{"id":1120,"date":"2020-07-23T05:00:15","date_gmt":"2020-07-23T03:00:15","guid":{"rendered":"https:\/\/affluencegroup.co.za\/?p=1120"},"modified":"2022-08-10T10:16:09","modified_gmt":"2022-08-10T10:16:09","slug":"time-to-start-asking-serious-questions","status":"publish","type":"post","link":"https:\/\/spiwealth.co.za\/index.php\/2020\/07\/23\/time-to-start-asking-serious-questions\/","title":{"rendered":"Time to start asking serious questions."},"content":{"rendered":"<p><sub>Let me start of with this. \u00a0There is a significant difference between someone selling a you life, retirement or investment policy and someone that provides lifetime financial, investment, taxation and family related guidance and solutions.<\/sub><\/p>\n<p><sub>And if you still don\u2019t know the difference, now is a very good time to ask some serious questions. Here are some for which you really need some honest and clear answers, for your own conscience and financial wellbeing.<\/sub><\/p>\n<ol>\n<li><span style=\"vertical-align: sub;\">Did your advisor discuss your investment fees with you, in detail and do you understand all the layers of fees? Particularly for retirement annuities, preservation and pension funds.<\/span><\/li>\n<li>Are you actually willing or have you been paying exorberent upfront fees and commissions on investments?<\/li>\n<li>Do you know you could be saving 60% or more on annual investment fees.<\/li>\n<li>Do you hold enough offshore exposure?<\/li>\n<li>What succession plan do your advisor have, or are you dealing with a one man show?<\/li>\n<li>Is there an independent investment process within the advisory firm, or are you expected to just sit tight and hope for the best? Especially now.<\/li>\n<li>Do you really understand the benefit of <strong style=\"vertical-align: sub;\"><em>independent advice<\/em><\/strong><span style=\"vertical-align: sub;\"> (someone that <\/span><strong style=\"vertical-align: sub;\">is not<\/strong><span style=\"vertical-align: sub;\"> obligated to only provide you with a single provider\u2019s options?) for example only Discovery, Sanlam, Liberty etc<\/span><\/li>\n<li>Do you have solutions in place that fit your actual needs, or do you have policies with a lot of presumed bells and whistles and not really sure because you don\u2019t understand most of it?<\/li>\n<li>Are you comfortable that whoever is advising you are actually qualified to give you guidance on all tax implications?<\/li>\n<li>When last did your advisor review your will, along with reviewing your portfolio?<\/li>\n<\/ol>\n<p><sub>If ever you wonder why some people seem to be getting better results, outcomes and moving ahead faster than others. Perhaps you should consider that they rarely do it alone, but they have the ability to surround themselves with the best people.<\/sub><\/p>\n<p><sub>You also have a choice.<\/sub><\/p>\n<p>Jacques Hodsdon \u2013\u00a0\u00a0MCom Tax |\u00a0CA(SA) |\u00a0CFP \u00ae\u00a0\u00a0 is a Director of SPI WEALTH.\u00a0For enquiries contact,\u00a0<a href=\"mailto:jacques@afgroup.co.za\">jacques@ spiw.co.za<\/a>\u00a0or 013 752 6566<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Let me start of with this. \u00a0There is a significant difference between someone selling a you life, retirement or investment policy and someone that provides lifetime financial, investment, taxation and family related guidance and solutions. And if you still don\u2019t know the difference, now is a very good time to ask some serious questions. Here&hellip;<\/p>\n","protected":false},"author":1,"featured_media":6644,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1120","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","category-1","description-off"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Time to start asking serious questions. - SPI Wealth<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/spiwealth.co.za\/index.php\/2020\/07\/23\/time-to-start-asking-serious-questions\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Time to start asking serious questions. - SPI Wealth\" \/>\n<meta property=\"og:description\" content=\"Let me start of with this. \u00a0There is a significant difference