Your Caring Community

A number of weeks ago, I had the sad occasion of attending the funeral of a good friend and client of mine. James had become a friend over a few years through our business dealings, something that commonly happens in our profession as Financial Advisers.


James and his wife Liz had two children, a son aged 8 and a beautiful little daughter aged 5. They had recently purchased their ideal house, a home that brought them much joy and a place to bring up their children in safety. James was the bread winner of the family and earned a decent salary as a “youngish” budding engineer.


Sadly, James passed away after a short war with cancer. A devastated Liz was left to hold the reigns and head the family. Fortunately, James and I had developed a solid Financial Plan over the years and Liz would not have to worry about financial matters. I had explained the situation to her and assured her that she and the children would still be able to live those dreams that James and Liz had planned before he passed away.


After the funeral service was over, when friends gather around to show support for the remaining family and share in their grief, I overheard two ladies in a whispered discussion. One was enquiring of the other whether James had left Liz with sufficient finances for her to bring up the children and have a secure future. It struck me at the time that it was a little late to be worrying about Liz’s financial situation now.


You may say “but what could either of the two ladies have done about it?”. The answer is very simple. We have all heard of instances of where a family has been left completely devastated by the loss of the bread winner with none or very little provision made for the unthinkable. It need not be that way.


Everybody has a circle of close friends or family around them that they truly care about, call it their Caring Community. But somehow, we tend to shy away from being concerned about each other’s financial security. Why wait until one of those people we care about pass away before showing concern for the remaining family’s financial affairs. All we have to do is to refer them to our Financial Adviser thereby giving those people that make up our Caring Community the opportunity to formulate a financial plan for themselves.


The great man, Winston Churchill has been quoted as saying; “If I had my way, I would write the word ‘insure‘ upon the door of every cottage and upon the blotting book of every public man, because I am convinced, for sacrifices so small, families and estates can be protected against catastrophes which would otherwise smash them up forever.”

The question is how deep does your care go for everyone in your Caring Community?



Tony Page – Franchise principal at IWCP Mpumalanga.


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