Expanding Services

Our services as Professional Independent Financial Consultants has expanded exponentially.

We have identified our clients’ needs and formed enviable relationships with the top service providers in their fields. We will continue to extend our services to bring you the most suited, cutting edge Financial Solutions available to date.

A brief summary of our platform:

Risk and Investment Solutions
Are your Financial goals and priorities clearly identified? Have we reviewed your strategy recently? We will ensure that you have the best benefits available by offering tailor made solutions from multiple leading Life Insurers.

Management of Discovery Vitality Wellness & Rewards Program
Have you reached Gold Status yet? We will assist you in unlocking the true potential of this fantastic rewards program. Join us during the next Vitality Fitness day, 6 November, at our offices and get to Gold status quickly!

In house Short Term insurance
Did you assets appreciate/depreciate during the year? Have you adjusted your short term insurance accordingly? With over 25 years experience, our in house short term broker will provide very competitive rates to individuals and businesses alike.

Administration of Employee Benefit Solutions - Retirement Benefits, Risk Benefits and Investments
Transactional banking services such as Debit orders and EFT’s at reduced rates.
Fractional ownership solutions in high net worth Assets, like property, super cars, yachts etc.
Business Asset and Debtors Finance
Tailor made portfolios of rare Gold Coins
Commercial and Industrial Property Investments
Administration of Estates, Trusts, Last Will & Testaments

Contact me for an urgent review of your strategy or should you require further information about our specialized services.

Your Income means the world to your – are you protecting it?

The roof over your head, your car, your kid's education, the long-awaited holiday and that new pair of shoes all have one thing in common – your income and without it you wouldn't have any of it!

Most of us would like to believe that we'll never have an unplanned break in our income until our retirement, that is not always the case. You may get an illness or disability that leaves you unable to work for a period of time, even though it's not permanent. You still need to take care of your monthly expenses.

Your medical aid should foot the bill for your medical expenses but how will you survive without an income for the foreseeable future? There is light at the end of the tunnel! Temporary Income Disability is now available and was designed especially for these types of situations.

Temporary Income Disability will pay out a maximum of 24 months income in the event of a temporary or permanent disability that prevents you from working.

• The benefit will pay out multiple periods.
• It can be paired with any other disability benefits.
• Flexible waiting periods are available to choose from

You are in control of your life. Make the decision today to protect what you have and secure your future and that of the ones you love!

“Jy het nie versekering nodig omdat jy gaan sterf nie, maar omdat jy gaan lewe”

Statistieke oor gevreesde siektes is genoeg om jou naar te maak! Een uit elke vier mense kry ’n hartaanval, kanker word by een uit drie gediagnoseer en een uit elke 11 vroue kry borskanker.

Agt uit elke honderd mense sal ’n beroerte kry waarvan slegs 10 persent volkome sal herstel en 53 persent agterna volkome afhanklik van ander se sorg sal wees. Dan het mense dikwels oë skuldvlakke en hulle is veronderstel om nog baie jare geld te verdien.

Jou gesondheid en vermoë om ’n inkomste te verdien is jou grootse bate. Hoe beskerm jy jou inkomste tans?

Gevreesdesiekte dekking asook Ongeskiktheids Inkomste is die oplossing. Ongeskiktheids Inkomste bied beskerming teen tydelike of permanente gevalle waar jy weerhou word deur ’n siekte of ongeskiktheid om ’n inkomste te verdien. Die dekking sal geldig wees tot aftrede van 60 of 65.

Nou is daar ook Tydelike Ongeskiktheids Inkomste beskerming beskikbaar wat jou inkomste vir 24 maande beskerm.

“Jy het nie versekering nodig omdat jy gaan sterf nie, maar omdat jy gaan lewe”

Dr. Marius Barnard – Hartspesialis en pionier van gevreesdesiektedekking

Vroeër in die jaar het Dr. Barnard gedurende ’n seminaar met ons gedeel hoe van sy pasiënte finansieel sukkel nadat hulle ’n siekte of ongeval oorleef. Sommige verloor liggaam funksies, brein funksies of verkeer emosioneel onstabiel en kan nie langer ’n inkomste verdien nie.

Maandelikse uitgawes soos voedsel, water, ligte, verblyf en baie meer word nie deur jou mediese fondse gedek nie!

Kontak my onmiddellik om uit te vind hoe ons jou inkomste kan beskerm en of jy tans beskerming het?

For the English version please contact me.

What should I do?

Question: I resigned from the company where I have been working for 26 years. What I should do with my pension fund?

Answer: Employees staying with employers for such long periods are the exception rather than the rule these days and I am sure you are reaping the rewards with a substantial accumulated value in your pension fund. Before discussing the various options available to you, you need to consider a number of important questions:

• What are your goals in retirement and how will you fund these?
• Are your pension fund savings your only source of retirement provision or do you have other sources (e.g. retirement annuities, an investment portfolio, etc)?
• Do you have substantial outstanding debt that is placing pressure on your lifestyle?
• How long do you still have to save until you retire?

These are important issues to keep in mind when making decisions that may potentially impact your desired lifestyle now and after retirement.

You should be receiving or would already have received a withdrawal form from your current fund listing the options available to you. The following four options should be reflected:

1. Transfer to pension or provident fund

If your new employer has a pension or provident fund, you may transfer your pension benefit to your new employer’s fund. Transfer to a pension fund is entirely tax free. In the case of a transfer to a provident fund, a small portion of the benefit (around R1800) is tax-free and the balance will be taxed according to your average tax rate.

2. Transfer to preservation fund

It is a good idea to explore the option of transferring your pension benefit to a pension preservation fund. A preservation fund can be considered as a ‘parking bay’ where you can leave your accumulated benefit until you are ready to retire. Upon your retirement, you may access the funds as a retirement benefit subject to its own taxation provisions. You will be allowed to make one withdrawal prior to retirement that will be taxed at your average tax rate.

3. Transfer to a retirement annuity fund

A retirement annuity is a voluntary retirement savings vehicle with tax benefits. This means that it is not linked to employment and you can choose the monthly or annual contributions. These contributions UP to certain limits are tax deductible. Any future career changes can be done with ease as the retirement annuity is in your personal capacity. You can transfer your pension benefit directly to you retirement annuity tax-free.

4. Cash

Should you choose this option, you will be taxed at your average tax rate. I cannot stress enough that this should be your absolute last resort and should not be considered. Even if you do have debts that you want to settle now, you should rather consider transferring your benefit to a preservation fund and withdrawing only the amount required to settle your debt. Taking the full amount in cash creates an unnecessary temptation to spend the left-over cash. If you are close to retirement, 15 years or less, it might not be possible to make up for time lost.

Do you know anyone that has resigned, been retrenched, retired or changed careers? Ensure they are able to make informed decisions by forwarding me their contact details.

Does your company offer retirement benefits such as a Pension Fund or Provident Fund? Now is the perfect time to review your current fund or implement a new fund, please contact me.