Services

In-person meetings

For that ccrucial face to face time. Obviously adhering to current Covid-19 safety protocols

Remote meetings

For those unable to meet face to face for what ever reason I am available online via multiple platforms

Services Provided

Individuals

You may not be married, or have a significant other this does not mean you do not need to protect your self. As an individual you still need to plan for your retirement, buy a house, a car or fund future goals. Speak to me on how to get there

Families

Is there enough cover in place to protect your loved ones from the financial burden of death. Be it yours or your spouse, death needs to be planned for. Estate duty, executors Fees, existing debts these are but a few of the concerns your family will face.

business

By protecting your employees you protect your business. Chat with me about Employee Benefits, Buy and Sell, Key Man, Proffered Compensation. Let I

Professional Advice Provided

Life Cover

Ensuring that you have adequate life cover at an affordable cost. Using sophisticated computer technology to ensure that your estate, spouse and children are not left destitute unexpectedly.

Disability & Income Protection

Replacing your income if you cannot work due to illness or injury. Income replacement can be in the form of a monthly payment or a lump sum gratuity.

Estate Planning

Taking cognisance of present tax and estate duties and developing plans based on your unique needs.

Business Assurance

Buying or selling a business, partnership assurance, key personnel cover, how does the harmonisation of Pension and Provident funds affect your business?

Retirement

Providing for your golden years during your earning years. How many pay days do you have left until retirement? Innovative, tax efficient plans.

Education

Plans designed to provide for your children's future not only through education but in a way you can see fit.

common questions

Life cover (or life insurance) will pay your dependants a pre-specified amount of money in the event of your death. It is there to help ensure that your loved ones are looked after and provided for, even if you are no longer alive and there to help them financially

Life is unpredictable. If something were to happen to you, consider what would happen to the people in your life who are financially dependent on you every month. You’ll want to ensure that you’ve done what you can to provide for your family, in the event of your death.

There’s no simple answer to exactly how mmuch cover you need, but one of our accredited Financial Advisers will be able to give you a good idea of the amount of cover you should have.

A general suggestion is to ensure that your death benefit is equal to a multiple of your annual salary, depending on how old you are and how many dependants you have. Alternatively, consider what expenses your loved ones will have to deal with if you were to die unexpectedly. How much money will they need to cover the bond? Do you have outstanding credit card debt? Do your children need money to cover school fees or go to university?

But the best way to determine how much life cover you need is to speak to an Accredited Financial Adviser. They will be able to do a comprehensive calculation based on your exact needs, considering any large debts that you may have (like your bond), your age, risk profile and your average monthly expenses.

Saving for your retirement is one of the most important financial goals you’ll ever have. Once you retire, you’ll need an income to support your lifestyle. Medical costs increase as you age, and because we’re living longer, you’ll need enough funds to take you through your 20 to 30 years of retirement. Without retirement savings, a retiree could be forced to downsize their home and lifestyle, or even forgo retirement altogether.

Assuming you start relatively early, you should aim to save at least 15% of your pre-tax income towards your retirement. If you start saving at the age of 25 and consistently save 15%, you should have enough saved to replace around 75% of your income in retirement, which will allow you to live comfortably. Ian, can help you look at your finances and create a plan to help you achieve your goals.

It is obvious every investor is unique, and thus their investment needs differ. In the same vain every investment is unique and needs to be catered for specifically. Investment returns that offer potentially higher returns always come with higher risk, thus investors also need to be sure of their time horizon – are you investing for the short or long term? What is your ultimate investment goal? From bonds, to stocks, funds and property, there are many investment types to consider, each with their own benefits. I, will be able to help you plot what your investment goals should be and the kinds of investment vehicles that can help you achieve those goals.

Investments that offer the best returns come with higher risk. As an investor, you first need to decide your risk tolerance – are you willing to potentially lose some of your investment for the opportunity to possibly earn a higher return? Historically, investing in the stock market has provided higher returns than investments in bonds, cash and other asset classes. But the stock market is also more volatile.

This depends on your investment vehicle, Tax-Free Savings Accounts (TFSAs) and retirement funds are exempt from all taxes, which makes them very attractive savings vehicles. For other investments, you will pay capital gains tax on the growth of your capital. To learn more lets set up a meeting and chat further.

I have two offices, one is in Pietermaritzburg and the other in Johannesburg. Please refer to the contact page for more info.

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