Home 2021-02-23T07:13:54+00:00

Building strong relationships to push the boundaries of possibilities.

janet hugo portrait picture on janethugo.co.za

Meet Janet Hugo

I have developed this online space  to share my and my family’s experience of the financial services industry.   From being on the receiving end of very poor financial advice, to our family experience of living with a dreaded disease and all that implies.

As a financial planner I have the privilege of helping my clients achieve peace of mind when it comes to their financial affairs.  I landed up in the industry to do just that for our family.

The phrase “you can’t trust a skinny chef” has always made me smile. I’ve collected some great practical tips about products, financial planning, dreaded disease and tax that I would like to share with you.

If you are looking for the Sterling Private Wealth corporate website please click on the Sterling logo below.

sterling private wealth logo
janet hugo articles on money web
janet hugo FPI

Meet Janet Hugo

I have developed this online space  to share my and my family’s experience of the financial services industry.   From being on the receiving end of very poor financial advice, to our family experience of living with a dreaded disease and all that implies.

As a financial planner I have the privilege of helping my clients achieve peace of mind when it comes to their financial affairs.  I landed up in the industry to do just that for our family.

The phrase “you can’t trust a skinny chef” has always made me smile. I’ve collected some great practical tips about products, financial planning, dreaded disease and tax that I would like to share with you.

If you are looking for the Sterling Private Wealth corporate website please click on the Sterling logo below.

sterling private wealth logo
janet hugo articles on money web
janet hugo FPI

Our Experience of

About 15 years ago, I was a stay at home mom with children of 6 and 8.  Although I was active in my husband’s investment management business, I had no source of my own income and it started to worry me.   I suppose I was asking the “What happens if…?” questions.

Read more

I have learned that planning for a dreaded disease event and experiencing it as a family are very different things.  I had no idea how much time would need to be invested in the administration that goes along with several different doctors and their accounts, the tax queries on legitimate medical claims and then the time drain of waiting.

Read more

Estate planning is not about minimising taxes and having enough money for your dependents. I really believe that having your affairs in order is one of the last acts of love you can do for the people you leave behind.

Read more

Latest Articles from Janet

Our oft-told money stories

April 12th, 2021|

Money isn’t real. It’s just an agreed-upon system of exchange. Have you ever heard that?  This is the realisation that many reach when feeling frustrated with tax systems, witnessing social injustice or experiencing the unfairness [...]

Win back your weekend

April 5th, 2021|

“Where did our weekend go?” Have you ever found yourself asking this question on a Sunday night or a few minutes after hitting snooze for the third time on a Monday morning? If you do [...]

Protecting your income for a better outcome

March 29th, 2021|

A few short decades ago, we lived in a world that seemed to have far more security and certainty. The rate of change was slower, and many assumed that if you stuck to the system, [...]

Plan to fail

March 22nd, 2021|

It doesn’t make sense, but we need to have a plan for when things go wrong.  People love to say that Benjamin Franklin once said that if you fail to plan, then you plan to [...]

Offshore shouldn’t be off-putting

March 15th, 2021|

“... your money deserves to go places,” Ninety One (dual-listed on both the South African and London Stock Exchanges). Many people who choose to stay in a country feel a sense of pride and patriotism [...]

How to make a sustainable change

March 8th, 2021|

All of us have moments in our life when we realise that we have to make a change. Sometimes change is something we choose, and sometimes it happens to us, forcing us to find a [...]

Ifs, buts and Bitcoin

March 8th, 2021|

“If only I’d bought into Bitcoin in 2008…” “But, it’s not regulated…” “But, the bubble…” “Bitcoin - I don’t want to miss out…” Before engaging in any blog about Bitcoin, it HAS to be stated [...]

It’s Hue-Guh, not Hoo-Gah

March 1st, 2021|

Hygge (pronounced hue-guh, not hoo-gah) is a Danish word used when acknowledging a feeling or moment as cosy, charming or special. This can happen whether alone or with friends, at home or out, ordinary or [...]

Latest Articles from Janet

Our oft-told money stories

Win back your weekend

Plan to fail

Get Janet Hugo’s independent thinking financial articles, right into your inbox.