Author: RS Editor

Client Tips – Lockdown Living

We have been in lockdown for 16 weeks already. This has brought with it anger, frustration, sadness, new hobbies, new skills and lots of time for spring cleaning. We asked our clients to share what they have been doing during lockdown, and it’s so encouraging to see so many people making the most of their time at home.

Finishing all those projects on the to do list has been popular amongst clients, and lockdown, it seems, has certainly been the perfect time to do so.

Keeping some type of a routine and staying connected to body, mind and spirit has been essential to many clients, especially as we have no idea when this will be over, so we have to keep our mental health a priority.

There has been lots of cooking going on, with some clients wondering whether to buy new freezers and more containers to keep all their frozen food.

Some clients have been homeschooling and doing online counselling, while others have found themselves taking care of toddlers while their parents work.

There has been a lot of upskilling taking place, and most the clients are now extremely comfortable with Zoom, one client is even doing an online Zoom computer course.

Lots of books have been read, and clients have discovered some beautifully written and inspiring reads.

And lastly, but certainly not least, some clients have used this time to reconnect with their partners, through doing activities such as gardening, or by simply sitting on the couch, holding hands while watching Netflix.

Please let us know what you have been doing during lockdown. We would love to hear from you.

Catching Up with Sally Williams

Sally Williams is a much-loved South Africa icon, fondly known for her legendary nougat, a business she started at 54 years of age. Her story is one of passion, determination and an entrepreneurial spirit. While Sally sold her business many years ago, she still has big plans, so we decided to catch up with her to see what she has been up to during lockdown.

Last year, Sally decided that she would start working on a recipe book that would feature a selection of her favourite and most loved recipes. She had hoped that lockdown would be the perfect time to do this; however, she says it’s a slow process, especially since she has so many to work through, and deciding what to include is proving to be a difficult task.

She is also spending much of her time doing day-to-day chores since her Char has been off since the start of lockdown, so all the cleaning and most of the cooking is left to Sally.

Lockdown hasn’t been with its complications, particularly so when she fell and broke four ribs. Sally stayed at her daughter’s house during this time, and not one to remain idle, she made the most of this downtime and joined Tinder. Her Tinder journey was short-lived, especially as her first encounter was with a potential scammer. Sally knew better than to fall for his story, and it’s safe to say that the scammer was taught a lesson by Sally. When Sally describes this story, you can hear how she lives her life, full of humour, joy and passion.

Having recovered from her fall, Sally is back at it and goes for daily walks between 8:00 and 9:00 am. She walks with friends who live in her complex, and has made a few new friends along the way. She believes in sticking to a routine and feels that no matter how you feel, it is essential to be well-groomed; for this reason, she does her hair and make-up every day.

She says that before lockdown, she had no attachment to her phone, however, since lockdown she has become somewhat addicted to it, particularly WhatsApp. She has a group of friends who share videos and memes daily, and she delights in them.

Sally has managed to watch some TV, and she highly recommends: Becoming, Self Made and Unorthodox, all on Netflix. She also read, and thoroughly enjoyed, Marian Keyes’ latest novel called Grown Ups, particularly because she could identify with so many people in the book.

Despite being isolated, Sally reiterates all the things she has to be grateful for. A wonderful reminder to us all, especially at this time when it is so easy to get caught up in all the negativity surrounding us.

Sally will be one of our guests at our virtual Women’s Day event that will be held in August. Keep an eye out for more details.

Adapting your language of love during lockdown

We each express and experience love in different ways; this extends to romantic, platonic and interpersonal relationships. Dr Gary Chapman conceptualised this in his book, The 5 Languages of Love. He breaks down the love languages into five categories: Quality Time (spending time together attentively), Receiving Gifts (receiving thoughtful physical items), Acts of Service (helping with tasks), Words of Affirmation (acknowledgements, compliments) and Physical Touch (hugs, touches of reassurance).

Knowing your language of love and those of people closest to you can help nurture relationships during this time of isolation and vulnerability. If you don’t know what your language of love is you can take the quiz online to narrow down which ones are most relevant to you and those around you.

It’s not business as usual, so we need to be creative and adapt to how we express these love languages during this time.

Quality Time: We can’t physically be with all our loved ones during lockdown, but that doesn’t mean we can’t spend quality time with them. Zoom dates work wonders, and there is no limit as to how you can use it to connect. Schedule time for sundowners or make dinner together – separately. You can even watch a movie together. Netflix offers a service called Netflix Party, which allows you to share a screen and watch together.

