HOLISTIC FINANCIAL PLANNING
Our holistic approach to your financial planning starts with a deep understanding of your vision and values. We do financial planning with one goal in mind – to bridge the gap between your future vision and your current financial reality. Because each person and situation is unique, we use our diverse knowledge to create a customised and personalised strategic financial plan for you.
Retirement planning starts long before retirement. We plan with our clients for the type of retirement that they have in mind. We then work out how much income they will need in retirement and calculate whether they have sufficient capital to afford this retirement. We also work with our clients to adapt their investment strategy, as they get closer to retirement. Once they have reached retirement, we are closely involved in ensuring that they earn enough income from their investments and that the income is paid in the most tax efficient way.
Planning for death is not easy. It requires addressing family dynamics. We help our clients understand what they want to achieve with their will and we help them do it in the most tax efficient way. We also ensure that there will be sufficient cash to execute the will. We work with legal advisors to ensure that our clients’ wills and trusts are enforceable and legally sound.
CASH FLOW PLANNING
Financial planning without cash flow planning is not financial planning. Even the wealthiest families need to define their cash flow requirements and plan for the most efficient withdrawal strategies. Cash flow planning is one of our strengths – we do not plan once and leave our clients – we continue to plan as taxes and needs change.
Taxes change every year. It is our role to see that our clients’ plans are tax efficient and their investment strategies make the best use of tax vehicles.
We believe that the planning phase of an investment strategy is the most important. We devise an asset allocation strategy based on our client’s needs and risk profile. Thereafter we recommend the best investment vehicles for each asset class.
After the initial financial planning process, we remain involved in the ongoing management of our clients’ assets. Our deep understanding of financial markets is a hallmark of our investment service offering. It helps to us select the best product providers for our clients. We offer a wide range of investment products ideally suited to the wealthy client. We are independent of any service or product provider and therefore our investment decisions are not influenced by commissions. We contract with the best investment managers to manage our clients money, so we can spend our time with our clients, where we can add most value.
Facilitating income payments from your cash management accounts.
MONEY MARKET FUNDS
Sourcing the best interest rates on emergency funds and short-term investments set aside for a specific purpose.
Facilitating all transactions and administration to transfer funds overseas.
EXCHANGE TRADED FUNDS
Managing funds that offer cost-effective entry into local and global markets.
UNIT TRUST PORTFOLIOS
Creating customised unit trust portfolios using sophisticated modelling tools.
Managing personal share portfolios, offering private clients the best portfolio management skills available.
These types of investments, such as hedge funds, are ideally suited for affluent families that want to protect their wealth.
STRUCTURED PRODUCTS AND ENDOWMENTS
These products offer desirable tax advantages for wealthy clients.
PRESERVATION FUNDS, RETIREMENT ANNUITIES, LIVING ANNUITIES AND GUARANTEED ANNUITIES
Our extensive experience will provide you with peace-of-mind regarding your retirement.