Financial Planning

Services

Investment Planning

End-to-end portfolio planning pertaining to: 

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  • 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...

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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 ...

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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:

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  • 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 ...

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  • 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...

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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:


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

Retirement Planning

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

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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...

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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