Receiving Gifts: With level 4 came the opening up of more businesses, so it is now easier to send gifts. Small tokens of appreciation go a long way. If you are fortunate to live close to family and friends, why not pop a letter in their post box, or leave a small gift at their gate. A friend recently shared with me how her parents dropped a box of old pictures with a handwritten note at her gate. This gesture meant so much to her, and it provided a wonderful opportunity to share childhood memories with her children.

Acts of Service: Try helping with a task you would not normally do, be it cooking, cleaning or mowing the lawn. Acts of service aren’t limited to those you are locked down with. During this time, many people have become involved in feeding schemes and initiatives to assist the poor. Show them that you care by dropping goods to contribute to food parcels, or if they live far away, consider donating to a charity that is important to them.

Words of Affirmation: Send messages to your family and friends. A simple “Hi, I am missing you,” or “I love you” can be very powerful. There are so many inspiring poems and videos doing the rounds on social media at the moment, forwarding these with a message saying “I saw this, and it made me think of you” makes people feel loved. Words are such a powerful tool when it comes to connection.

Physical Touch: Unfortunately, there is little we can do about physical touch during these times. While we can’t physically touch people, and it’s hard to read people’s expressions behind their masks, we still have words. Try and express what you would have said through a handshake or hug in words. As for the people you are in lockdown with, hug them often and much. They say hugging helps reduce stress, improve communication and generally make people happier.

Stay safe, stay connected, and stay in touch – we love hearing your stories and insights about life in lockdown and the various ways you are getting through it.

Nurturing relationships in the time of Corona

As we head into week six of lockdown, it’s becoming increasingly apparent that frustration levels are running high. If you belong to a neighbourhood WhatsApp group, you have likely noticed a shift in the tone of the messages. Initially, we got messages encouraging us all to paint rainbows on our gate, and step outside at 7:00 pm to blow our vuvuzelas and bang our pots to show appreciation for the frontline workers. These messages have since been replaced with endless complaints about people not wearing masks on their daily walks, badly behaved dogs, inconsiderate drivers and endless debates as to whether lockdown should be lifted or not. We are frazzled, we feel uncertain, and that’s okay, but we need to remind ourselves that we can only get through this together. We need to nurture rather than neglect our relationships, both with our family, partners and broader communities.

There are many downsides to lockdown, but one upside of spending so much time at home is that it has forced many of us to confront issues that were previously on our “to deal with in the future list” when it comes to relationship dynamics. We received the following from a client; she shares her experience of lockdown, forced retirement, and what it has meant to their relationship.

“A surprising consequence of lockdown is that my husband and I, after 51 years of marriage, have experienced what it would be like to retire, and surprisingly, we are both enjoying it. Before lockdown both of us were still very active – he worked full time in his GP practice, and I filled my time by working part-time at a psychiatric clinic, giving five yoga classes per week and playing golf at least three times a week. The question of retirement often came up, but both of us were loath to give up a reason to get up in the morning, and we were frankly worried how we would cope with each other 24/7. Well, lockdown fast-tracked our decision, and the results have been positive.

We have learned to accept that we are very different from each other – he is content to read and be on his iPad for most of the day, which is fantastic because he is not in great shape physically. I, on the other hand, have loads of energy so I rarely sit down until about 5 o’ clock, when I can enjoy a glass of wine.

I don’t expect him to help me cut the lawn, but he doesn’t expect me to sit with him for hours on end. After 51 years of hard slog, he is finally able to indulge in things that have always interested him, but never had the time to pursue – music, opera and literature. I fill my days with housework, gardening, yoga, exercise and reading.

Thank you, Covid-19, for giving us the opportunity to experience a new way of being. We love it. The unknown, which was so frightening, has now become the known and we are adapting very successfully to this new way of being.”

Surviving lockdown – tips from clients

We are all trying to navigate our way during this time of lockdown – these really are unprecedented times. Some days we seem to get it right, others horribly wrong and we wonder how we will get through the day, never mind the entire lockdown period. The saying “The only way out is through” certainly rings true during these times. By now we have all hopefully found a routine that provides structure and meaning to our days.

We decided to ask our clients to share their tips on surviving lockdown, the response to our request was overwhelming, and the tips we received were informative, insightful and innovative.

