Website Disclaimer

Finfocus maintains the website for the express purpose of making general information more accessible to our clients and other readers. New information is continuously added. We upload information that is relevant to a specific product type or time of year. As an independent financial services provider, we also make different product providers’ information available on our website, if we find such information relevant, useful and illuminating. When we upload information bearing different product providers’ logos or details, we have obtained permission from these product providers to upload their information on our website and their disclaimers apply to those documents.

We aim to make the information uploaded relevant to our clients. However, we find it helpful that developments over time also be reflected on our website. The newest information will be up to date, but older information is just that – older, and aimed at reflecting the changing context in which financial services providers function.

All information on the website is made available with the understanding that if a client or reader needs further explanations they can contact a competent adviser directly. The information provided is therefore made without any representations or warranties of any kind.

While the information on the website is very carefully monitored and checked, Finfocus does not guarantee that the information provided is correct or up to date. Neither is Finfocus responsible or liable for loss or damages of any kind whatsoever arising out of use of, reference to, or reliance on any information or links reflected on the site. Finfocus does not claim that any information supplied is complete either. We try to be as accurate as possible without getting bogged down by too many details. The implication is always that the website is a tool to be put to use by a client or reader only in conjunction with the support of a competent financial adviser who will help to identify the suitability of any products or services as well as explain the implications of any information discussed on the website. A reader who takes action without the support of one of our advisers, is therefore doing so at that reader’s own risk.
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Dr Sjarlene
Thom CFP®


BA, BA Hons (English); Secondary Teacher’s Diploma (STD); BA Hons (Latin); BA Hons (Greek); MA (Latin); DLitt (Greek); Post Graduate Diploma in Financial Planning (US); CFP®, General Tax Practitioner (SA)™.


Sjarlene has taught at Stellenbosch University for many years. She served as a member of the University council, was a trustee of the University provident fund (USAF) and member of the University committee for medical aid and insurance. Professionally she came late to the financial planning environment, but the enthusiasm for numbers and matters financial has always been there. She has joined the Finfocus team initially as advisor in 2013. Most recently she has shifted her focus to administrative support for Finfocus management. As part of Finfocus X-tra Client Services outreach she is available to help with administrative assistance also to clients. She is passionate about getting the job done, whether to provide regulatory documentation or as general support for management.

Sjarlene is married to Johan Thom and they have two children, Mia and Niël. The family enjoys cooking together, with some members being more gifted in this direction than others. Sjarlene loves reading, travelling, entertaining and walking.



Antoinette has more than 30 years’ experience in the life assurance industry. She spent the first 28 years with corporates and the past two at independent financial adviser firms.

Her past experience at large life assurers has given her valuable insight in how to deal with product providers, financial advisers and clients. She has a passion for client service and it is key to her to deliver such good service that clients will always remember it.

She is the mother of two and the grandmother of three.