Savings are important. They’re a chunk of cash taken off your account every month for your life insurance policy or your retirement annuity; an amount you digitally set aside each month for the unexpected twists life sets up in your story – hitting a pothole, a broken washing machine, an unexpected geyser failure. They are the difference between financial stability when the worst happens, and financial duress. And the longer you save, the more you earn thanks to the magic of compound interest and investments.

For some, the savings journey begins and ends with ticking the usual boxes. Have the padding and the planning, job done. For others, the sheer scale of savings options can be overwhelming and they don’t even know where to start. Do they want an offshore investment? Retirement? Life insurance? What account do they need – savings, notice, investment, tax-free?