A portfolio should be the output of a plan, not the starting point. We begin with what the money is actually for, then build the mandate around it.

• Documented risk profile and investment mandate before any product is selected
• Portfolio construction across local and offshore exposure, using published fund fact sheets in the correct share class and platform
• Performance reported on a time-weighted basis, with money-weighted (IRR) shown alongside so you can see both what the portfolio did and what your timing did
• Full disclosure of platform, fund and advice fees before you commit
• Ongoing monitoring, with formal written portfolio reviews

Most financial problems are not caused by a bad product. They are caused by good products that were never made to work together.

• A full financial needs analysis - what you own, owe, earn and are covered for
• Goals mapped to time horizons, so short and long money are not treated the same
• Investments, tax, risk, retirement and estate coordinated as one plan rather than five separate decisions
• A written plan you keep, reviewed formally and updated as your life changes
• One ongoing advice fee across the whole picture - no billing per service

Most estate problems are not caused by bad intentions. They are caused by documents that were never updated.

• Wills drafted, reviewed and kept current as your circumstances change
• Beneficiary nominations checked across every policy and retirement fund - these are not governed by your will
• Estate duty, executor fee and liquidity estimates so your family is not forced to sell assets to settle costs
• Trust and company structures where they genuinely serve a purpose, and honest advice when they do not
• Coordination with your attorney and accountant where a matter needs them

Your ability to earn is usually your largest asset. It is also the one most people leave uninsured.

• Life, disability, severe illness and income protection cover, sized to an actual needs analysis
• Audit of existing policies - what you hold, what it costs, and whether it still fits the life you have now
• Business assurance: buy-and-sell agreements, key person cover and contingent liability
• Cover structured with the estate in mind, so proceeds land where they are meant to
• Claims support when it matters, so you are not navigating a claim alone

The question is not only how much you have, but how long it lasts and what it costs you in tax along the way.

• Retirement funding gap analysis - what you are on track for versus what you need
• Contribution and tax-deduction planning within the section 11F limits
• Structuring across retirement annuities, preservation funds and endowments
• At-retirement decisions: living annuity versus guaranteed annuity, and the trade-offs in each direction
• Drawdown rate strategy, stress-tested for sustainability across a range of return assumptions

Tax is not a separate exercise done in February. It is a consequence of decisions made all year, and it can be planned for.

• Retirement contributions structured within the section 11F deduction limits
• Tax-free savings, endowments and unit trusts compared on after-tax outcome rather than headline return
• Capital gains consequences considered before rebalancing, not after
• Interest and dividend exemptions used deliberately across a household
• Estate duty and capital gains tax at death modelled together, since they interact

Financial decisions have legal consequences. Having that expertise in the room changes what gets recommended.

• Wills and testamentary trust structures
• Trust deeds, company structuring and shareholder agreements
• Contract review and interpretation where a financial decision turns on the wording
• Negotiation and dispute resolution support
• Referral to and coordination with attorneys where a matter needs formal representation

Your healthcare needs change. Your cover should change with them.

Medical scheme options are often selected once and then carried forward year after year, even as families, health needs, benefits and costs change.

We review your cover to help ensure that the option you choose remains appropriate for your circumstances, healthcare needs and budget.

Medical scheme cover does not always mean every medical bill is covered in full.

Specialists and other healthcare providers may charge more than the amount reimbursed by your medical scheme, leaving you responsible for the difference.

Gap cover can provide additional protection against certain eligible shortfalls and related expenses, subject to the terms and limits of the policy.

Not all healthcare products provide the same protection.

Medical schemes and health insurance policies are regulated differently, structured differently and provide different benefits.

We help you understand those differences so that you know exactly what your cover is designed to provide - and, just as importantly, what it does not.

The right cover today may not be the right cover tomorrow.

Homes are improved, vehicles change, valuables are acquired and lifestyles evolve - while insurance policies are often left unchanged.

We review your cover to help identify gaps, outdated values and unnecessary exposure before a claim puts them to the test.

Every business has risks that standard cover may not fully address.

Property, vehicles, equipment, liability, business interruption and operational exposures all require careful consideration.

We help identify the risks your business actually faces and structure cover around those risks - so that your insurance reflects the business you have built.

Good benefits depend on good administration.

Contributions, member records, claims, exits, benefit statements and ongoing fund processes all need to work accurately and on time.

We help keep the detail under control so that employers, members and providers remain aligned.

Cover should evolve as your workforce evolves.

Group life, disability, income protection and other insured benefits should not simply be put in place and forgotten.

We regularly review structure, cover, cost and suitability to help ensure that the benefits remain relevant to your employees and sustainable for your business.

The right retirement fund structure matters.

Umbrella funds and standalone funds offer different levels of cost, control, governance and flexibility.

We help employers assess the alternatives and select a structure that fits their workforce, objectives and responsibilities.

Good governance requires active oversight.

Management committee responsibilities do not disappear simply because they are overlooked.

We support management committees with governance, meetings, reporting, benefit reviews, provider engagement and the information needed to make properly informed decisions.

A benefit only has value when employees understand it.

Employees need to know what they have, how it works and what it means for them and their families.

Clear, practical communication turns employee benefits from an unseen cost into a benefit employees can recognise, understand and value.