Financial Planning for You and Your Family

Building and protecting your wealth is crucial, as is ensuring that your ongoing financial demands are met. To achieve this, you need to follow the right investment strategy from the start and review it regularly. Our team of specialists with hands-on experience, provides guidance for you and your family with financial decisions you may face.

Every individual is their own biggest asset, which is why their ability to earn, invest, and grow wealth over time must be assured. We offer our clients life, disability, and incapacity benefits as part of an integrated Cash Flow Model. We also assist our key corporate clients in structuring employee benefits solutions.

Retirement Planning

Retirement planning doesn’t end at 65. Our Cash Flow Modelling helps clients envision their retirement and, in doing so, identify shortfalls in the overall plan.

Our Cash Flow Model factors in all income-generating assets, such as investments, rental properties, business interests, and collectables, and matches these assets to a liability, which is the income one needs generated during their retirement. We give our clients an indication as to what their income will be at retirement after taking tax and inflation into account while highlighting how long this income will last.

Estate Planning

We help you understand the costs and liquidity around your estate in the event of divorce or death and assist with solutions to mitigate these costs and liabilities. Do you have offshore assets? Does your local Will address these assets?

Tax Planning

We help our clients mitigate tax liabilities through various local and offshore structures and investment vehicles and ensure these complement their overall wealth management needs.

Fiduciary Planning

Our team of fiduciary specialists devises strategies that include your will and trusts, ensuring all legal and tax requirements are taken care of. We aim to tailor-make solutions that are sustainable and relevant to you and your family.

Investment management is a crucial aspect of financial planning, ensuring that individuals and families can effectively grow and preserve their wealth over time. Our team of professionals play a significant role in guiding clients through the complexities of investment strategies, risk management and financial decision-making.

Bespoke Portfolio Management

Our experts work closely with clients to understand their financial objectives, risk tolerance, and time horizon. Based on this information, we design and implement a diversified investment portfolio that seeks to balance risk and return. Our diversification across various asset classes aims to reduce risk and enhance long-term returns.

Active Portfolio Monitoring and Rebalancing

The dynamic nature of financial markets requires constant vigilance. We provide active portfolio monitoring to ensure that investments remain in line with clients' goals and risk tolerance. If market shifts lead to deviations from the desired asset allocation, we initiate portfolio rebalancing. This process involves adjusting the portfolio's composition to restore the intended balance, aiming to maintain the risk-return profile.

Tax-Efficient Investment Strategies

Tax implications are a critical consideration in investment management. We focus on minimizing the tax impact of investment decisions through strategies such as tax-loss harvesting, asset location, and the use of tax efficient investment vehicles. By optimizing the tax aspects of investment portfolios, clients can enhance their after-tax returns.

Designed for employers and employees, employee benefits should be accessible, secure, and focused on financial wellness. We craft and implement long-term structured and cost-effective solutions.

Our Solutions

• Scheme benefit design and implementation
• Selection and monitoring of appropriate retirement fund administrators
• Risk-benefit solutions
• Investment consulting services
• Bespoke, targeted member education and member communication programmes
• Implementation of appropriate fund compliance and governance

Integrated personal financial planning advice

Ensuring that you have an appropriately structured business assurance plan ensures the sustainability of your business against unexpected or unlikely events that could befall business owners and/or key employees.

Key Services

• Buy and Sell Agreements
• Key Man Insurance
• Contingent Liabilities
• Business Valuations