Personal Financial PlanningBusiness Financial Planning

Personal Financial Planning

Personal Financial Planning covers all areas of our clients’ financial needs and will result in the achievement of each of the clients’ goals as required. This includes the following:

  • Risk Management and Insurance Planning:
    • Managing cash flow risk through sound risk management and insurance analysis, e.g. Life, disability, dreaded disease cover and income protection. Also to protect your assets, e.g. Building, house content and vehicle insurance.
  • Investment and Planning:
    • Planning, creating and managing capital accumulation to generate future capital and cash flows for reinvestment and spending, including managing for risk-adjusted returns and to deal with inflation.
  • Retirement Planning:
    • Planning to ensure financial independence at retirement.
  • Tax Planning:
    • Planning for reduction of tax liabilities and the freeing-up of cash flow for other purposes.
  • Estate Planning:
    • Planning for the creation, accumulation, conservation and distribution of assets.
  • Cash Flow and Liability Management:
    • Maintaining and enhancing personal cash flows through debt and lifestyle management.

Click here to download the Short-term Broker Appointment and Authority form.

Click here to download the Client Authority Advisor Appointment form.

Make sure to download the form, and if you do not have a viewer that can edit or fill in the forms electronically get a free version of, Adobe Reader here.

Business Financial Planning

Business Financial Planning creates solutions for the businesses’ needs to attain financial soundness, returns on investments, cash flow and liability management, tax liability and personnel retention. This will include the following:

  • Analysing business entity:
    • Determining value of business
    • Monetary value of shareholding per percentage
    • Identifying Key persons in the business and determine the monetary value of each one
    • Contingency liability
    • Tax planning
  • Personal needs:
    • Risk needs e.g. Life and disability cover; medical aid and insurance.
    • Retirement provision e.g. Pension, provident or group retirement annuities.
    • Continuation of benefits before retirement and thereafter e.g. Preservation Funds and continuation options of risk benefits after retirement.
  • Asset protection:
    • Customised commercial insurance to suit each specific industry.

Click here to download the Short-term Broker Appointment and Authority form.

Click here to download the Client Authority Advisor Appointment form.

Make sure to download the form, and if you do not have a viewer that can edit or fill in the forms electronically get a free version of, Adobe Reader here.