SERVICES
Risk Planning
Protecting your wealth against life’s uncertainty that we face daily.
We all have plans and ideas of what we want to do and achieve. We consider how to grow our businesses and look for ways to achieve a return on our investments. Unfortunately, the reality is that things do not always pan out as we imagine. Thankfully, you have the option to “finance” your risk so that you do not have to draw from your investments and savings should the unexpected occur.
Investment Planning
Guidance for achieving your investment goals.
To understand investing, you must first understand the difference between investing and saving. Saving money is the process of putting cold, hard cash aside and parking it in an extremely safe and liquid account. Investing, on the other hand, is the process of using your money, or capital, to buy an asset that you believe has a good probability of generating a safe and acceptable rate of return over time to increase your wealth, even if it means suffering volatility, perhaps even for years.
Simply put, by saving money you do not generate money. You need to invest money over time to work and generate returns for you. Both of these play a role in financial planning.
Short-Term Insurance
Protecting the assets most important to you.
This refers to insurance products to protect your valuable personal or business assets and that replace these in the event of theft, damage, or loss.
Medical Aid and Gap Cover
Medical Aid Gap Cover covers the shortfall between what a health practitioner charges and the amount your medical scheme is willing to pay. Do not put yourself at risk of requiring financial assistance in the event that your medical aid plan does not cover all of your healthcare costs.
Estate Planning
Fiduciary services and drafting of wills.
Estate planning, simply put, is the process of arranging and managing your assets during your lifetime so that when you pass away, your estate is transferred in accordance with your wishes. Effective estate planning ensures that estate duty, taxes, and other costs associated with death are minimised as far as possible, while simplifying the process of extending your legacy to multiple generations. Estate planning is also aimed at protecting the beneficiaries of your estate, particularly when there are special needs involved.