between someone selling a you life, retirement or investment policy and someone that provides lifetime financial, investment, taxation and family related guidance and solutions. And if you still don\u2019t know the difference, now is a very good time to ask some serious questions. Here&hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/spiwealth.co.za\/index.php\/2020\/07\/23\/time-to-start-asking-serious-questions\/\" \/>\n<meta property=\"og:site_name\" content=\"SPI Wealth\" \/>\n<meta property=\"article:published_time\" content=\"2020-07-23T03:00:15+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-08-10T10:16:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/spiwealth.co.za\/wp-content\/uploads\/2022\/08\/Time-to-start-asking-serious-questions-3.fw_.png\" \/>\n\t<meta property=\"og:image:width\" content=\"891\" \/>\n\t<meta property=\"og:image:height\" content=\"595\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"SPI Wealth\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"SPI Wealth\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/spiwealth.co.za\\\/index.php\\\/2020\\\/07\\\/23\\\/time-to-start-asking-serious-questions\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/spiwealth.co.za\\\/index.php\\\/2020\\\/07\\\/23\\\/time-to-start-asking-serious-questions\\\/\"},\"author\":{\"name\":\"SPI Wealth\",\"@id\":\"https:\\\/\\\/spiwealth.co.za\\\/#\\\/schema\\\/person\\\/4c0d54054bd08f0b1ad5e19d0baba52c\"},\"headline\":\"Time to start asking serious questions.\",\"datePublished\":\"2020-07-23T03:00:15+00:00\",\"dateModified\":\"2022-08-10T10:16:09+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/spiwealth.co.za\\\/index.php\\\/2020\\\/07\\\/23\\\/time-to-start-asking-serious-questions\\\/\"},\"wordCount\":352,\"publisher\":{\"@id\":\"https:\\\/\\\/spiwealth.co.za\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/spiwealth.co.za\\\/index.php\\\/2020\\\/07\\\/23\\\/time-to-start-asking-serious-questions\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/spiwealth.co.za\\\/wp-content\\\/uploads\\\/2022\\\/08\\\/Time-to-start-asking-serious-questions-3.fw_.png\",\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/spiwealth.co.za\\\/index.php\\\/2020\\\/07\\\/23\\\/time-to-start-asking-serious-questions\\\/\",\"url\":\"https:\\\/\\\/spiwealth.co.za\\\/index.php\\\/2020\\\/07\\\/23\\\/time-to-start-asking-serious-questions\\\/\",\"name\":\"Time to start asking serious questions. - SPI Wealth\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/spiwealth.co.za\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/spiwealth.co.za\\\/index.php\\\/2020\\\/07\\\/23\\\/time-to-start-asking-serious-questions\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/spiwealth.co.za\\\/index.php\\\/2020\\\/07\\\/23\\\/time-to-start-asking-serious-questions\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/spiwealth.co.za\\\/wp-content\\\/uploads\\\/2022\\\/08\\\/Time-to-start-asking-serious-questions-3.fw_.png\",\"datePublished\":\"2020-07-23T03:00:15+00:00\",\"dateModified\":\"2022-08-10T10:16:09+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/spiwealth.co.za\\\/index.php\\\/2020\\\/07\\\/23\\\/time-to-start-asking-serious-questions\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/spiwealth.co.za\\\/index.php\\\/2020\\\/07\\\/23\\\/time-to-start-asking-serious-questions\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/spiwealth.co.za\\\/index.php\\\/2020\\\/07\\\/23\\\/time-to-start-asking-serious-questions\\\/#primaryimage\",\"url\":\"https:\\\/\\\/spiwealth.co.za\\\/wp-content\\\/uploads\\\/2022\\\/08\\\/Time-to-start-asking-serious-questions-3.fw_.png\",\"contentUrl\":\"https:\\\/\\\/spiwealth.co.za\\\/wp-content\\\/uploads\\\/2022\\\/08\\\/Time-to-start-asking-serious-questions-3.fw_.png\",\"width\":891,\"height\":595,\"caption\":\"SPI wealth | Service, Impact, People | Financial Advisors Nelspruit | Financial Planners Nelspruit\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/spiwealth.co.za\\\/index.php\\\/2020\\\/07\\\/23\\\/time-to-start-asking-serious-questions\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/spiwealth.co.za\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Time to start asking serious questions.