When it comes to legacy, most of us think in rands, cents, and stuff: the house, the investments, the will. But as Michael Avery explores with Kerryn Franck, Head of Chartered Legacy & Trust, and Kim Potgieter, Director and Head of Life Planning at Chartered Wealth Solutions, the real gift you leave behind may be clarity, communication, and preserved relationships.

In this episode of Life Chapters, Money Choices, we unpack why a legacy isn’t just what you leave, but how you leave it. From blended families and “fair vs equal”, to wills, letters of wishes, executors, trusts, tax complexity and liquidity traps, Kerryn and Kim share real stories from the front line of estate and legacy planning – including what happens when families only discover the truth after a death.

Whether you’re worried about keeping the peace, navigating tricky family dynamics, or simply wanting to leave things tidier than you found them, this conversation will help you see legacy as a living process, not just a legal event.

In this episode:

• Why silence around inheritance often causes more conflict than hard conversations
• Fairness vs equality in blended and complex families
• The real role of a will vs a letter of wishes
• Choosing an executor (and why it shouldn’t always be your eldest child)
• How overcomplicated structures, trusts, and tax planning can backfire
• Preparing your heirs emotionally and financially for what they’ll inherit

🎧 The Gift of a Clear Legacy – because your greatest inheritance might not be money, but understanding.

🎧 Tune in. Be brave. Be on purpose.

What happens when love and money don’t quite balance out? 

In this episode, Michael Avery is joined by Chartered Wealth’s Kim Potgieter and Stephanie Ferreira to explore what really goes on when one partner earns significantly more than the other – and how feelings like guilt, pride, resentment, or shame can reshape the story of a relationship. 

They unpack:
💬 Why money is still the ultimate relationship taboo
💬 How to talk about income differences without triggering ego or defensiveness
💬 The link between emotional safety and financial security
💬 Practical ways for couples to share goals, split expenses fairly, and check in without judgment.

This honest conversation reminds us that money isn’t a competition – it’s an invitation to collaborate, communicate, and co-create a life that feels truly wealthy, together.  

🎧 If you’ve ever avoided “the money talk” with your partner, this one’s for you. 

🎧 Tune in. Be brave. Be on purpose.

After four decades of auditing balance sheets, Andrew turns the lens inward in this deeply reflective and practical conversation about planning for life beyond the title.

In this episode, Michael Avery and Kim Potgieter sit down with Andrew to explore what it really takes to shift from a career of being important to being important to others. Drawing from Bob Buford’s Halftime, Andrew shares how he approached his retirement with the same forensic intent he brought to the boardroom, from coaching certifications to coffee chats and Land Cruiser dreams.

They unpack:

• The dangers of postponing retirement planning until it’s too late
• Why confidence, not just capital, is the biggest risk in transition
• How to confront deeply embedded money stories around work, worth, and scarcity
• What it means to curate an epic second chapter with purpose and joy

Whether you're years from retirement or already contemplating your “next,” this episode offers a blueprint for moving from success to significance, intentionally, courageously, and joyfully.

🎧 Tune in. Be brave. Be on purpose.

What happens when you’ve built your identity around caregiving, only to find yourself at midlife asking, “What’s next?”

In this deeply personal episode of Life Chapters, Money Choices, Michael Avery sits down with Lyndsay Barr, writer and former social worker, and Kim Potgieter of Chartered Wealth Solutions to explore how our beliefs about money shape our lives, and how they can be rewritten.

From feeling “stuck” and believing “money is bad” to saving for a dream trip to the U.S. to see her son, Lyndsay’s journey is about courage, reframing, and reclaiming agency. Together, Michael, Kim and Lyndsay unpack how money stories form, why guilt and shame so often surround women and finances, and how financial planning can become an act of self-care and empowerment.

Whether you’re an empty nester, a midlife career changer, or just curious about how to transform your relationship with money, this episode is packed with honesty, hope, and practical wisdom.

🎧 Tune in. Be brave. Be on purpose.

She didn’t grow up having money conversations, so today, she’s intentional about giving her children something she never had — a legacy of honesty and accountability.

In this deeply personal episode, Lauren (not her real name) shares her story of starting over after two marriages, raising children as a single mother, and supporting her daughter and grandchildren, all while learning to redefine her own relationship with money.