A theme that seems to carry through with many of the clients is one of connection. Staying connected with our families, neighbours and wider communities is a top priority for most. Many clients have taken to regular Zoom or WhatsApp calls with their families and friends, which is proving to be a great way to stay in touch. Evening neighbourhood drinks (all at acceptable distances of course,) have become the norm in many complexes.

WhatsApp groups have also proved a lifeline, and our clients are certainly making the most of them, whether it be asking neighbours to pick up groceries, sharing recipes, and even assisting in completing projects.

Clients also shared with us how some of their family and friends are staying connected to the outside world. One client made mention of a buddy system that they use at her daughter’s company in London. Each staff member is allocated a buddy to check in with every day – such a meaningful activity, especially as there are so many people locked down alone.

Clients are also using this time to cook together, making meals that provoke memories and relishing in the conversations that ensue.

At the heart of surviving lockdown seems to be routine. Whether we still work or are retired, we need to have some order to our day to avoid wasting endless hours watching mindless TV.

Many clients mentioned that a big part of their routine is to include time for exercise each day. Our clients are finding novel ways to keep fit, some are exercising in the garden, some on the treadmill, some have even taken to line dancing in the garage. There certainly is no shortage of creativity, we even have a client who invented a contraption that enables him to train in his pool.

Hobbies, both old and new have been keeping clients busy and we have received some wonderful online resources. Clients continue to have book club, sew, and play bridge with friends. One client has even taken to watching live streamed game drives in the Kruger Park which a beautiful way to stay connected to nature.

The free hours in the day have provided clients time for reflection, its been so wonderful to see so many clients use this time to write down their thoughts and keep gratitude journals. Time at home has meant that Vision Boards are being completed, and motivational books that have been on the TBR pile are being devoured.

The final lockdown tip we received comes from a client’s mother who recently celebrated her 98th birthday. She looks absolutely fantastic, and it’s clear to see that she takes pride in her appearance, wearing her pearls every day. While it is easy to not get out of your tracksuit or put on make-up during lockdown, her tip to us is a wise one – Don’t let yourself go!

How to join Retire Successfully Facebook Group

How to create a Facebook account

If you’re having a problem creating a Facebook account:
To let us know about the problem you’re experiencing while creating a Facebook account, you can fill out this form.

If you’re having a problem logging in:

How to join the closed Retiremeant™ Facebook group

Chartered Wealth Solutions encourages all clients to join the closed RetiremeantTM Facebook group. It is a platform where you as clients may interact, share ideas and stories

Once you have logged into your Facebook account click on the “search icon”.

Once you have selected the “search icon”, type in “retire successfully” and then select (click on) “retire successfully”.

You will then be directed to the following page with the option to select (click on) “Retire Successfully” – the official Retire Successfully Facebook Page.

Once you have landed on the official “Retire Successfully” Facebook page you will see the “Like” icon – select (click on) the icon. By ‘liking’ the Retire Successfully Facebook Page, you will gain access to all the content that is shared on this page.

Scroll down on the “Retire Successfully” Facebook Page – you will come across the “RetiremeantTM Community Private Group”. Select (click on) “Join Group”.

You will then be directed to the “RetiremeantTM Community Private Group” Page where you will then have to answer the question: “Are you a Chartered Wealth Solutions Client?” Write your answer in the text box and select (click on) “Submit”.

PLEASE NOTE: You will ONLY be accepted onto the “RetiremeantTM Community Private Group” if you are a client.

If you have any further queries please contact or call (011) 502 2800
Teams Featured Image

Using Microsoft Teams

Chartered Wealth Solutions looks forward to meeting with you on Microsoft Teams.

Microsoft Teams is an easy and simple communication platform that allows us to catch up with you over a video call.

Please follow the simple steps below, to get your Team video call up and running:

  1. You will receive an email that looks like the image below. Select the underlined text, “Join Microsoft Teams Meeting”:
  1. The link will re-direct you to a screen, that will allow you to “Join conversation”:
  1. Select the option that says “Join on the web instead”:
  1. Teams will then prompt you to use your microphone and camera
    If asked to use mic and video, select “Allow”:
  1. Your meeting will now launch and you will be presented with the following screen:
  • Type in your name on the blue line and select “Join now”
  • Wait here and your planner should let you into your meeting shortly:
  1. When your meeting starts, you will see your controls, in the middle of the screen:

The Controls mean the following:

Video On/Off
Microphone On/Off
Share content
Advanced settings
Manage participants
End call
  1. To enter the full screen for your planner to see you better, click on the 3 dots, shown below:
  • When the three dots show, select “Enter full screen”

If for any reason you have audio and visual problems

  • Select the three dots again and select “Show the device settings”, a side bar will appear, that will allow you to check for the correct audio and camera:

If for any reason, Teams is not compatible with your web browser, the below image will appear:

  • Select the option to “Join in Microsoft Edge”
  • There may be additional options that will pop up:
  • Click on “Open link” in either Microsoft Edge or Chrome

Microsoft Edge

  • When the pop up appears, select “Yes” to the use of your webcam and microphone
  • You will then be asked to join the meeting, select the “Join now” option:
Teams Image 12

Your Microsoft Team meeting should now be underway.