\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/spiwealth.co.za\\\/#website\",\"url\":\"https:\\\/\\\/spiwealth.co.za\\\/\",\"name\":\"SPI Wealth\",\"description\":\"SPI Wealth Website\",\"publisher\":{\"@id\":\"https:\\\/\\\/spiwealth.co.za\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/spiwealth.co.za\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/spiwealth.co.za\\\/#organization\",\"name\":\"SPI Wealth\",\"url\":\"https:\\\/\\\/spiwealth.co.za\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/spiwealth.co.za\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/spiwealth.co.za\\\/wp-content\\\/uploads\\\/2022\\\/07\\\/SPI-WEALTH-LOGO-WHITE-TEXT-TRANSP.png\",\"contentUrl\":\"https:\\\/\\\/spiwealth.co.za\\\/wp-content\\\/uploads\\\/2022\\\/07\\\/SPI-WEALTH-LOGO-WHITE-TEXT-TRANSP.png\",\"width\":1415,\"height\":425,\"caption\":\"SPI Wealth\"},\"image\":{\"@id\":\"https:\\\/\\\/spiwealth.co.za\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/spiwealth.co.za\\\/#\\\/schema\\\/person\\\/4c0d54054bd08f0b1ad5e19d0baba52c\",\"name\":\"SPI Wealth\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/4131362a4381231645ac8913ebf64a0a40e6f6fc95b075b495062c81ef79e684?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/4131362a4381231645ac8913ebf64a0a40e6f6fc95b075b495062c81ef79e684?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/4131362a4381231645ac8913ebf64a0a40e6f6fc95b075b495062c81ef79e684?s=96&d=mm&r=g\",\"caption\":\"SPI Wealth\"},\"sameAs\":[\"http:\\\/\\\/spiwealth.co.za\"],\"url\":\"https:\\\/\\\/spiwealth.co.za\\\/index.php\\\/author\\\/spi-wealth\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Time to start asking serious questions. - SPI Wealth","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/spiwealth.co.za\/index.php\/2020\/07\/23\/time-to-start-asking-serious-questions\/","og_locale":"en_US","og_type":"article","og_title":"Time to start asking serious questions. - SPI Wealth","og_description":"Let me start of with this. \u00a0There is a significant difference between someone selling a you life, retirement or investment policy and someone that provides lifetime financial, investment, taxation and family related guidance and solutions. And if you still don\u2019t know the difference, now is a very good time to ask some serious questions. Here&hellip;","og_url":"https:\/\/spiwealth.co.za\/index.php\/2020\/07\/23\/time-to-start-asking-serious-questions\/","og_site_name":"SPI Wealth","article_published_time":"2020-07-23T03:00:15+00:00","article_modified_time":"2022-08-10T10:16:09+00:00","og_image":[{"width":891,"height":595,"url":"https:\/\/spiwealth.co.za\/wp-content\/uploads\/2022\/08\/Time-to-start-asking-serious-questions-3.fw_.png","type":"image\/png"}],"author":"SPI Wealth","twitter_card":"summary_large_image","twitter_misc":{"Written by":"SPI Wealth","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/spiwealth.co.za\/index.php\/2020\/07\/23\/time-to-start-asking-serious-questions\/#article","isPartOf":{"@id":"https:\/\/spiwealth.co.za\/index.php\/2020\/07\/23\/time-to-start-asking-serious-questions\/"},"author":{"name":"SPI Wealth","@id":"https:\/\/spiwealth.co.za\/#\/schema\/person\/4c0d54054bd08f0b1ad5e19d0baba52c"},"headline":"Time to start asking serious questions.","datePublished":"2020-07-23T03:00:15+00:00","dateModified":"2022-08-10T10:16:09+00:00","mainEntityOfPage":{"@id":"https:\/\/spiwealth.co.za\/index.php\/2020\/07\/23\/time-to-start-asking-serious-questions\/"},"wordCount":352,"publisher":{"@id":"https:\/\/spiwealth.co.za\/#organization"},"image":{"@id":"https:\/\/spiwealth.co.za\/index.php\/2020\/07\/23\/time-to-start-asking-serious-questions\/#primaryimage"},"thumbnailUrl":"https:\/\/spiwealth.co.za\/wp-content\/uploads\/2022\/08\/Time-to-start-asking-serious-questions-3.fw_.png","inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/spiwealth.co.za\/index.php\/2020\/07\/23\/time-to-start-asking-serious-questions\/","url":"https:\/\/spiwealth.co.za\/index.php\/2020\/07\/23\/time-to-start-asking-serious-questions\/","name":"Time to start asking serious questions. - SPI