Your life without any worries
SOLUTIONS FOR INDIVIDUALS
With our knowledge, expertise and resources, we develop advanced, customised solutions that better enable our clients to manage their unique portfolio.
Estate Planning
Estate planning is an ongoing process throughout one’s life, and should be started as soon as one has any form of measurable asset.
As life progresses and goals change, the estate plan should adapt to be in line with new goals.
Health Care
Health care is a specialised and complex industry. Hospital and health care costs are escalating rapidly and the options can be daunting and often difficult to compare and evaluate.
Retirement Planning
Retirement is one of the most important life events we will ever experience and planning for your personal and financial needs after retirement is a must. Planning for a realistic and comfortable retirement is an ongoing process that takes sensible planning and persistence. Even once you’ve retired, managing your finances is an ongoing responsibility that lasts for the rest of your life
Financial Advice
Obtaining sound financial advice for where to invest your savings is critical for getting the best value from your investments over time. Choose the right financial planner to assist you.
Unit Trust
A unit trust allows investors with similar objectives to pool their money in a portfolio for the purchase of underlying securities. This enables you to buy into a diversified portfolio of shares, bonds, money market and other financial instruments you would not normally have access to as an individual.
Trusts
A trust is an arrangement that allows someone to hold assets without owning them, for the benefit of specific trust beneficiaries. It is a great tool for minimising estate duty, for protecting underage inheritors (beneficiaries) and to defer capital gains tax.
Life Insurance
Planning for your untimely death can help to protect the livelihood of your dependants. A thorough needs analysis of your dependents is carried out to ensure their financial needs are taken care in the unfortunate event of your death.
Disability & Dread Disease Cover
In the event that you become disabled or contract a dread disease, it is imperative that you have cover that can replace your income and provide for your medical expenses, should you no longer be able to provide for them for yourself. Unlike death cover, disability and dread disease cover is based on the life assured and not the dependants.
Protect your Income
Income protection ensures that you do not have a shortfall in cash flow if you are unable to work due to an injury, illness or disability. This is vital if you have dependents who rely on your income to survive.
Cover for Severe Illness
In the event that you contract a severe illness, this type of cover ensures that you have sufficient finances to support yourself. For example, it can cover the expense of being cared for at home, modifications to your home or lifestyle as a result of severe illness or early retirement.
Funeral Cover
Funeral cover is seldom considered until the time comes to organise a funeral. Funerals can be extremely costly! The problem is that access to funds is temporarily suspended until such time as the estate is wound up. So our team can help you choose the best cover to suite your family needs.
We help you to
Frequently Asked Questions
Life assurance provides protection in the event of death in the form of payment to the beneficiary. This enables such beneficiaries to maintain their lifestyles as they were before the demise of the policy holder.
Ask yourself, what will happen to your loved ones in the event of your death? How will their lives change?
Now ask yourself, how do I prevent that?
