Service offering
Wealth and financial management for every need
We offer the full spectrum of wealth management and advice services for your personal and/or business needs.
Which services you access and how your relationship with us evolves over time will depend entirely on your needs and priorities – find out more about our approach
Personal wealth management
Specialist knowledge and experience
Personal advice and coaching
Financial management
what we offer
A wealth of expertise at your fingertips
In addition to the deep expertise of our core team, we work with a network of trusted partners that enable us to provide our clients with the specialist skills they need.
what we offer
A wealth of expertise at your fingertips
In addition to the deep expertise of our core team, we work with a network of trusted partners that enable us to provide our clients with the specialist skills they need.
Wealth management
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What you need |
How we help |
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|---|---|---|
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Investment planning |
Grow your money to meet short-, medium- and long-term goals. |
Choose the appropriate investment vehicles considering your needs, risk preference, timeline and tax implications. |
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Offshore investment planning |
Diversify your investment portfolio and spread your risk. |
Access direct offshore investments or South African investment vehicles with offshore exposure. |
|
Retirement planning |
Be confident that you’ll be able to meet your financial needs in retirement. |
Invest sufficiently for retirement while you work and manage your investments well in retirement to ensure that it lasts. |
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Risk planning |
Have peace of mind that, whatever happens, you are prepared financially. |
Get the right risk cover in place that will provide for you and your family if something happens to you that affects your income. |
|
Estate planning and structuring |
Know that when you pass away, your family will be taken care of and won’t have to face unnecessary financial and administrative burdens. |
Structure your wealth in a way that ensures that your wealth is preserved and protected and transferred to your loved ones the way you intended. Make provision in your estate for the relevant costs (e.g. taxes, executor fees). |
|
Tax planning |
Be confident that you’re not sacrificing more of your wealth than necessary to tax payments. |
Set up and manage your wealth in a tax-efficient way, considering all tax implications (e.g. income tax, capital gains tax, dividend withholding tax, estate duty). |
Financial management
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What you need |
How we help |
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|---|---|---|
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Day-to-day financial management and optimisation |
Optimise your financial processes (work smarter, not harder) Be confident that financial information is accurate and up to date and avoid costly errors and penalties Be able to get a loan more quickly and with less hassle Gain greater insight into the financial performance of your business and where there’s room for improvement |
Business performance analyses, comparisons and explanations User-friendly financial reports that clearly show trends, issues and opportunities Cashflow forecasting and tax planning Business valuations for purposes of buy-and-sell agreements Preparation of financial business plans, budgets and statements Project finance evaluations for new purchases Evaluation of funding models Analyses of new opportunities and support to take advantage of such opportunities Financial coaching Regular meetings and check-ins Bookkeeping |
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Financial sustainability and cashflow |
Have funds allocated for emergencies and future purchases and/or expansions |
Investments and treasury (ideally worth 3 to 6 months’ of working capital) |
|
Succession planning |
Protect the business’s profitability and sustainability and your personal estate from the impact of yourself or another key employee retiring or passing away |
Key person assurance Buy and sell agreements and share buybacks Debit & credit loan accounts Business contingency insurance |
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Employee retention |
Increase loyalty and productivity by supporting employees beyond salary compensation |
Pension funds/Group RAs Medical aid Group risk benefits (life and disability cover) Preferred/deferred compensation |