The start of any new year brings fresh beginnings and a focus on new goals. As we come towards the end of January, pockets are tight, and people are getting back into the swing of things at work. This is the time to re-evaluate your financial situation and to plan for the year ahead.  Here is a breakdown of what you need to concentrate on in terms of Saving for Retirement, taking out Risk cover and establishing what your aims are for your personal and business protection:

Save more

If the holiday season is anything to go by, this time of year can be full of fun but can also restrict your cash flow coming into the new year. By setting aside a certain amount of your hard-earned money every month, you can more easily afford to go on holiday at the end of the year or celebrate the festive season on a better budget.


The new year is an excellent time to make resolutions, however, the important thing is to stick to them. Making realistic priorities for the year and setting goals helps you plan your year and to find out what are the most important things you want to achieve.

One of those priorities relates to your insurance. Have you asked yourself if you have enough Cover? Are you covered for Income, Life, or Medical? When was the last time you spoke to your broker? Set up a meeting to help with your priorities.

Think towards your Retirement

Too many of us fall into thinking that retirement if something that is a long way off and that we don’t need to concentrate on it. However, the statistics show us that by building your savings earlier rather than later means that you will reap the benefits in upon retirement. Try investing a sustainable amount monthly and investigate investment strategies. Employee Benefits provided by your company is one such avenue.

Protect your business

Are you a business owner? Have you checked if your company is sufficiently covered? Setting up Contingent Liability, Key Man and Business Trusts are forms of cover that you can look into to protect your company and its assets.


Starting a new year is full of possibilities and striving for one’s goals. Why not set your priorities early and look into protecting yourself fully in the year to come?

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