Sanlam Financial Planner
Koos Malan
Contact details
About me
Koos Malan is an energetic, full of life financial advisor for more than 20 years, based in Montana, offering professional, personalised assistance & guidance for his clients. Koos has more than 20 years industry experience in Retirement, Savings, Investments and Family planning, and with his fun, personalised, compassionate approach he easily connects with clients to understand their specific need and plan their portfolio accordingly. He has already reached his Whale status at Sanlam indicating his excitement, energy and love for the industry.
My interests
- Cycling
- Spending time with Family
My qualifications & recent awards
Qualifications
-
National Certificate in Wealth Management
Awards
- Eagle Status: Adelaar 1 Star
- International Quality Awards: 20
- NA
TOOLS & CALCULATORS
Explore resources to help you connect with a financial adviser.
BLOGS
Latest insights from our blogs.
Financial Planning
Think you know Tax? 6 Common South African Myths Busted for 2026
South African tax rules can be confusing, and myths often lead to costly mistakes. This blog unpacks six common tax myths, clarifies what’s true for 2026, and helps you make smarter, more confident financial decisions.
Financial Planning
Turn money moments into loving moments
Money can strain relationships, but it can also bring you closer. Learn how open, honest conversations about finances can ease tension, build trust, and turn everyday money moments into stronger, more loving connections.
Financial Planning
Start paying bills to yourself
Make your future a priority by paying yourself first. This blog shows how treating savings like a monthly bill can help you stay focused, resist lifestyle pressure, and build financial security for your goals and peace of mind.
Financial Planning
Money can't buy love, but talking about it can create happiness
Money can’t buy love, but talking about it can strengthen relationships. This blog explains how couples can improve trust, set shared goals, and openly manage finances to build a happier, healthier partnership.
Fiduciary Services
Life partners need to ensure they have a will in place
Life partners aren’t protected by intestate succession. This blog explains why having a valid will and clear agreements is essential to protect each other’s assets, wishes, and financial security if one partner passes away.
Financial Planning
Don’t let debt defeat you
Debt can be useful in moderation, but too much can trap you in a cycle. This blog shares practical ways to regain control, break free from over-indebtedness, and take confident steps toward a healthier financial future.
Investments
Tax-efficient investment opportunities
Pay less tax and grow your savings with smart investment choices. This blog explains tax-efficient options like Tax-Free Savings Accounts (TFSAs), showing how you can maximise returns while minimising tax with expert guidance.
Financial Planning
Marriage and money: Five critical factors to consider before tying the knot
Marriage affects more than love—it shapes your finances too. This blog outlines five key factors couples should discuss before tying the knot, from shared goals and expectations to protection against unforeseen financial risks.
Investments
Don't keep all your rands in one basket
Don’t keep all your rands in one basket. Diversify your investments to spread risk and increase chances of growth over time. A balanced portfolio helps shield you from market swings and improves long-term financial security.
Financial Planning
How to create a budget in 2026 that works
Take control of your finances in 2026 with a budget that works. Track income, outline expenses, involve your family, set goals, and prioritise debt. Simple, realistic planning helps you save, spend wisely, and achieve your financial goals.
Sanlam Reality
Personal loans vs Student loans: what is the difference?
Not sure whether to choose a personal loan or student loan? Student loans usually offer lower premiums and support while studying, making them better for education. Early planning and advice can help families, especially the ‘missing middle’.
Financial Planning
Take this checklist when meeting with your financial adviser
Prepare before meeting your financial adviser to make the most of your session. Bring key questions, review your will, portfolio, and financial plan, and gain clarity, peace of mind, and guidance to reach your goals.