01
Comprehensive financial planning
A full picture of your finances — income, obligations, goals and gaps — turned into a written plan you can actually follow. This is the foundation most clients start with.
00 What we do
Advisory work, clearly scoped
We keep our offering deliberately narrow so we can do each part properly. Everything below is delivered with the reasoning written up, and priced so you know the cost before we start.
01 Core services
Where we do our best work
02
Retirement planning
Modelling what you'll need, when you can stop, and how to draw an income that lasts. We cover retirement annuities, preservation funds, and the new two-pot rules in plain terms.
03
Estate planning & structuring
Wills, trusts, executor arrangements and offshore holdings, coordinated so your estate settles cleanly and your family isn't left untangling paperwork. We work alongside your attorney where needed.
04
Tax-aware structuring
Arranging your investments and income so you're not paying more tax than the law requires — legally, transparently, and documented for SARS. No schemes, no grey areas.
05
Investment advisory
Building and reviewing a portfolio matched to your goals and your stomach for risk. We favour low-cost, diversified holdings and we explain every allocation.
06
Second-opinion reviews
Already have a plan or an adviser? We'll review it independently and tell you plainly what's sound and what we'd question. A fixed-fee engagement with no obligation to switch.
02 How to engage us
Ways to work together
The Once-Off Plan
Fixed fee, agreed upfront
A complete written financial plan delivered over three to four weeks. Yours to keep and implement at your own pace, with or without us.
- Discovery and analysis meetings
- Full written plan with assumptions
- One follow-up session to walk it through
Ongoing Advisory
Annual retainer or fee on assets
The plan plus a continuing relationship: scheduled reviews, portfolio management, and a named adviser you can call when life changes.
- Everything in the Once-Off Plan
- Scheduled annual reviews
- Portfolio management and rebalancing
- Direct line to your adviser
Second Opinion
Fixed fee, no obligation
An independent review of an existing plan or portfolio. Honest feedback, in writing, with no pressure to move your business to us.
- Review of current arrangements
- Written summary of strengths and gaps
- A frank conversation about next steps
03 Who we tend to help
Situations we know well
01 Established professionals
Doctors, advocates and senior specialists with strong income but little time — where the priority is tax efficiency and putting a proper plan in place before it's urgent.
02 Business owners
Founders whose wealth is tied up in the business, needing to separate personal security from company risk and plan for an eventual exit.
03 Near-retirees
People five to ten years out, wanting a clear answer to 'can I stop, and what will it look like' — with a drawdown plan that survives a rough decade.
04 Families settling an estate
Executors and beneficiaries needing calm, coordinated guidance through a difficult time, working alongside the attorney handling the estate.
Not sure which fits?
Tell us roughly where you are and we'll point you to the right starting engagement — even if that's a simple once-off plan.