses are forced to move away from the 4P approach. Research shows that marketing trends have changed profoundly. The shift is a necessary one if you are an entrepreneur and want to keep up with your clients’ needs and wants. Place – This no longer only refers to a physical place where

June 28 2017 (Jun 2017)
PLANNING FOR A COMFORTABLE RETIREMENT When planning for retirement a general guideline is to aim for an income of between 75% to 80% of your salary. This should ensure that you are relatively comfortable. However, it is worth noting that the pension you receive at retirement must account for inflation. Your retirement savings will need to keep up with the ever-increasing cost of living. One of the most frequently asked questions at Northwood is “ How much will I need one day?” To ensure that

May 24 2017 (May 2017)
KEEPING YOUR FINANCIAL PLANNER IN THE LOOP Do you talk to your Financial Planner before making a financial decision? At Northwood, we encourage our clients to contact us before making any financial decisions. A client of ours applied to her bank for vehicle financing. She also gave the salesman assisting her permission to apply on her behalf. The two financing offers she received quoted the same interest rates and to her the deals looked the same. However, after reading through each offer, we

Apr 25 2017 (Apr 2017)
INVESTMENT ADVICE: THE NORTHWOOD DIFFERENCE When starting your financial planning journey, there are many options to consider. By far, the biggest dilemma many clients face, is conflicting advice. The area that often causes the most confusion is retirement planning. There have been several legislative changes around retirement funding in the last few years. Therefore, the amount of outdated information floating around comes as no surprise. We recently received a query from one of our clients re

Mar 21 2017 Email (Mar 2017)
THE POWER OF ASSET DIVERSIFICATION During 2016 some of our clients grew their wealth by up to 22%. In an environment where the JSE did not perform all that well, and where some insurance portfolios had a return of 1.1%, our strategy has proved itself again. How do we do this? We use active managers like 2IP to manage our unit trust portfolios, and we diversify our clients' portfolios. Every client knows that we expect their investment portfolio to include an emergency fund, investment re






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Marina Da Gama 7945
Western Cape South Africa
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