About Us
Financial Planning is the process of wisely managing your finnces so that you can achieve your goals and dreams - while at the same time helping you negotiate the financial barriers that inevitably arise in every starge of life.
Financial Planners provide services that can include establishing an appropriate asset allocation, selecting suitable investment products, developing tax efficient portfolio management startegies, arranging access to estate planning services, and facilitating the execution of client directed trades.
WHAT IS A RETIREMENT STARTEGY?
The No. 1 most Frequently Asked Question; Is it possible to outlive my Retirement Savings. YES. Due to an increase in Life Expectancy many individuals are more likely to outlive their Retirement Savings.
It is important to constantly review your retirement strategies as future income needs re changing rapidly due to general inflation, effects of climate change and poor investment choices.
Our Retirement Strategies are designed to support individuals, Professionals, Enterpreneurs, families, Business Owners, Groups and Corporate Organisations better support themselves during retirement.
Demystifying the Savings and Investment process.
WHAT WE DO
We build custom crafted Financial Plans and Retirement Strategies for INDIVIDUALS | FAMILIES | PROFESSIONALS | GROUPS and CORPORATE ORGANISATIONS.
WHAT DRIVES US
HIGH LEVELS OF CASH: The majoriy of African people choose to hold their Savings in Cash rather than in other investment options like Bonds, Equities or Alternative Assets. A quick look at most african bank balance sheets paints a growing increase of cash holdeings, including the often OVER SUBSCRIBED government Treasury Bill and Bonds Auctions validate these findings.
However, the holding of excess Cash especially in low and negative interest rate environments delivers poor long term returns, eroding individuals future spending power and a threat to the growth of many economies.
INCREASING LONGEVITY:The average Life Expectancy has increased significantly since most retirement systems were established. An African born today is more likely to live to between 75-85 Years of Age because access to better medical care and specialised treatment methods including increased investment in health care providers has made this possible.
RETIREMENT INCOME GAP:The Global trend away from Defined Benefit (DB) pension schemes towards Defined Contribution (DC) plans is shifting retirement planning responsibility from Governments and Employers to Individuals. High Inflation rates are the No.1 single Risk to African Retirement Strategies.
LACK OF ENGAGEMENT,FINANCIAL LITERACY AND ACCESS TO ADVISE: At a time when the need for financial advise is so great for so many, levels of engagement with financial advisors are disappontingly low, most financial advisors are based in city centres.