INDIVIDUAL FINANCIAL PLANNING

"Wealth Management is not only for the wealthy"

We all strive to make a difference; to ourselves, the family that depends on us and the family that we will leave behind. We all strive to leave a legacy. Despite this, a big part of the country seems to be destined to live hand to mouth while struggling to feed children and/or supporting aging parents. The only thing that seems to be consistently inherited by the next generation is a similar way of life. It's a never ending cycle. Where's the legacy in that? It's time to break the chain.

We understand though that each person has a unique idea of what kind of legacy they would like to achieve and leave behind so you tell us what is important to you. We'll assess, design and facilitate the implementation of the plan that will help you achieve it

RISK

"Your biggest asset is you, protect it"

Do not underestimate the value of your life, health and ability to work. This is the cornerstone and source of your income and thus your biggest asset. Death is guaranteed, the only question to ask yourself is whether the people that depend on you financially can afford to live without you if it occurred sooner rather than later? Can vou afford to not work for months or vears at a time without pay due to illness or an injury?

Your peace of mind is what is important to us. Speak to us so that we can analyse your needs and make available the best solution for those needs. We believe you will be relieved with the outcome.

WEALTH

"Make the money that you earn an asset so that later you don't have to earn it to spend it"

If you are planning to live long and/or have children then the two things that will be very difficult to avoid are education costs and retirement. The things around us seem to be rising in cost more than salaries increase. The longer the period the bigger the gap between what you think you can afford now and what you will be able to afford later. What is uncertain is whether you will choose to prepare for it now or wait and see and have to make sacrifices that might be detrimental to your family later. No funds to educate your children and possibly those same children will have to take care of you financially when you are in retirement. This is clearly part of the problem.

Wealth creation is about making your money make money over a period of time. What you wish to do with that money is up to you. Tell us your financial ambitions; we will help you get there in the most tax efficient way possible

ESTATE PLANNING

"Legacy, Legacy, Legacy"

You wouldn't leave your children at home with a first time nanny without giving the nanny instructions of how best to take care of your children. Similarly, it's important that you leave detailed instructions on how and to whom your estate should be distributed upon your death. This is achieved through a valid Will.

No two Wills nor deceased Estates are the same. Like your fingerprint, your Legacy Planning needs are unique. Rigid solutions are therefore not possible to help you protect and deliver the legacy you so wish to leave. Simply doing a Will or taking a policy of sorts can certainly help secure your legacy but by no means are such solutions complete. Worst yet, done in isolation, they can even be counter-productive in terms of your needs.

TAX SERVICES

Not paying your taxes is a crime, paying more tax than you need to be paying is just frowned upon.

Tax submissions can be easy for some however for many individuals tax season brings with it feelings of anxiety and uncertainty. Done incorrectly, the tax return process may lead to unresolved audits, hefty penalties and possible convictions.
Let us carry the load for you so that you have one less thing to worry about.