top of page

THE INDIVIDUAL

For the individual we provide advice and intermediary services for the following areas of your portfolio:

Financial Planning

 

Financial planning represents the holistic review and analysis of your personal portfolio, with the express intention of realising value from either increasing the benefits due to you and your family or by reducing the monthly contribution required to achieve your goals. This objective is attained through the use of two principals:

​

  1. Cost Reduction, or

  2. Product Supplier Negotiation

​

Please note that it could be possible that you are currently in the most efficient product/platform available, and this type of analysis would allow you comfort in the knowledge that you are in the best available product.

Estate Planning (Life Cover, Wills)

 

This area of our business would deal with the implication of you not being around to provide financial security to your family and dependents.

 

The areas that we provide advice on would be:

​

  • Debt repayment

  • Family financial security

  • Inheritance

  • Consideration of Estate duties and Executor fees

Wealth Management Services for established Investments

 

As professionals in the investment industry, we are constantly receiving fund manager updates, feedback and regularly attending presentations concerning the various funds that we utilise.

 

Through the assimilation of this information, we are able to recommend portfolio’s that will result in the minimisation of risk and maximisation of return for a given investor profile.

 

Other value added services that we offer include:

 

  • Portfolio Return analysis

  • Comparison of returns against agreed benchmarks

  • Economic and Market discussions

  • Regular reporting on the performance of your portfolio

Retirement Planning

​

The proposal and implementation of retirement planning strategies seek to enable our client’s realisation of their objective to retire and enjoy the fruits of their labour long after they have left employment.

 

Considerations that influence the ability of a client to retire will be:

​

  • How early you start investing,

  • What proportion of your income do you save,

  • The preservation of retirement assets if you resign,

  • What vehicles you utilise.

  • The vehicles that we offer for retirement planning include:

    • Retirement Annuities

    • Pension Preservation Funds

    • Provident Preservation Funds

    • Living and Life Annuities

Income Replacement in the event of disability

(Lump sum or Monthly benefits)

 

As an individual the most disturbing thought that should haunt one is not the cessation of life, but the loss of the ability to earn an income and therefore the thought of being dependent on some else.

 

It is this need that disability cover assures will not happen, and typically there are two methods that can be used to provide for your needs in this situation:

​

  1. Replacement of your monthly income

  2. The receipt of a large capital sum which would be invested to provide a monthly income

Investment Planning

 

Our definition of this area of a client’s portfolio would relate to investing from the short term to the long term, excluding the use of retirement platforms. Over these periods we can break the investment objectives into the following:

 

Short term:

 

The preservation of wealth is important and volatility must be avoided. Typical goals would be house or car deposit accumulation, holiday and wedding funds, or the saving of funds for less than 2 years.

 

Medium term:

 

Over this period some volatility in value is acceptable as we know an investor will be rewarded for the assumption of risk, the key to this is diversification which limits portfolio volatility. The time horizon for this investment would be 3- 10 years.

 

Long term:

 

Investing for the long term should change an investor’s focus from volatility to ensuring the creation of wealth in excess of the value lost due to inflation.

 

Fortunately, over time horizons in excess of 10 years the investor is exposed to market trends instead for short-term volatility. In order to implement an investment that suits your investment constraints and objectives, the following would need to be considered:

 

  • Investor Return Requirement

  • Investor Risk Aversion

  • Time Horizon

  • Tax Implications due to sources of return

  • Liquidity Needs

bottom of page