Your money.

Your future.

Your terms.

Honest, plain-English financial advice for Gauteng professionals. Retirement planning, life cover, investments and wills — built around your life, not a product quota.

30Min free consult

★★★★★Client reviews

🏆Rookie of Year 2025

🏆

Rookie of the Year

Envestpro · 2025

FAIS Accredited

Envestpro Brokerage

Liberty Products

FSP No. 2409

Fourways, Gauteng

POPIA Compliant

What I do

Financial advice for every stage of your life

01 🏦

Retirement Planning

Retirement annuities, preservation funds and pension strategies tailored to where you are right now.

02 🛡️

Life & Disability Cover

Protect your income, your bond and your family if the unexpected happens.

03 📈

Investments

Unit trusts, tax-free savings and endowments — grow your wealth in a way that beats inflation.

04 📋

Wills & Estate Planning

The most important document you'll ever sign — made simple, clear and done.

About Judy

“I want to be the advisor I wish my parents had.”

— Judy Barrow, Your Money Affairs

Most South Africans make major financial decisions alone. Not because they’re not smart — but because nobody sat down with them and explained things clearly, without a sales pitch attached.

R2.4mAverage retirement
savings gap in SA

70%South Africans without
a valid will

30 minFree consultation
no obligation

100%Advice built around
you, not products

What clients say

Real people. Real results.

I was 38 with no retirement savings and completely overwhelmed. Judy sat with me for two hours and explained everything without making me feel stupid. I now have an RA, life cover, and my first TFSA.

Sarah M.

HR Manager, Sandton

I bought my first home at 29 and had no idea I needed life cover linked to my bond. Judy sorted everything out in one meeting. She's young, switched on, and genuinely cares.

Thabo N.

Engineer, Pretoria

Judy reviewed all my old policies, cancelled two that were wrong for my situation. I'm saving R1,400 a month and I'm better covered than before.

Nomsa M.

Teacher, Soweto

Free · No obligation · 30 minutes

Ready for an honest conversation about your finances?

No pressure. No product push. Just a clear, honest look at where you stand and what to do next.

Or start with a quick WhatsApp

💬 WhatsApp Judy

082 469 5995

Serving Gauteng

Local advice for Johannesburg & Pretoria

🏙️

Johannesburg

Sandton · Rosebank · Soweto · Midrand

🏛️

Pretoria

Centurion · Hatfield · Brooklyn · Menlyn

💻

Virtual

Anywhere in SA via Zoom or Teams

📱

Many clients start with a quick message

Get in touch

Book a Free Consultation

A 30-minute conversation that could change your financial future. No pressure. No sales pitch.

📧

judy.barrow@liblink.co.za

📞

Office

(011) 801 9800

💬

WhatsApp / Mobile

082 469 5995

📍

Address

Hammets Crossing Office Park, Fourways

Send a message

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Honest, plain-English financial advice for South Africans who want to build a future they’re proud of.

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judy.barrow@liblink.co.za

(011) 801 9800

082 469 5995 (WhatsApp)

envestpro.co.za

liberty.co.za

Liberty Group Ltd is an Authorised Financial Services Provider (Licence No. 2409) and part of the Standard Bank Group. Envestpro (Pty) Ltd (Reg. No. 98/020978/07) is affiliated to Liberty Group Limited. Building 809/1, Hammets Crossing Office Park, 2 Selbourne Avenue, Fourways.