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Today, almost any financial question can be typed into a search bar. Within seconds, you can find articles, videos and calculators covering everything from investing and retirement to insurance and estate planning.
With so much information available, it is reasonable to ask: Do I still need a financial advisor?
The answer lies in the difference between accessing information and knowing how to apply it to your own life.
Market declines can feel very different when you are living through them.
Headlines become more urgent, uncertainty rises, and watching investment values fall can create a strong temptation to react. Yet history provides valuable perspective: significant market declines have often been followed by meaningful recoveries.
The timing has varied considerably, from a matter of months to several years, reminding us why perspective matters when markets become uncertain.
Financial planning is often associated with numbers.
How much you earn.
How much you save.
How much you invest.
How much you will need for retirement.
These numbers are important, but they only tell part of the story. The real value of a good financial plan is not simply the amount of wealth you accumulate. It is the ability to make important decisions with greater confidence when life changes.
Because life rarely follows a perfect financial plan.
Careers change. Families grow. Businesses experience difficult periods. Markets fluctuate. Unexpected expenses arise. Retirement may look different from what you originally imagined.
A thoughtful financial plan cannot remove these uncertainties, but it can help you prepare for them.
Read More.
July 2026
When people think about financial success, they often picture wealth – luxury homes, expensive cars, overseas holidays, or a substantial investment portfolio.
But wealth and financial security are not the same thing.
In fact, someone with a high income or significant assets can still experience financial stress, while someone with a more modest income may sleep soundly knowing their financial future is on track.
Understanding the difference can change the way you think about money.
June 2026
Francois Ellis was op 29 Junie 2026 te sien op Die Groot Ontbyt op kykNET, waar hy gesels het oor finansiële beplanning. Sy uitnodiging na een van Suid-Afrika se gewildste oggendprogramme getuig van die vertroue in sy kennis, ervaring en passie om mense met hul finansiële toekoms te help.
Klik hierbo om die volledige onderhoud te kyk en ontdek waarom al hoe meer individue, gesinne en besighede hul finansiële beplanning aan House of Ellis toevertrou.
June 2026
At House of Ellis, our journey has always been built on relationships, trust, and a genuine commitment to helping people create greater financial certainty for themselves and their families. Over the years, we have had the privilege of working alongside hundreds of schools, educators, and education professionals across South Africa, providing guidance that helps individuals navigate important financial decisions with confidence.
Today, we are excited to announce an important milestone in our journey: House of Ellis is officially expanding its presence into the Western Cape.
Read More.
Staying Focused When Markets Become Uncertain
May 2026
Every year, South Africa’s national budget introduces changes that can influence how individuals save, invest and plan for the future.
Staying Focused When Markets Become Uncertain
April 2026
From time to time, global events create uncertainty in financial markets.
Recent geopolitical tensions and rising oil prices have reminded investors how quickly markets can react to developments around the world. These events often lead to short-term volatility as investors reassess inflation expectations, interest rates and economic growth.
While these periods can feel unsettling, they are not unusual. Markets have always moved through cycles of uncertainty and recovery.
For long-term investors, the key question is not what is happening in the news today, but rather:
What should I do to protect and grow my investments over time?
Celebrating Excellence
March 2026
At the end of February 2026, Old Mutual took a moment to celebrate excellence, and what a moment it was.
Among the highlights of the evening was a truly exceptional achievement: Francois was named Champion of the Region, officially earning the title of #1 Financial Advisor in the region for Old Mutual. In an industry built on trust, performance, and long-term relationships, this recognition is no small milestone. It represents not just numbers on a leaderboard, but years of discipline, resilience, and an unwavering commitment to clients.
A Night of Celebration.
A Journey of Commitment.
February 2026
Some evenings are about trophies.
Others are about the journey it took to get there.
This season brought both.
Yes, it was an awards ceremony. But more than that, it was a celebration of years of dedication, discipline, and an unwavering commitment to serving clients well.
New Year, New Financial Resolutions: The Essentials You Shouldn’t Ignore
January 2025
A new year naturally brings fresh goals, renewed motivation, and a sense of possibility. We set intentions for our health, careers, and relationships, but too often, our finances are left on autopilot.
At House of Ellis, we believe the start of the year is one of the most powerful moments to reset, review, and realign your financial plan. Not with drastic changes, but with smart, intentional decisions that protect your future and give you peace of mind.
Here are the key financial resolutions we encourage every South African to consider this year.
