Our Services
Deciding how to best invest your money successfully and insure yourself against life's uncertainties is the foundation of a successful financial portfolio.
FINANCIAL PLANNING
Setting up a financial portfolio that meets your unique objectives
Our financial planners consider your needs and work with you to identify and plan for your financial objectives. We will introduce you to our wider network of specialists if your portfolio requires a solution that is not offered by ourselves.
- Personal Risk Planning
- Retirement Planning
- Investment Planning
- Estate Planning
- Healthcare Planning
- Short-term insurance planning
We also compare the fine print of benefits offered by the different insurers to enable you to make an informed decision on the cover you choose to include in your portfolio:
- Life Insurance
- Disability Insurance
- Severe Illness cover
- Sickness benefits
- Income Protectors
- Funeral cover
We apply strict operational guidelines and follow best-practice advice processes. As professional advisers, we are not tied to any product provider.
BUSINESS INSURANCE
Protection in the event of death, disability, injury and illness
Buy-and-sell
Insurance will provide the co-owners with liquidity to purchase a co-owner’s business interest in the event of their death, disability or retirement.
Contingency Liability
Will protect co-owners who have signed surety on behalf of the business.
Protection of Debit and Credit Loan Accounts
By providing liquidity in order to settle loan accounts of the business and co-owners.
Business Overhead Protector
Cover certain business overheads for up to 24 months.
Keyperson insurance
Will finance the replacement of a keyperson in the event of their death or permanent disability.
Corporate Investment Solutions
Protect and grow your business capital by looking beyond the money market to alternative fixed interest instruments.
Preferred compensation
An incentive scheme for selected employees to retain their future services for the benefit of the business.
EMPLOYEE BENEFITS
The best of business solutions includes a combination of healthcare, retirement and risk benefits. We offer these benefits individually, or in combination to corporates, institutions and small and medium-sized enterprises.
HEALTHCARE BENEFITS
Businesses may have happier and more productive employees by assisting them with quality healthcare benefits.
- We assess, identify and prioritise health risks.
- Perform due diligence on existing healthcare benefits.
- Present tailor-made solution (according to the available budget).
- Healthcare management consulting services.
GROUP RISK BENEFITS
Risk benefits help your employees to provide for their dependants in the event of their death, disability or dread disease.
- Group risk benefits offered in conjunction with your corporate retirement fund.
- Group risk benefits offered as an independent corporate benefit.
PENSION AND PROVIDENT FUNDS
A tailor-made solution of risk benefits and retirement contributions– we will customise a strategy to suit your unique needs.
- All administration, investments and risk benefits will be taken care of so that management can focus on the business.
- Provides lower costs and more flexibility than other traditional retirement funds
- Members receive regular and easy understandable communication
- Individual employee consulting is also available upon request.
MEDICAL AID
Health care options to suit your individual needs.
Healthcare expenses involve more than just the cost of your hospital stay.
Access to highly qualified specialists and medical procedures is one of the most important elements of good healthcare. This specifically should include comprehensive oncology treatment - these benefits differ greatly between the different medical aid plans in the market.
Simplicity and attention to detail assist us to guide our clients in comparing options and choosing the correct healthcare plan.
HEALTH CARE OPTIONS TO SUIT YOUR INDIVIDUAL NEEDS
Hospital plans
Provide in-hospital care and treatment for certain chronic conditions.
Savings plans
Combine a hospital plan with an annual medical aid savings amount to fund out-of-hospital expenses
Comprehensive plans
Offer comprehensive hospital and day-to-day cover. Depending on the option, the day -to-day benefit may be limited to a specified amount
Network plans
Provide hospital cover and limited day-to-day cover (which generally include GP visits, prescribed medications, pathology, radiology and dentistry benefits). You will need to consult a Network doctor in order to access these benefits
GAP COVER
We offer the cover on Medical aid benefit limits when you need it most.
Medical aids apply certain limits to benefits whilst your stay in hospital.
Combining your medical aid with the correct Gap cover option will provide you with comprehensive cover and peace of mind.
There may be a difference between what your health care providers charge and the rate your medical aid pays. There may also be co-payments on medical procedures performed by your doctor or specialist. These amounts which were not covered in full by your Hospital/Risk Benefit may be covered by your Gap cover plan (in-full or partially, depending on the specific gap cover plan).
Gap cover options:
- Additional cover (between 100% and 500%) for your in-hospital health care provider.
- Co-payments (e.g. on hospital admissions, Colonoscopies, Gastroscopies, MRI and CT scans)
- Sub-limits (internal prosthesis)
- Oncology benefits
- Casualty cover
INVESTMENTS
We offer a wide range of investment plans and investment portfolios.
Our investment team manage our portfolios according the specific mandate ensuring reliability and transparency. Our investment portfolios have been tailored accordingly to a specific risk profile to suit the objectives of our clients.
INTERNATIONAL INVESTMENT PLANS
Benefit from tax and estate planning advantages while accessing world-class investment choices denominated in foreign currencies.
FLEXIBLE INVESTMENT PLAN (UNIT TRUSTS)
How long you would like to be invested for and when you would like to withdraw your capital is determined by you, the investor. All contributions are voluntary and can be increased or decreased at any time with no negative repercussions.
ENDOWMENT
Offers tax benefits to investors with a marginal tax rate of more than 30%. Capital can be accessed tax-free after the minimum investment period of at least five years.
TAX FREE INVESTMENT PLAN
This flexible investment product is geared for growth and tailored to your individual needs and risk tolerance. You pay no tax on the growth of your investment. Limits apply.
RETIREMENT PLANNING
Tailored and well-managed retirement portfolios with solid investment solutions Our dedicated investment team manage our portfolios according to sound investment principles. Each investment solution has a been tailored according with a specific risk profile to suite the objectives of our clients.
SAVING FOR RETIRMENT
By planning and saving regularly you will grow a solid nest egg over time which will ensure that you can enjoy a comfortable retirement.
- Retirement Annuities
- Pension and Provident Funds
RETIREMENT PRESERVATION
When you change jobs you can transfer your retirement savings to a preservation fund so that your money can continue to grow.
- Preservation Pension Funds
- Preservation Provident Funds
RETIREMENT INCOME
Investing your retirement capital correctly and providing you with comprehensive advice will ensure the quality of your retirement lifestyle.
- Living Annuities
- Flexi-Guarantee Life Annuities
- Guaranteed Annuities (Life Annuities)
ESTATE AND TRUST SERVICES
Comprehensive estate planning and fiduciary services for efficient estate asset management.
Our comprehensive estate planning and fiduciary service (in association with Ambassador Trust) allows you to manage the assets of your estate efficiently and to make sure that they are distributed according to your wishes when you pass away. We also assist in the administration of deceased estates.
Estate costs are often underestimated and may include: 4,025% executors fees, 18% Capital Gains Tax and 20-25% estate duty tax.
WILLS
ESTATE PLANNING
TRUSTS
DECEASED ESTATES
