Denzil Watt CFP® FPSA®
Professional Financial Planner
*Member of The FPI & FISA
*Bachelor of Law (UFS) PGD Financial Planning (UFS), Advanced Diploma: Trust and Estate Administration (UFS)
With more than 30 years’ experience, Denzil excels in delivering financial, estate, and retirement planning solutions alongside discretionary investment management. He extends his expertise to commercial clients, advising on employee benefit schemes and risk planning. As a valued member of the Sage Multi Managers investment committee, Denzil's insights contribute to informed decision-making in investment strategies.
*Bachelor of Law (UFS) PGD Financial Planning (UFS), Advanced Diploma: Trust and Estate Administration (UFS)
With more than 30 years’ experience, Denzil excels in delivering financial, estate, and retirement planning solutions alongside discretionary investment management. He extends his expertise to commercial clients, advising on employee benefit schemes and risk planning. As a valued member of the Sage Multi Managers investment committee, Denzil's insights contribute to informed decision-making in investment strategies.
Nadia Gerber CFP®
Professional Financial Planner & Deceased Estate Manager
*Member of The FPI
* Bachelor of Law (UFS) PGD Financial Planning (UFS)
Nadia's focus lies in holistic planning, which includes financial, estate, and retirement planning, tailored to each client’s unique circumstances. As the head of our fiduciary department, Nadia compassionately assists bereaved families through the estate administration process, ensuring a seamless transition during challenging times.
* Bachelor of Law (UFS) PGD Financial Planning (UFS)
Nadia's focus lies in holistic planning, which includes financial, estate, and retirement planning, tailored to each client’s unique circumstances. As the head of our fiduciary department, Nadia compassionately assists bereaved families through the estate administration process, ensuring a seamless transition during challenging times.
Francois J Herselman CFP®
Professional Financial Planner and Sage Investment Operations Analyst
* Member of The FPI
*MBA (US) and PGD Financial Planning (US).
Francois is based in Cape Town. He is a dedicated financial planner and FPI member who prioritises client relationships and collaboration. He specialises in practical, clear financial solutions for individuals and corporations, helping them pursue their goals with confidence. As investment operations analyst of the Sage Multi-Managers Investment Committee, he is responsible for fund data tracking and fund manager communications, which enable him to contribute thoughtful insights for better investment decisions.
*MBA (US) and PGD Financial Planning (US).
Francois is based in Cape Town. He is a dedicated financial planner and FPI member who prioritises client relationships and collaboration. He specialises in practical, clear financial solutions for individuals and corporations, helping them pursue their goals with confidence. As investment operations analyst of the Sage Multi-Managers Investment Committee, he is responsible for fund data tracking and fund manager communications, which enable him to contribute thoughtful insights for better investment decisions.
Why your brain is working against your retirement
How are you feeling about your retirement plan? For many, this is a stress-filled question, leading them to avoid diving too deep! For others, they like to spend a lot of time looking at spreadsheets when planning for the future. They love analysing cash flow, projecting inflation, and debating asset allocation. But the biggest variable in your financial plan is not the stock market. It is the person looking at the spreadsheet. Human biology is a […]
The word over every door
“If I had my way, I would write the word ‘insure’ over every door of every cottage and upon the blotting pad of every public man… because I am convinced that, for sacrifices that are conceivably small, families can be secured against catastrophes which otherwise would smash them forever.” — Winston Churchill Winston Churchill spoke those words over a century ago. Yet, despite the massive evolution of the financial world since then, his observation remains incredibly […]
Who contributes to your success
There is a persistent myth in modern culture about the “self-made” individual. We celebrate the singular entrepreneur, the disciplined saver, and the visionary leader. We are naturally drawn to stories of individual grit. But if we are honest, the reality of success is rarely a solo endeavour. Behind every person who has built a life of financial security or professional achievement, there is almost always a quiet ecosystem of support. It might be the junior colleague […]
Surviving the noise
Have you ever looked at the financial news and felt that the world has lost its collective mind? Markets often plunge on seemingly good news and soar on terrible news. A company with no revenue can be valued at billions, while a solid, profitable business is ignored. The short-term behaviour of the stock market can feel entirely disconnected from reality. When confronted with this chaos, many intelligent people try to outsmart it. They try to figure […]
The core and the explore
Have you ever felt a pang of anxiety at a dinner party when someone mentions the incredible returns they just made on a new tech stock or emerging trend? It is a very human reaction. We are wired to seek progress, and watching someone else seemingly sprint ahead can make us feel like we are falling behind. This feeling often leads to a dangerous investing behaviour: chasing trends. When we chase the latest hot investment, we […]
The hidden cost of doing something
In almost every area of life, hard work and constant activity are rewarded. If you want to improve your health, you train more frequently. If you want to build a business, you put in longer hours. Action equals progress. But investing is a rare domain where this logic is turned upside down. In the world of wealth creation, constant activity is often penalised. When markets get bumpy or headlines become alarming, our instinct is to protect […]
Safety has a cost
“One can choose to go back toward safety or forward toward growth. Growth must be chosen again and again; fear must be overcome again and again.” Whilst this quote by psychologist Abraham Maslow is not usually found in financial textbooks, it certainly belongs in the realm of human potential. We tend to think of our financial lives as a series of big, one-off decisions. We choose a career. We buy a house. We set up a […]
Science for your money (Part 2)
In our last post, we looked at the foundational laws of money: spending less than you earn, insuring your risks, and respecting the erosive power of inflation. These are the defensive structures of a good plan. But defence alone doesn’t build the life you want. You also need to move forward. Today, we look at another three “unchangeable rules”, the principles that drive growth, manage uncertainty, and keep you sane in a crazy world. The only […]
Purpose, not predictions.
Strong financial plans are crafted with meaningful purpose, not more predictions. If you turn on the financial news or open the business pages, you will see an endless parade of predictions. “Markets set to rally.” “Recession looming.” “Interest rates to pivot.” “The death of the 60/40 portfolio.” Are you following a recipe for stress or success? The financial industry (and many others!) is obsessed with the future. It sells the idea that if we can just […]
Science for your money (Part 1)
In finance, as in life, there are opinions, and there are facts. Opinions are everywhere. You hear them at dinner parties, read them in the news reports, and see them shouted on cable news. “Buy gold,” “Sell tech,” “Property is dead,” “Crypto is the future.” These opinions change with the wind. But beneath the noise, there are certain principles that remain true regardless of who is President, what inflation is doing, or which stock is trending. […]
