financial advisors | with you: all the way


Being Certified Financial Planners® our approach is based on the 6 steps of financial planning as outlined by the Financial Planning Institute of Southern Africa (‘FPI’), and it is discussed here.

  • Step 1: Establishing and defining a professional relationship

    “The financial planner should clearly explain or document the services to be provided to you and define both his/her and your responsibilities. The planner should explain fully how he will be paid and by whom. You and the planner should agree on how long the professional relationship should last and on how decisions will be made.”

    Our services that we are licenced to provide is stated under the “Services” link at the top of this page. We do not charge fees for the preparation of a Personal Financial Analysis, and we are remunerated by the product suppliers where we implement any products at regulated commission rates. We also charge a negotiated hourly rate for ad hoc assignments. Remuneration must be disclosed before any recommendations are implemented.   

  • Step 2: Gathering data, including goals

     ”The financial planner should ask for information about your financial situation. You and the planner should mutually define your personal and financial goals, understand your time frame for results and discuss, if relevant, how you feel about risk. The financial planner should gather all the necessary documents before giving the advice you need.”

    With your consent we gather as much information from your personal situation as possible from different sources to allow us to make relevant and pro-active recommendations.

  • Step 3: Analysing and evaluating your financial status

     ”The financial planner should analyse your information to assess your current situation and determine what you should do to meet your goals. Depending on what services you have asked for, this could include analyzing your assets, liabilities and cash flow, current insurance coverage, investments or tax strategies.”

    We analyse the information gathered in step 2) to determine any risks or gaps in your current portfolio. Usually this includes an analysis of your assets and material outstanding liabilities, current insurance cover, investments and retirement planning, as well as tax strategies.

  • Step 4: Developing and presenting financial planning recommendations and alternatives

     ”The financial planner should offer financial planning recommendations that address your goals, based on the information you provide. The planner should go over the recommendations with you to help you understand them so that you can make informed decisions. The planner should also listen to your concerns and revise the recommendations as appropriate.”

    Based on the information that we gather and the discussions that we have regarding your situation, we will present you with a Personal Financial Analysis which addresses your goals and our recommendations to achieve them. We aim to provide the information contained in these analyses as understandable as possible, without compromising technical detail. We also revise these analyses should new information come to light or your goals change.

  • Step 5: Implementing the financial planning recommendations

     ”You and the planner should agree on how the recommendations will be carried out. The planner may carry out the recommendations or serve as your ‘coach’, co-ordinating the whole process with you and other professionals such as attorneys, accountants or stockbrokers.”

    Before implementing any recommendations we will agree on how it will be carried out, and by whom. We have association agreements with many professionals, including attorneys, short term insurance specialists and accountants.

  • Step 6: Monitoring the financial planning recommendations

    ”You and the planner should agree on who will monitor your progress towards your goals. If the planner is in charge of the process, he should report to you periodically to review your situation and adjust the recommendations, if needed, as your life changes.”

    We will review your entire financial situation on an annual basis. However, you should please inform us of any life changes (for example getting married, purchasing of a new home, birth of a child, moving between jobs, et cetera). The product providers also regularly post out statements.

    Remember that you are the focus of the financial planning process. As such, the results you get from working with us are as much your responsibility as they are ours.