Wealth","isPartOf":{"@id":"https:\/\/spiwealth.co.za\/#website"},"primaryImageOfPage":{"@id":"https:\/\/spiwealth.co.za\/index.php\/2020\/07\/23\/time-to-start-asking-serious-questions\/#primaryimage"},"image":{"@id":"https:\/\/spiwealth.co.za\/index.php\/2020\/07\/23\/time-to-start-asking-serious-questions\/#primaryimage"},"thumbnailUrl":"https:\/\/spiwealth.co.za\/wp-content\/uploads\/2022\/08\/Time-to-start-asking-serious-questions-3.fw_.png","datePublished":"2020-07-23T03:00:15+00:00","dateModified":"2022-08-10T10:16:09+00:00","breadcrumb":{"@id":"https:\/\/spiwealth.co.za\/index.php\/2020\/07\/23\/time-to-start-asking-serious-questions\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/spiwealth.co.za\/index.php\/2020\/07\/23\/time-to-start-asking-serious-questions\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/spiwealth.co.za\/index.php\/2020\/07\/23\/time-to-start-asking-serious-questions\/#primaryimage","url":"https:\/\/spiwealth.co.za\/wp-content\/uploads\/2022\/08\/Time-to-start-asking-serious-questions-3.fw_.png","contentUrl":"https:\/\/spiwealth.co.za\/wp-content\/uploads\/2022\/08\/Time-to-start-asking-serious-questions-3.fw_.png","width":891,"height":595,"caption":"SPI wealth | Service, Impact, People | Financial Advisors Nelspruit | Financial Planners Nelspruit"},{"@type":"BreadcrumbList","@id":"https:\/\/spiwealth.co.za\/index.php\/2020\/07\/23\/time-to-start-asking-serious-questions\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/spiwealth.co.za\/"},{"@type":"ListItem","position":2,"name":"Time to start asking serious questions."}]},{"@type":"WebSite","@id":"https:\/\/spiwealth.co.za\/#website","url":"https:\/\/spiwealth.co.za\/","name":"SPI Wealth","description":"SPI Wealth Website","publisher":{"@id":"https:\/\/spiwealth.co.za\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/spiwealth.co.za\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/spiwealth.co.za\/#organization","name":"SPI Wealth","url":"https:\/\/spiwealth.co.za\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/spiwealth.co.za\/#\/schema\/logo\/image\/","url":"https:\/\/spiwealth.co.za\/wp-content\/uploads\/2022\/07\/SPI-WEALTH-LOGO-WHITE-TEXT-TRANSP.png","contentUrl":"https:\/\/spiwealth.co.za\/wp-content\/uploads\/2022\/07\/SPI-WEALTH-LOGO-WHITE-TEXT-TRANSP.png","width":1415,"height":425,"caption":"SPI Wealth"},"image":{"@id":"https:\/\/spiwealth.co.za\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/spiwealth.co.za\/#\/schema\/person\/4c0d54054bd08f0b1ad5e19d0baba52c","name":"SPI Wealth","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/4131362a4381231645ac8913ebf64a0a40e6f6fc95b075b495062c81ef79e684?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4131362a4381231645ac8913ebf64a0a40e6f6fc95b075b495062c81ef79e684?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/4131362a4381231645ac8913ebf64a0a40e6f6fc95b075b495062c81ef79e684?s=96&d=mm&r=g","caption":"SPI Wealth"},"sameAs":["http:\/\/spiwealth.co.za"],"url":"https:\/\/spiwealth.co.za\/index.php\/author\/spi-wealth\/"}]}},"_links":{"self":[{"href":"https:\/\/spiwealth.co.za\/index.php\/wp-json\/wp\/v2\/posts\/1120","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/spiwealth.co.za\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/spiwealth.co.za\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/spiwealth.co.za\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/spiwealth.co.za\/index.php\/wp-json\/wp\/v2\/comments?post=1120"}],"version-history":[{"count":2,"href":"https:\/\/spiwealth.co.za\/index.php\/wp-json\/wp\/v2\/posts\/1120\/revisions"}],"predecessor-version":[{"id":6669,"href":"https:\/\/spiwealth.co.za\/index.php\/wp-json\/wp\/v2\/posts\/1120\/revisions\/6669"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/spiwealth.co.za\/index.php\/wp-json\/wp\/v2\/media\/6644"}],"wp:attachment":[{"href":"https:\/\/spiwealth.co.za\/index.php\/wp-json\/wp\/v2\/media?parent=1120"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/spiwealth.co.za\/index.php\/wp-json\/wp\/v2\/categories?post=1120"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/spiwealth.co.za\/index.php\/wp-json\/wp\/v2\/tags?post=1120"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}