Our Services
Custom Financial Planning
We are dedicated to providing a full suite of wealth advisory and financial planning services designed to help you achieve financial security and growth. Whether you’re an individual, a family, or a business, our goal is to craft tailored solutions that align with your unique objectives, risk tolerance, and future aspirations.
Local & Offshore
Our Services
Whether you’re an individual, a family, or a business, our goal is to craft tailored solutions that align with your unique objectives, risk tolerance, and future aspirations.
Comprehensive Financial Planning
We offer personalized financial planning that encompasses every aspect of your financial life. Our advisors work with you to understand your goals and create a roadmap for achieving them.
Investment Advisory & Management
Our investment services are designed to build, grow, and preserve your wealth through carefully crafted investment strategies that reflect your objectives and risk tolerance.
Retirement Planning & Management
Securing a comfortable retirement requires careful planning and strategy. Our retirement services ensure that you are financially prepared for the future
Local & Offshore Investment Solutions
In a globalized financial environment, we help clients diversify their investments both locally and internationally to optimize their portfolios.
Product range
Providing access to local and global markets and offshore investment vehicles that may offer greater diversification, growth potential, and tax advantages
Our Advisory and Intermediary services product range:
- Discretionary managed Share portfolios
- Unit Trust funds
- Exchange Traded Funds (ETFs) / Index funds
- Pension, Provident and Preservation Funds
- Retirement Annuities
- Living Annuities & Life Annuities
- Endowments and Sinking Funds
- Tax-Free Saving Accounts
- Death cover: Whole Life Insurance and Term Life Insurance
- Structured Deposits (Investments with Protection)
- Income protection
- Disability Plans
- Critical Illness Cover
- Business Assurance: Buy-and-sell Policies and Agreements
- Business Assurance: Contingent Liability
- Business Assurance: Key person Cover
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.
Government employees: Retire or 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 Planning
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.
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
Why Independent Advice matters
Independent financial advice can offer numerous benefits, particularly if you’re seeking a customized approach to managing your finances.
Here are some key advantages:
Independent advisors are not tied to any particular financial products or companies, which means our advice is unbiased and focused on your best interests rather than on selling specific products.
Since independent advisors don’t have a predetermined set of products to offer, we can create financial plans and strategies that are specifically tailored to your unique situation, goals, and preferences.
We have access to a broad range of financial products and services from various providers, allowing us to recommend options that best fit your needs rather than being limited to a specific company’s offerings.
Independent advisors can provide a holistic view of your financial situation, considering all aspects such as investments, taxes, insurance, estate planning, and retirement. This comprehensive approach can help in developing a more cohesive financial strategy.
Independent advisors often offer a higher level of personalized service. We are more likely to build a long-term relationship with you, understand your specific needs, and adjust our advice as your circumstances change.
Because our primary aim is to act in your best interest, independent advisors we are more focused on helping you achieve your financial goals rather than pushing particular products or services.
We can provide more flexible service arrangements and adapt more quickly to changes in your financial situation or goals.
The objective nature of our advice and the transparency in our compensation can foster a higher level of trust, as you can be more confident that our recommendations are genuinely in your best interest.
Independent advisors often adhere to rigorous regulatory standards and ethical practices, which can provide an added layer of reassurance regarding the quality and integrity of the advice you receive.