Independent Advice, Tailored Wealth
Professional & Personalized Independent Wealth Advice
Impartial Guidance in Managing your Wealth
At Pristine Wealth, integrity, transparency, and personalized service are at the heart of everything we do.
With decades of experience and a client-centric approach, we provide personalized wealth advisory and financial planning solutions. We partner with individuals, families, and business owners to maximize opportunities at every stage of their wealth journey. Our team of experts works closely with you to understand your vision, values, and financial circumstances, crafting tailored strategies that align with your long-term objectives. Leveraging expertise in investment strategy, estate planning, tax efficiency, and legacy creation, we focus on results that align with your goals.
We believe that wealth management is about helping you achieve your life’s goals, dreams, and aspirations. Whether you are looking to grow your wealth, plan for the future, or protect what you’ve worked hard to build, we offer a comprehensive suite of services designed to meet your unique needs.
As a trusted, unbiased wealth advisor, we offer personalized strategies that are not influenced by any product providers, ensuring that your financial plan is crafted to serve your best interests.
Our Services
Investment Structuring
We advise on creating customized investment portfolios based on your risk tolerance, time horizon, and financial objectives. Advising on the optimal mix of assets (stocks, bonds, real estate, etc.) to balance risk and reward. Regularly reviewing and adjusting investment strategies to ensure they align with changing market conditions and client goals.
Retirement Planning
We advise on how to save and invest for retirement, including recommending pensions, savings, and tax-efficient strategies. Many popular investment vehicles, such as individual Retirement Annuities and Pension Funds, allow retirement savers to grow their money with certain tax advantages. A Tax-free savings account (TFSA) is a convenient and flexible way to accumulate savings over time in a tax-efficient manner.
Government Employees Retire and Resign advice
When it comes to members of the Government Employees Pension Fund (GEPF) there is a great deal of misunderstanding around what happens to your pension fund should you elect to resign or retire as you are nearing retirement age. South African government employees have a choice between two options, namely retirement or resignation from government service. We do a full financial analysis with calculated comparisons to provide professional guidance to help government employees make an informed choice based on facts, as the option chosen will be irrevocable.
Tax Optimization
We provide advice on how to minimize tax liabilities through tax-efficient investments and strategic planning. Recommending investment approaches that help reduce the tax burden, such as tax-deferred accounts or tax-efficient funds. Offering advice on managing taxable events (capital gains & Income tax planning) and strategically switching or withdrawing funds to minimize tax liabilities.
Risk Cover
We assess your need for life insurance, income protection, disability, and severe illness to protect against unforeseen events. Recommending appropriate insurance products to protect against risks like illness, accident, and death.
Local & Offshore Investments
Offshore investing is not an end in itself. It forms part of an investment portfolio that has your needs and circumstances at its core. By combining local and offshore investment strategies, we can help clients create a more robust, diversified, and tax-efficient portfolio, designed to maximize long-term wealth while managing risks.
Retirement Management
Retirement is a time to enjoy and celebrate, not a time to stress about money. However, for many, the intricacies of pensions and a reduced income can cause worries. Nobody wants to make the wrong decisions, especially when they could significantly impact your financial future and involve your life savings. We provide you with the reassurance that you are looking for and will tell you whether you can afford to retire and if you have enough money to sustain your retirement.
Business Assurance
Business assurance safeguards you and your business from potential financial setbacks if a key member passes away, becomes disabled or suffers a critical illness. Buy and sell policies in the event of the death or disability of an owner or shareholder. Key person cover is designed to protect a company against when the key person passes away, is disabled or suffers a critical illness, the policy proceeds are payable to the employer. Contingent liability is a policy that can be taken out by the business on the life of the surety to provide the business with funding on the surety’s death, disability or critical illness to settle the loan. We also advise on Retirement Plans for Employees: Designing and managing retirement plans for business owners and their employees.
Estate Planning
Assisting clients in planning how to pass on wealth to heirs, including strategies for minimizing inheritance tax. Estate planning, simply put, is the process of arranging and managing your assets during your lifetime so that when you die, your estate is transferred in accordance with your wishes.
Financial guidance ensuring prosperity from one generation to the next
We guide you through the intricate world of finances, empowering you and your family to build a future that spans generations.
Custom Wealth Advice
Everyone’s financial journey is unique, marked by distinct challenges and opportunities that arise at different phases of your life and career. Each stage demands personalised financial strategies and solutions that cater to your specific circumstances and goals.
We aim to provide guidance and support that is sensitive to your varying needs, and we can help you navigate your financial journey with confidence and clarity.
Independent Financial Advice
We provide expert advisory services tailored to meet your financial goals. Our approach includes offering recommendations on a range of carefully selected products, designed to enhance and complement the solutions we offer.
We are not linked to any investment firm or life insurer. That means we are free to select the best possible product providers for your portfolio.
Independent Investment and Risk Advice
with access to multiple providers such as:
Investing isn’t about beating others at their game. It’s about controlling yourself at your own game
Benjamin Graham
