Solutions
OUR SOLUTIONS
Tailored Professional Packaged Financial Solutions
The categorisation below indicates the expected service level delivery to our clients and is reviewed annually.
| CATEGORY | FINANCIAL ADVICE | REVIEW | COMMUNICATION | EDUCATIONAL MARKETING | FINANCIAL NEEDS ANALYSIS |
|---|---|---|---|---|---|
| BRONZE | SIMPLIFIED | ANNUAL X 1 | ANNUAL X 2 | PRODUCT SPECIFIC | |
| SILVER | STANDARD | ANNUAL X 2 | EMAIL / ZOOM | ANNUAL X 4 | SUMMARISED |
| GOLD | COMPREHENSIVE | ANNUAL X 2 | EMAIL / ZOOM / PHONE | ANNUAL X 6 | COMPREHENSIVE |
| PLATINUM | EXCLUSIVE & SPECIALISED | ANNUAL X 3 | IN PERSON / EMAIL / ZOOM | ANNUAL X 12 | SPECIALISED |
Estate Planning
Estate planning is an important part of your financial plan that cannot be overlooked. When it is done right it can reduce estate duty and ensure liquidity in your estate. Estate duty is a tax on the value of your estate (which includes property, investments and cash both within SA and abroad) after you die. These costs can run into the hundreds of thousands or even millions, but a good independent financial adviser can help you manage this. The reality is that if you have dependents and you die without planning for this, you put their financial future at risk.
Retirement Planning
Retirement is rediscovering life and navigating it with financial peace of mind. The reality is that retirement planning is not something most of us want to think about, let alone talk about. It means we have to think about getting older, not being able to work, becoming frail and ultimately dying. But the topic of money is no longer taboo, and we should speak about it. The narrative is ours to change. Saving for retirement is not exciting or gratifying right now. It does not give you the thrill of a new sports car. It does not provide you with great content for your Instagram feed. But what it will do is ensure that you can still live as a financially independent individual when you stop working.
Asset Protection
Asset protection is the adoption of strategies to guard one’s wealth. Asset protection is a component of financial planning intended to protect one’s assets from creditor claims. Creating wealth is not easy, so protecting it should be a top priority. Asset protection can be beneficial regardless of an individual’s age, health, or wealth. The goal of an asset protection is to put a degree of legal separation between you and your assets.
Wealth Creation
Wealth creation refers to building wealth through a variety of methods using financial products. It will provide you with money to fulfil your future goals. It offers a steady flow of income even when you are no longer employed or working. This can be a great way to ensure financial liquidity and help your loved ones to continue to live a life of comfort, abundance, and security. Retirement can be a challenging phase with increasing medical and daily expenses. However, with wealth creation, you will never experience a financial crunch and be independent for as long as you live.
Risk Planning
While you cannot predict too many things with certainty when it comes to financial planning, you can be sure that there will always be one thing: risk. Although it may never go away, there are steps and decisions you can make to introduce more risk management in personal financial planning to help you to mitigate and reduce the role that it plays in shaping your future. Understanding risk management in personal financial planning can be complex and constantly changing, but, fortunately, you don’t have to face these challenges alone. A financial adviser can help you make the best decision, limit the amount of emotion in the decision-making process, and help you to identify how much risk you are willing to accept given the potential gains.
Investment Planning
Investment planning is an important component of a holistic financial plan. The purpose of investing is to put your money to work with the goal of building wealth over time. To capitalize on investment opportunities, risk tolerance and time horizon are important considerations. Working with a trusted partner to implement a cohesive investment strategy is essential to assist investors on the different objectives of investment planning, and these include: Safety, Income, Growth of Capital, Tax Minimization and Liquidity.
Financial Needs Analysis
Your Roadmap to Financial Freedom. An FNA is not just a tool; it’s a comprehensive strategy that evaluates your financial situation from all angles. It involves a detailed examination of your income, assets, liabilities, and expenses juxtaposed with your financial goals. It provides a clear snapshot of where you currently stand financially and outlines a tailored path to achieve your aspirations, including buying a home, saving for retirement, or setting up an educational fund. The goal is to identify your current financial status and lay out a strategic plan. The true power of an FNA lies in its ability to project future financial scenarios.
Succession Planning
One of the biggest misconceptions is that estate planning and succession planning are one in the same. Succession plans are critical to the sustainability of a business. It is the strategy that will enable it to continue to operate smoothly and effectively as it is passed onto future generations, partners, or successor owners. Estate planning relates to all the assets in an individual’s estate including any ownership interests in closely held businesses. Without consideration of a complete plan that includes both a succession plan for the business and an estate plan, serious financial and emotional consequences can affect your family business.
