Sanlam Financial Planner
Philippe Ghyoot
About me
Philippe Ghyoot is a Specialist Investment Adviser at Sanlam with 46 years of experience in the industry. He is co-principal of Consult Us BlueStar based in Pretoria. Philippe is well respected in the industry. He has a very gentle approach towards his fellow colleagues and his clients. He has built a successful business by building personal relationships with his clients, many of whom are third-generation clients. Philippe is known for his professional approach when rendering advice to his clients, and he is seen as a leader in the financial services industry.
My interests
- Reading financial magazines as well as crime solving stories
- Enjoys the outdoors such as fishing and bird watching
- Traveling with family and visiting family overseas
My qualifications & recent awards
Qualifications
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B.Sc. Hons. (Agriculture)
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National Certificate: Financial Markets & Instruments
Awards
48 LIMRA International Quality Awards
This annual award recognises professionals demonstrating high standards of quality, service, and professionalism in the insurance industry across the globe.
PRODUCTS AND SERVICES
What we offer
Severe Illness Cover
Helps cover the unexpected costs of a dread disease, leaving you to focus on your health.
TOOLS & CALCULATORS
Explore resources to help you connect with a financial adviser.
CAMPAIGNS
Discover more
BLOGS
Latest insights from our blogs.
Financial Planning
Costs of single motherhood
The costs of single motherhood unpacked with real expenses, budget tips and protection ideas to keep finances steady—start planning your next step.
Business Insurance
Momtrepreneurs: Become a mom and still retain your business
Momtrepreneurs balance motherhood and business with smart planning, time strategies, and financial support—keep your venture growing while raising a family. Start now.
Financial Planning
Getting real about retrenchment this #WorkersMonth
Getting real about retrenchment: practical steps to manage income loss, protect your finances, and plan your next move with confidence—take control today.
Financial Planning
10 Ways to earn extra income after work hours
10 ways to earn extra income after work hours, from side hustles to smart skills—boost your cash flow without quitting your job. Start building today.
Insurance
Do I Need Income Protection Insurance? Let’s break it down
Do I need income protection insurance? Get clear on risks, income gaps, and how to keep your finances stable if illness or injury affects your earnings—secure peace of mind.
Financial Planning
9 Money lessons motherhood teaches us #MothersDay
9 money lessons motherhood teaches us, from budgeting wisely to planning ahead for security—build stronger financial habits for your family’s future. Take the next step.
Insurance
How much life cover is enough?
Understand how income replacement, future needs and debt affect the right level of life cover to protect your loved ones and secure their financial future.
Retirement
Retirement planning: when the maths doesn’t math
Retirement planning isn’t just about numbers. Learn how timing, compound interest, savings rate and advice shape a realistic, confident retirement.
Insurance
Heart health risks for under-45s
Heart disease isn’t just an older adult’s concern. Younger South Africans face rising cardiovascular risks, worsened by stress, poor sleep, and mental health challenges. Protect your health and income with holistic Sanlam solutions.
Investments
Looking beyond borders: Why South African investors are going offshore for growth and security
Investing only in South Africa limits your growth. Offshore funds offer diversification, hedge against rand volatility, and access to global opportunities – now open to investors from all income levels.
Retirement
The Glacier Retirement Series on News24 is Live!
The Glacier Retirement Series on News24 is live! Get smart insights on saving, boosting and offshore investing to help you retire with confidence.
Financial Planning
Human Rights Day: Strengthening the future we build together
Strengthening the future we build together through shared goals, financial planning, and trusted advice—align your vision and move forward with confidence today.