Our Services
You can expect that we will consistently and responsibly perform all services related to the provision, review, and ongoing monitoring of the financial planning solutions we implement on your behalf.
SAVINGS & INVESTMENTS
It is important to remember that starting to save earlier in your life increases your chance of accumulating significant wealth due to the long-term effect of compound interest.
Simply putting your money into a savings account, however, won’t benefit you very much at all.
The magic of compound interest is eroded by inflation in typical savings accounts, but can be optimised when using any of a variety of different investment vehicles that are available on the market today.
With competitive interest rates and cost structures, you will be able to accumulate your wealth in a steady and secure manner.
Keep in mind that the interest you pay on debt (such as credit cards), is far higher than any return you will get in an investment and so it is of utmost importance to ensure that your debts are paid off as quickly as possible so that you can start saving effectively.
Here is what Mark Cuban, a billionaire entrepreneur, and investor has to say about credit cards and debt
“Credit cards are the worst investment that you can make. The money I save on interest by not having debt is better than any return I could possibly get by investing that money in the stock market.”
RETIREMENT PLANNING
Retirement is one of the most important and monumental life events that many of us will experience. Ensuring that you will have a comfortable retirement is an extensive process that requires sensible planning and years of persistence, even after you retire!
According to the Wall Street Journal, the top financial regret is not starting to save earlier for retirement.
Retirement is one of the most important and monumental life events that many of us will experience. Ensuring that you will have a comfortable retirement is an extensive process that requires sensible planning and years of persistence, even after you retire!
Just thinking about all the complexities and time required in building a successful retirement plan may be daunting for most – and quite understandably so!
This is why you need an independent financial advisor; we do the homework for you, take your goals into consideration along with your budget and offer you a strategy that only requires your longterm commitment to saving in order to ensure your comfort in your golden years.
WILLS & RELATED SERVICES
The reality is that all of us will die and that we have no idea when that might happen. Having a well-planned will in place will help to ensure that your family is provided for and that all assets and financial implications are taken care of in a timely manner.
The reality is that all of us will die and that we have no idea when that might happen. Having a well-planned will in place will help to ensure that your family is provided for and that all assets and financial implications are taken care of in a timely manner.
Your will dictates how your estate is divided amongst beneficiaries, appoints an executor of your estate and can even be used to found a trust for under-aged beneficiaries. It is important to remember that you can appoint nearly anyone as executor of your estate – your broker, a bank, a lawyer, friend or family member – as long as they are not a beneficiary on your will.
LIFE, SHORT-TERM & RISK INSURANCE
As difficult as it may be to think about, this is exactly the kind of question you need to ask yourself when planning for life cover. Life cover ensures that, if you die, your loved ones will have the necessary funds to pay off any debts and continue to live..
Have you ever wondered what will happen to your loved ones if you aren’t around anymore?
As difficult as it may be to think about, this is exactly the kind of question you need to ask yourself when planning for life cover. Life cover ensures that, if you die, your loved ones will have the necessary funds to pay off any debts and continue to live comfortably while they adjust to their new circumstances.
You can get lump sum life cover or even ensure that a loved one receives an income for a period of time after you have passed away so that, in your absence, they can still meet their needs on a daily, weekly and monthly basis.
Here are a few more reasons why having life insurance is so important:
- To ensure your family/loved ones have financial security in your absence
- To leave an inheritance
- To pay off debts and other expenses
- To bring peace of mind
Your ability to earn an income is your single greatest asset.
Without an income most of us would have trouble making ends meet for an extended period of time – we’d incur debt and exhaust our savings and hopes of a comfortable retirement would be lost.
The ability to earn an income is the foundation of everything you want to do (financially) for the rest of your life; it helps you build a comfortable retirement and should help to pay for protection in case of becoming disabled.
Disability insurance offers you peace of mind that, if you become disabled and can no longer earn an income, you will receive a lump sum amount to help you cover debts, make the necessary lifestyle adjustments for your situation and help take care of your loved ones.
Severe Illness Insurance (Lump Sum).
Contracting a serious illness or disease can be devastating – both to your health and to your finances. Critical illness insurance provides a lump-sum payment when diagnosed with diseases including: diseases including:
- stroke
- heart attack
- cancer
- paralysis
- the need for an organ transplant
- blindness
- disability
Critical illness insurance provides you with money that can be used for a variety of unforeseen expenses. Here are a few examples:
- It can also be used to pay for treatments not covered by your medical aid
- It can be used for transportation expenses, such as getting to and from treatment centres, retrofitting vehicles to carry scooters or wheelchairs and installing lifts in homes for critically ill patients who can no longer navigate staircases
- Terminally ill patients, or those simply in need of a restful place to recuperate, can use the funds to take a vacation with friends or family.
Income protection has become one of the most critical and necessary forms of insurance available on the market today. Your ability to earn an income is your greatest asset and must be protected at all costs – this is what income protection offers.
Income protection ensures that if you are unable to work for a certain period of time (or permanently), you will receive a monthly income from the insuring company.
This covers various scenarios from becoming disabled temporarily in a car accident, to permanent disability and even being hospitalised or booked off from work for extended periods of time due to illness.
We live in uncertain times and hear about robberies, hijackings and petty crimes on a daily basis, begging the question: Can you afford not to have short-term insurance?
“A short-term insurance policy allows you to protect your valuables against an unexpected loss that you may not be able to afford,” Willem Smith, Chief Executive of iWYZE valuables insurance.
To put it simply, short-term insurance allows you to tell your insurance company what you want to protect and at what value.
The insurance company will then calculate how much it will cost for them to bear the burden of the risk of something going wrong.
ESTATE PLANNING
& ANALYSIS
Estate analysis and planning is the core of quality financial advice. Each of us has an estate, whether it is a cell phone, car, house or investment. Most of us also have liabilities or debt such as credit card debt, a mortgage or a personal loan.
Estate analysis and planning is the core of quality financial advice.
Each of us has an estate, whether it is a cell phone, car, house or investment. Most of us also have liabilities or debt such as credit card debt, a mortgage or a personal loan. Estate planning and analysis takes the following key points into consideration:
- Estate liquidity
- Debt provision
- Capital provision
- Wills
- Trust planning
It goes without saying that estate planning and analysis is a complicated matter, which is why you should ask your independent financial advisor for advice and assistance in ensuring that it is done correctly.
MEDICAL AID
SERVICES
Medical aid protects you and your family financially in the event of an unexpected serious illness or injury. People with medical aid are also more likely to receive routine and preventative care, helping to ensure their long-term health and wellness.
No one plans to get sick or involved in an accident, but the possibility of that happening is an unfortunate reality that simply cannot be ignored.
Medical aid protects you and your family financially in the event of an unexpected serious illness or injury. People with medical aid are also more likely to receive routine and preventative care, helping to ensure their long-term health and wellness.
Have Any Questions?
We’re here to help you, always! Let’s chat one on one & help find your solution