If you have any further queries please contact or call (011) 502 2800

Staying in touch

The coronavirus pandemic is affecting our everyday lives in multiple different ways, things are changing at such a rapid pace that it’s impossible to know what to expect next.

As we navigate these unchartered waters, please be reassured that communicating with you remains our top priority. Listed below are the communication channels we will be using. All content will be adapted to ensure you only receive up to date relevant information. Should you not be receiving any of these updates please email

Inflight Newsletter

While traditionally sent out once a month, this will now be sent on a regular basis and will continue to offer relevant insights into RetiremeantTM and ways to engage the Wheel of Balance: Work, Give Back, Relationships, Money, Learn, Health, Purpose and Play, while at home.

The Beacon

We will continue to send thought provoking articles written by our Directors and RetiremeantTM Specialists on what is happening in the economy, your investments, and up to date information on how Chartered is here to assist and support you. In the past this was sent out quarterly, however it will be sent more regularly.

Navigating the Tides

Market updates will be communicated weekly.

RetiremeantTM Tips

We will continue sending weekly RetiremeantTM tips with ideas and supporting articles on how to stay safe, courageous and kind during the Coronavirus.


Life Planning and Financial reviews and updates will be held via webinars. We will also use this platform to run workshops on how to connect with each other while we are practicing social distancing.

Zoom and Microsoft Teams

This will allow us to have regular virtual meetings with clients. Step by step guidelines explaining how to use Zoom and Microsoft Teams will be sent out and communicated via webinars.


Kim Potgieter will share regular podcasts covering relevant topics to keep us supported during this uncertain time.

Retire Successfully Facebook page

Please like our Facebook Page. We share regular, informative and inspirational content here – this is an open group.

RetiremeantTM Community Facebook Page

Our private Facebook group, specifically for our Chartered Wealth Family, is a place where our clients can connect and share tips and advice with each other.

Chartered Wealth App

Keep an eye out for our app, launching soon.

Let’s stay in touch and connected.

Resources to keep you busy

Social distancing, a term we had never heard of a few weeks ago, has suddenly become a reality in our lives. Where our days were filled with a variety of activities, we are now faced with endless hours at home. The thought of how to fill these hours can be overwhelming, so we have found some online resources that we hope you find useful.

You are never too old to learn a new skill. Yale’s most popular online class, ever, the topic – how to be happier in your daily life, is online for free, you can find it here. In this course, you will engage in a series of challenges designed to increase your own happiness and build more productive habits. As preparation for these tasks, Professor Laurie Santos reveals misconceptions about happiness, annoying features of the mind that lead us to think the way we do, and the research that can help us change. You will ultimately be prepared to successfully incorporate a specific wellness activity into your life.

If the course on happiness doesn’t appeal to you then take a look at Coursera, it has hundreds of free adult education courses from colleges and universities around the world in subjects like history, science, and art.

If you have been planning on decluttering your home, but haven’t yet got around to it, now may be a perfect time. Here are some tips on how to go about it. Please keep charities in mind when doing a clean- up. Organisations like Hotel Hope and Hospice rely heavily on donations that they sell in their respective shops. They will also collect when it is safe to do so.

Incorporating daily exercise into your daily routine is crucial for your general wellbeing; being stuck at home is no excuse to stop moving. There are so many options available to join a free online class, be it in yoga, dance or strengthening.

It is essential to acknowledge that these aren’t normal times we are living in. Be kind to yourself, indulge a bit, and what better way to do that than through reading. Love Books, situated in Melville, will be giving regular suggestions on what to read, as well as interviews with authors, editors and book reviewers on their Facebook page. Best of all, they deliver books for free within a 10-kilometre radius. If you prefer to listen to books, Audible has made hundreds of titles free during the Coronavirus pandemic.

No matter how you choose to fill your day, remember to stay safe and stay connected.