Welcome

"If you limit your choices only to what seems possible or reasonable, you disconnect yourself from what you truly want, and all that is left is compromise."

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A Financial Planner  is someone who uses the financial planning process to help you figure out how to meet your life goals.  The planner can take a “big picture” view of your financial situation and make financial planning recommendations that are right for you.

The planner can look at all of your needs including budgeting and saving, taxes, investments, insurance and retirement planning.  Or, the planner may work with you on a single financial issue but within the context of your overall situation.  This big picture approach to your financial goals sets the planner apart from other financial advisers.

Retirement

For many of us, saving for our retirement represents the single largest investment we will ever make, and the transition to retirement will be the most momentous life changing event we will experience.  Who is in charge of this important aspect of our life and future?  

We, ourselves are, of course!

Medical Aid

Need a medical aid or hospital plan or paying too much for your current medical aid fund?

In a rapidly changing environment ongoing evaluation of medical aid schemes has become imperative to ensure that optimum benefits are available to all.

Estate Planning

An estate plan paints a blueprint of your financial portfolio and puts measures in place to secure your estate. It takes into account things such as your income, expenses, liabilities and assets. Just as it is important to balance your checkbook every month, it is equally important to ensure a favorable balance of assets in your estate at death.

Your estate plan can ensure protection of your assets from unnecessary & administrator’s charges which may save your heirs a great deal!

Holistic approach to manage your financial affairs.

Insurance

• Bond Cover
• Business Assurance (Buy & Sell, Key Man)
• Disability protection
• Provision for liquidity in your Estate
• Cost analysis
• Portfolio consolidations
• Inheritance

Investments

• Pension & Provident Funds
• Retirement Annuities
• Unit Trusts
• Endowments
• Income Plans & Annuities
• Guaranteed investments
• Development of Investment strategies
• Ongoing management

Medical Aid

• Comprehensive or Hospital
• Individuals and Businesses
• Annual reviews

Financial Planning

• Estate Planning
• Budgetting
• Wills

The process

The personal financial planning process is generally accepted as a six-step process as follows:

Step 1: Setting goals with the client

This step (that is usually performed in conjunction with Step 2) is meant to identify where the client wants to go in terms of his finances and life.

Step 2: Gathering relevant information on the client

This would include the qualitative and quantitative aspects of the client's financial and relevant non-financial situation.

Step 3: Analysing the information

The information gathered is analysed so that the client's situation is properly understood. This includes determining whether there are sufficient resources to reach the client's goals and what those resources are.

Step 4: Constructing a financial plan

Based on the understanding of what the client wants in the future and his current financial status, a roadmap to the client goals is drawn to facilitate the achievements of those goals.

Step 5: Implementing the strategies in the plan

Guided by the financial plan, the strategies outlined in the plan are implemented using the resources allocated for the purpose.

Step 6: Monitoring implementation and reviewing the plan

The implementation process is closely monitored to ensure it stays in alignment to the client's goals. Periodic reviews are undertaken to check for misalignment and changes in the client's situation. If there is any deviation or significant change to the client's situation, the strategies and goals in the financial plan are revised accordingly.