WE Offer you a refreshingly simplified approach to financial advice

In finance, we’re very good at confusing you with jargon.

Your financial plan will still include all the ‘jargon’ you hear all the time (and only if you need it) – but the process will be personal, unique and must resonate with you for us to have done a good job.

PERSONAL FINANCE ROADMAPS. YOU DECIDE. WE ENABLE... WHAT DOES FINANCIAL MANAGEMENT MEAN TO YOU?

The bottom line is that financial planning is a bespoke look at your money; your lifestyle; your hopes and your dreams and distilling this all into a workable plan to meet these goals.

It isn’t just about saving as much as you can (although that is always good) – it is more about structuring what you have to get you to where you want to go - financially.

BUILDING WEALTH. YOUR WAY, FOR YOUR FUTURE

Compulsory savings, or pension funding, is savings in your pension, preservation or retirement annuity funds. All South Africans must save for retirement because our state doesn’t look after you into old age. To make this viable you need to look at your needs and capital available and make sure enough is being saved and grown now to take care of retirement.

All other savings, known as discretionary savings, are your after-tax savings which may be for a goal like a holiday, a home or education or maybe longer term or for a contingency. This also includes off¬shore investing.

PROTECTING YOURSELF FROM RISK AND PLANNING YOUR ESTATE

Risk covers life insurance, dread disease cover, disability, income protection, medical aid, short term insurance etc. Basically, your insurance to guard against unforeseen events.

A valid and well thought out Will allows you to make sure that the people whom you’d like to inherit from you actually do and that you don’t pass on intestate.

Estate Planning - as soon as your estate exceeds R3,5m you will become liable for Estate Duty at death. You need to structure your estate to pay as little estate duty as possible as well as making sure you have enough liquid cash in your estate to pay the tax due at death.

WE Offer you a refreshingly simplified approach to financial advice

PR-FS financial
In finance, we’re very good at confusing you with jargon. Your financial plan will still include all the ‘jargon’ you hear all the time (and only if you need it) – but the process will be personal, unique and must resonate with you for us to have done a good job.

PERSONAL FINANCE ROADMAPS. YOU DECIDE. WE ENABLE... WHAT DOES FINANCIAL MANAGEMENT MEAN TO YOU?

PR-FS financial
The bottom line is that financial planning is a bespoke look at your money; your lifestyle; your hopes and your dreams and distilling this all into a workable plan to meet these goals.

It isn’t just about saving as much as you can (although that is always good) – it is more about structuring what you have to get you to where you want to go - financially.

BUILDING WEALTH. YOUR WAY, FOR YOUR FUTURE

PR-FS financial
Compulsory savings, or pension funding, is savings in your pension, preservation or retirement annuity funds. All South Africans must save for retirement because our state doesn’t look after you into old age. To make this viable you need to look at your needs and capital available and make sure enough is being saved and grown now to take care of retirement.

All other savings, known as discretionary savings, are your after-tax savings which may be for a goal like a holiday, a home or education or maybe longer term or for a contingency. This also includes off¬shore investing.

PROTECTING YOURSELF FROM RISK AND PLANNING YOUR ESTATE

PR-FS financial
Risk covers life insurance, dread disease cover, disability, income protection, medical aid, short term insurance etc. Basically, your insurance to guard against unforeseen events.

A valid and well thought out Will allows you to make sure that the people whom you’d like to inherit from you actually do and that you don’t pass on intestate.

Estate Planning - as soon as your estate exceeds R3,5m you will become liable for Estate Duty at death. You need to structure your estate to pay as little estate duty as possible as well as making sure you have enough liquid cash in your estate to pay the tax due at death.

WHO WE WORK WITH

We are independent advisors so we can work with whomever we feel is best for you.
Below is the list of current preferred providers with whom we have contractual relationships.
Investec PRFS
Old Mutual Wealth PRFS
Momentum prfs
legacy-fiduciary-services PRFS
Sanlam-wealth PRFS
OM International PRFS
nedgroup investments PRFS