Guy Carosin

A wealth manager who believes everyone deserves a real financial plan

I'm Guy Carosin, a qualified wealth manager based in Bryanston, Johannesburg. I work at KM Wealth Management helping clients across South Africa build, protect and grow their wealth through personalised financial planning.

With over a decade in financial services, I've sat across the table from hundreds of South Africans at every income level. The pattern I see is consistent: most people are hardworking, financially aware, and genuinely want to do the right thing with their money. They just don't know where to start, or they're overwhelmed by jargon, products and conflicting advice.

That's what The Planner Guy is about. I created this platform to bridge that gap, to offer clear, practical, South Africa-specific financial education and tools that anyone can pick up and use immediately. No jargon. No pressure. No sales pitch. Just the fundamentals that make a real difference.

What I believe about money

Great financial planning isn't about picking the right stock or timing the market. It's about having a clear picture of where you are, a realistic goal for where you want to be, and a consistent plan to get there. Most people don't need complex strategies. They need clarity and consistency.

The single most powerful wealth-building tools available to South Africans (TFSAs, RAs, proper budgeting, early investing) are also the simplest. I'm passionate about making sure every South African knows how to use them.

The products I've created

Every downloadable tool on this site was designed to solve a real problem I see repeatedly in my practice: people who need a retirement checklist, a budget that actually works, an estate plan that won't leave their family in chaos, or a guide to investing that explains it in plain English. These documents are published under The Planner Guy, carry full disclosure of my FSP affiliation, and are built to the same standard I hold myself to as a professional.