October 2025
Make Your Tax Rebate Work for You: Smart Ways to Turn a Refund into Real Growth
You’ve submitted your taxes (well done!) and just received that SMS from SARS says: “Refund due.”
It’s easy to think of a tax rebate as “free money”, but in reality, it’s your hard-earned cash coming back to you. The real question is: what will you do with it this time?
Here’s how financially savvy South Africans are turning their tax rebates into real, lasting benefits, and how you can too.
October 2025
Educators!
Are you considering Early Retirement or the Voluntary Exit Plan?
Do you qualify? Do you know what it entails?
If you haven’t watched my video on social media yet — where I unpack the key points you need to know — head over to Facebook or Instagram to check it out.
Whether you’re still deciding or already planning your next steps, I’m here to help — from making the decision to preparing for your pension.
Need the application forms?
Download them here:
ERP and VEP Application Form,
Flowchart for ERP and VEP Don’t go through this alone — reach out if you need advice or support!
Call me on 084 811 9596
Or send me a WhatsApp on 081 862 7617 / 071 606 870.
October 2025
We’re proud to celebrate another outstanding achievement by Francois Ellis: ranked #1 both regionally and nationally in Old Mutual’s Advisor Rankings for Week 40. This is not a once-off success. Francois has been consistently recognised throughout the year, a reflection of the trust he’s earned, the results he’s delivered, and the dedication he shows to every client.
These rankings aren’t just about numbers, they’re about people. Behind every award is a client who now feels more secure about their retirement, more confident in their investments, or more prepared for life’s unexpected turns. Francois’ commitment to personal service, deep financial insight, and future-focused planning continues to deliver real value, and our clients are the ones who benefit most.
October 2025
Willie's Wake Up Call
The Myth of Being Too Young
When you’re young, healthy, and building your life, serious illness feels like something that happens to other people. You’re starting a career, planning your future, maybe building a family. You’re focused on growth, ambition, and momentum, not a health crisis. But the truth is: illness doesn’t wait for you to be older or ready. It shows up without warning.
Speak to an accredited Old Mutual adviser today. Get the cover that fits your life, not just your age. Because your health might be unpredictable, but your protection doesn’t have to be.
August 2025
Back-to-Back #1 Rankings for Francois Ellis!
We’re proud to share that Francois Ellis has once again achieved the highest honours at Old Mutual’s prestigious Aviator Dinner – ranking:
#1 Regionally
#1 Nationally
Read More.
July 2025
Don’t Coast to the Finish Line: Why Your Last Pension Years Matter Most
Let’s be honest — when you’re five or ten years away from retirement, it’s tempting to ease off the gas. Maybe the house is nearly paid off. The kids are (finally) financially independent. And after decades of working and saving, you’re thinking: Surely I’ve done enough by now?
Not quite.
At House of Ellis, we’ve seen time and time again how the final years before retirement aren’t just important — they’re often the most financially powerful years of your entire pension journey. And if you’re still actively contributing to a retirement annuity or pension fund, these years can make the difference between a comfortable retirement and a confident one.
Here’s why.
(And Why We Think It’s Worth a Look)
At House of Ellis, we’re constantly on the lookout for smart financial products that balance long-term value with real-world flexibility—because let’s be honest, life rarely goes according to plan. So when Old Mutual announced a limited-time boost to their Max Optimal Retirement Annuity Plan, we took notice.
May 2025
Francois Ellis Ranks #1 Nationally and Regionally with Old Mutual
We’re thrilled to share that Francois Ellis has achieved the #1 ranking nationally and regionally according to Old Mutual’s latest performance results.
This incredible accomplishment is a testament to Francois’s dedication, expertise, and the trust he has earned from clients across South Africa. His commitment to excellence in financial planning and wealth guidance continues to set new standards in the industry.
Congratulations, Francois – a true leader in financial services.
May 2025
In a financial world full of noise, hype, and uncertainty, it’s easy to feel overwhelmed when planning for your future. That’s where House of Ellis steps in—a financial advisory firm with a clear mission: to help clients grow and protect their wealth through strategic, trustworthy investment planning.
With over 16 years of industry experience, House of Ellis has guided thousands of clients toward peaceful retirements, stable growth, and lasting financial security. At the helm is Francois Ellis, whose philosophy blends practical wisdom with proven performance, offering a refreshingly grounded approach in today’s unpredictable markets.
April 2025
Buying a home can be an exciting yet overwhelming process. In fact, studies show that home buying is one of the most stressful life events, often ranking alongside job changes and major financial decisions. From finding the perfect house to securing the right financing, the journey is filled with crucial decisions. As someone who has recently gone through this process, I understand the challenges firsthand. Fortunately, with the right guidance, you can streamline your home-buying experience and make it as stress-free as possible.