Joined by host Michael Avery and Chartered Wealth’s Kim Potgieter, this episode explores:

 • How inherited beliefs around money can sabotage or serve us.
 • The emotional cost of over-giving and the healing power of boundaries.
 • How to model financial responsibility for your children even if you’re still learning yourself — and why now is the perfect time to start your own money conversations.
 • The moment when a financial plan becomes a life plan.

 Lauren’s courage to open up about guilt, love, sacrifice, and self-reinvention will resonate with anyone who’s ever wondered: “Am I teaching my children the right lessons about money or repeating my parents’ mistakes?”

🎧 Listen to this episode now — and don’t forget to subscribe for more real stories, share it with a friend, and start your own money conversation today.

🎧 Tune in. Be brave. Be on purpose.

What happens when your career ends before you’re ready and retirement doesn’t feel like rest, but like a question mark?

In this episode, host Michael Avery speaks with former corporate executive Magnus Taljaard, who found himself “retired” earlier than planned and chose reinvention instead. Together with Kim Potgieter, they unpack the emotional complexity of identity, purpose, and building a second chapter around meaning rather than status. 

 This episode explores: 

• Letting go of a career identity that defined you for decades 
• Why planning for retirement is more than just money 
• The discomfort of freedom and the guilt of slowing down 
• How to build a “portfolio life” and test new ideas without overplanning 
• And why staying curious might just be your most powerful retirement strategy

🎧 Start now. Your next chapter might be the best one yet. 

🎧 Tune in. Be brave. Be on purpose.

When love ends in loss, what happens next? In this episode of Life Chapters, Money Choices, host Michael Avery is joined by Kim Potgieter and Financial Planning Specialist, Tiffany Havinga, to unpack the emotional and financial shock of widowhood.

The discussion touches on the shock of stepping into new responsibilities while grieving, the importance of small structures that bring stability, and the conversations that can ease the burden for those left behind.

Whether you’ve walked this road or want to prepare for the unexpected, this episode is a powerful reminder that financial planning isn’t just about money; it’s about life, love, and being prepared for whatever comes next.

💬 Subscribe, share, and reflect on the conversations you still need to have.

🎧 Tune in. Be brave. Be on purpose.

What happens when your career ends but your purpose hasn't yet begun?

In this episode of Life Chapters, Money Choices, host Michael Avery is joined by retired executive Ronelle Baker, and life planning coach Kim Potgieter, to explore what really happens when the salary ends and the silence sets in.

Ronelle shares her powerful story of retiring early, chasing freedom, and then realising that fulfilment takes more than free time and lots of overseas trips. From resistance to renewal, she takes us through the emotional curve of reinvention and how a move to a Mature Lifestyle Estate helped her rediscover meaning, joy, and community.

Together, we explore:

• Letting go of status and work identity
• The emotional reality vs. the dream of retirement
• Why “Retiremeant™” is about retiring to something
• How place, people, and purpose can redefine your second act

Subscribe, reflect, and share this episode with anyone preparing for - or recovering from - a major life shift.

🎧 Tune in. Be brave. Be on purpose.

What happens when the life you built falls apart, but you discover you were always strong enough to rebuild it? 

In this episode, Michael Avery and Kim Potgieter, Managing Director at Chartered Wealth Solutions, sit down with Sarah (a pseudonym), a recently divorced Chartered Wealth client in her 50s. Together, they unpack the emotional and financial aftermath of her divorce and explore the complex relationship between identity, money, and midlife reinvention.

We explore: 

• Reclaiming financial independence after divorce 
• The burden of generosity: helping family without self-sacrificing 
• Learning to spend on yourself without guilt 
• The role of financial planning in rewriting your story

This is an inspiring, deeply human conversation about grief, growth, and the courage to choose joy again, with money as both mirror and tool.

🎧 Tune in. Be brave. Be on purpose.

In this opening episode of Life Chapters, Money Choices, host Michael Avery sits down with Certified Financial Planner and author Kim Potgieter to unpack the story behind the series and her own deeply personal journey. From growing up in a home defined by financial control, to losing both parents within a few years of each other, to reinventing herself midlife and helping others do the same. Kim’s story reveals why money is never just about numbers. It’s about agency, purpose, and the courage to change direction.

This episode explores why the second half of life could be your most meaningful and how a shift in perspective can help you rewrite your story.

🎧 Tune in. Be brave. Be on purpose.