I recently took on a new client, who like many South Africans, found himself facing retrenchment. He is a good custodian of his money. He started investing for his retirement at a young age and runs his financial affairs with a budget. He does not have unnecessary debt and is well covered with life and disability insurance. 

On hearing he was going to be retrenched, he did the responsible thing and reviewed his financial situation. His existing adviser had left the financial institution that employed him, so he came to talk to me. ..

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