March 2025
Francois has been consistently ranked among the Top 3 Advisors on the AFD Old Mutual Platform for the past 5 years and has received several awards for his achievements. Francois never disappoints, and he did it again! He received numerous awards during the 2025 awards ceremony for his outstanding performance in 2024
He received the following awards:
- No. 1 Risk Advisor.
- No. 1 AFD Regional Advisor.
Offshore Convention Winner 2025 to Portugal.
There are many financial advisors out there, but it’s important to ensure your financial planning is in the best possible hands. Being awarded as the No. 1 Risk Advisor, No. 1 AFD Regional Advisor, and Offshore Convention Winner with a trusted brand like Old Mutual is truly remarkable. It speaks volumes about the exceptional service, trustworthiness, and expertise you can expect.
To learn more about Francois’ qualifications, experience, and achievements, click here. To view a highlight video of the awards ceremony, click here.
February 2025
Unlock exclusive rewards with Old Mutual’s rewards program! By engaging with their financial products, you can earn points that lead to amazing discounts, vouchers, and unique experiences. Whether you’re saving for the future, investing, or using other Old Mutual services, the more you do, the more rewards you can earn.
You can use your reward points to:
- Shop for discounts at partner retailers, both online and in-store.
- Exchange points for vouchers, which can be used for travel, dining, or entertainment.
- Pay for financial services like life insurance premiums or retirement fund contributions.
- Get exclusive access to special offers or events, such as wellness programs or financial seminars.
The more you engage with Old Mutual’s services, the more points you can accumulate, creating opportunities for significant savings and rewards along the way.
We are proud to be part of Old Mutual and affiliated with Didimata, one of Old Mutual’s largest franchises.
Click the link below for a step-by-step guide on how to register for Old Mutual’s rewards:
January 2025
Investments can be a very uncertain place, especially when you have to navigate the murky and stormy waters on your own. This often leads to frustration, causing people to opt for the ‘safe’ route or fall into risky ‘investment schemes’ – like the Louis Liebenberg debacle.
It’s important to carefully consider the best options with reputable investment companies, regardless of what the market is doing or how ‘bad’ the country may seem to be. With the right advisor and a sound investment plan, you can still achieve returns above inflation.
I was fortunate in 2024. My investment strategy delivered a 17% return for my clients. As I always say, don’t put all your eggs in one basket. Diversification, diversification, and once again, diversification. It remains the key to a successful and prosperous investment journey.
Stay away from anything that sounds too good to be true, even if it’s in the mineral industry. You’ve worked hard for your money, so make sure it works for you—safely and with liquidity. I can make that happen for you. – Francois Ellis
8 Nov 2024
With over 16 years of experience, it is my passion to help and guide people with all aspects of their financial planning — whether it’s investments (local or international), retirement planning, pension funds, risk cover, and more. I am dedicated to providing the best possible knowledge and service to help clients achieve their dreams and desired outcomes. If this sounds like the kind of financial advisor you’re looking for, I invite you to contact me for a free consultation.
This November, we’re focusing on the most common cancers affecting men, both globally and in South Africa. It also raises an important question: Do you have illness insurance?
Read the following article for more insights on this topic.
The Two-Pot System: There is already early aftereffects and future criminal cases-this is shocking!
Educators suffering from depression is a serious concern.
October is Mental Health Awareness Month, and I want to use my knowledge to help ensure your financial affairs are in order.
I have assisted many educators, and I would like to support you as well.
Francois has been consistently ranked among the Top 3 Advisors on the AFD Old Mutual Platform for the past 5 years and has received several awards for his achievements. Francois never disappoints, and he did it again! He received numerous awards during the 2025 awards ceremony for his outstanding performance in 2024
He received the following awards:
- No. 1 Risk Advisor.
- No. 1 AFD Regional Advisor.
Offshore Convention Winner 2025 to Portugal.
There are many financial advisors out there, but it’s important to ensure your financial planning is in the best possible hands. Being awarded as the No. 1 Risk Advisor, No. 1 AFD Regional Advisor, and Offshore Convention Winner with a trusted brand like Old Mutual is truly remarkable. It speaks volumes about the exceptional service, trustworthiness, and expertise you can expect.
To learn more about Francois’ qualifications, experience, and achievements, click here. To view a highlight video of the awards ceremony, click here.