What we offer

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.

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

Broadly, we will investigate the following:
GROWTH & PRESERVATION OF WEALTH
PROTECTION
COMPULSORY SAVINGS (AKA PENSION FUNDING)
 This 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.

DISCRETIONARY SAVINGS (ALL OTHER SAVINGS)
This is 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 offshore investing both through using your allowance via a SARS tax clearance or investing in rand-denominated offshore funds.
RISK
This covers life insurance, dread disease cover, disability, income protection, medical aid, short term insurance etc. Basically, insurance to guard against unforeseen events.

YOUR WILL
A valid and well thought out Will allows you to make sure that the people whom you’d like to inherit from you 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 make sure you have enough liquid cash in your estate to pay the tax due at death.

We must understand your financial needs and lifestyle aims to build a plan with you. We are completely independent and provide a written financial plan including investment strategies which will meet your particular requirements and are in harmony with your attitude to investment risk. We’ll discuss all available financial planning solutions with you as well as talk you through costs and payment options.

What we offer

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.

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

Broadly, we will investigate the following:
GROWTH & PRESERVATION OF WEALTH
PROTECTION
COMPULSORY SAVINGS (AKA PENSION FUNDING)
This 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.

DISCRETIONARY SAVINGS (ALL OTHER SAVINGS)
This is 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 offshore investing both through using your allowance via a SARS tax clearance or investing in rand-denominated offshore funds.
RISK
This covers life insurance, dread disease cover, disability, income protection, medical aid, short term insurance etc. Basically, insurance to guard against unforeseen events.

YOUR WILL
A valid and well thought out Will allows you to make sure that the people whom you’d like to inherit from you 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 make sure you have enough liquid cash in your estate to pay the tax due at death.

We must understand your financial needs and lifestyle aims to build a plan with you. We are completely independent and provide a written financial plan including investment strategies which will meet your particular requirements and are in harmony with your attitude to investment risk. We’ll discuss all available financial planning solutions with you as well as talk you through costs and payment options.