Financial Planning

Services

Investment Planning

End-to-end portfolio planning pertaining to: 

  • Discretionary savings
  • Tax-free savings
  • Pre- and post-retirement portfolios
  • Direct offshore portfolios
  • Education savings
  • Ad-hoc savings goals
  • Direct securities
  • ETF portfolios
  • Endowment policies
  • Currency and forex transactions
  • Equity structured products

Tax Planning

With a birds-eye view of your financial situation and an understanding of your tax sources...

we can optimise your tax spending through the following services:

  • Tax planning and structuring
  • Tax-efficient investing

Estate Planning

The estate management process starts with an individual deciding how their assets ...

and custody of their (minor)  children will be managed in the event of death/incapacity. We assist you with:

  • Drafting your last will & testament
  • Trust considerations
  • Outlining your funeral wishes
  • Executorship

*Please note estate planning services are not regulated by the FSCA

Administration & Intermediary Services

We do broad administration and implementation. Our selection of services include:

  • Updates to your financial plan/portfolio
  • Consolidating tax information
  • Enhanced performance reporting
  • Instruction tracking
  • FAIS and FICA compliance
  • Portfolio reports, valuations and re-balancing
  • ForEx services
  • Record maintenance

Risk Management & Long Term Insurance

Effective risk management enables us to handle unpredictable events in life ...


  • Life Insurance
  • Disability Cover
  • Income Protection
  • Critical Illness Cover

Asset & Liability
Planning

The purpose of this service is to reduce financial risks caused by a mismatch of your assets and liabilities...

The aim is to help you improve the profitability of your portfolio by strategically matching assets and liabilities while taking common risk factors like interest and liquidity into account.


  • Setup of Debt Paydown Strategies
  • Property Investment Evaluation
  • Income and Expense Matching

Financial Coaching

We provide general financial consulting and discussion on topics such as:


  • Budgeting
  • Emergency Fund Planning
  • Cash Flow
  • Life Altering Events
  • Etc.

Retirement Planning

We help you set and achieve your retirement goal by ...

structuring a plan of saving, investing, and distributing money to sustain yourself in retirement.

  • Pre- and Post Retirement Planning
  • Retirement Asset Preservation
  • Retirement Annuity
  • Pension and Provident Fund Creation
  • Annuity Creation (living-, life- and combined-annuities)

Research & Development

We do continuous research into the market and financial products available to you...

This means we can always provide detailed and independent asset allocation and investment strategies.
From a compliance perspective, monitoring legislation and carrying out product and provider due-diligence investigations is vital.

Service Scope

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Basic Administration
& Intermediary Services

  • Administrative maintenance
  • Instruction tracking
  • FAIS and FICA compliance
  • Consolidation of
    tax information
  • Portfolio reporting
  • Valuation statements
  • Demographic changes
  • Error corrections
  • Forex services
  • Record maintenance
  • Quoting
  • Comparisons
  • Provision of factual information
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Ongoing Financial Planning & Advisory Services

These services are related to all of the underlying financial planning and advice components, generally they include:

  • Maintenance and amendments to your financial plan
  • Portfolio/investment re-balancing
  • Income revisions for retirees
  • Review meetings & progress reporting
  • Additional financial planning/advice needs
  • Analysis and projections
  • Investment/product/structure research
  • Tax planning and structuring
  • Maintaining budgets and cash-flow plans
  • Discussion of tax implications
  • Property investment evaluation 
  • Debt to asset analysis 
  • Maintaining of wills
  • Bias management
  • Behavioural finance considerations
  • Support with life altering events that have a financial impact
  • Due-diligence investigations

*Please note estate planning services are not regulated by the FSCA

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