Services
Private Wealth Services
01
Trust and Family Wealth Structuring
A trust should have a clear purpose and form part of the wider family plan.
I help clients:
- Consider whether a trust may be appropriate for your circumstances
- Review existing trusts and ownership structures from a financial-planning perspective
- Structure investments held by trusts
- Identify unnecessary complexity, duplication or administrative concerns
- Coordinate with attorneys and fiduciary specialists where legal or trust advice is required
02
Estate and Succession Planning
A will is important, but it is only one part of a practical estate plan.
I help clients:
- Review their wills and existing estate plans
- Estimate possible estate-duty and capital-gains-tax exposure
- Consider how sufficient estate liquidity may be created
- Review beneficiary nominations and ownership structures
- Identify possible misalignment between wills, trusts, companies, policies and investments
- Coordinate with legal, fiduciary and tax specialists where required
03
Offshore Investment Planning
Offshore investing should reduce concentration risk and support the family’s long-term goals. It should not be treated as a short-term reaction to the rand or political events.
I help clients:
- Decide how much of their overall wealth should potentially be invested offshore
- Consider existing exposure to South Africa, the rand, local property and business interests
- Select suitable offshore investment structures from the approved provider panel
- Review existing offshore portfolios
- Coordinate specialist tax, exchange-control, estate or cross-border advice where required
04
Local Investment Planning
Local investments should support the client’s income needs, liquidity requirements, risk profile and wider financial plan.
I help clients:
- Design an investment strategy around their goals
- Select suitable investment products and portfolios from the approved provider panel
- Review existing investments, performance and fees
- Invest cash held by individuals, companies and trusts
- Consider fixed-term and guaranteed investment options where appropriate
- Coordinate local investments with retirement, offshore and estate-planning needs
Also included
Supporting areas of advice
Retirement Planning
This may include reviewing retirement funds and annuities, preparing for retirement, creating sustainable income and coordinating retirement assets with the client’s broader investment and estate plan.
Risk and Insurance Planning
This may include life cover, disability and income protection, critical illness cover, business assurance, estate-liquidity cover and reviews of existing policies.
These solutions are considered where they support the broader financial plan and are not positioned as standalone product sales.
Approach
One plan, not a collection of products
A trust decision can affect an estate plan. An offshore investment can affect tax, liquidity and succession. A retirement-income decision can influence the investment portfolio and the assets ultimately available to the next generation.
For this reason, I do not begin by selecting a product. I first try to understand the purpose of the money, how the different assets and structures interact and which risks or gaps require attention.
Where additional expertise is needed, I work with the client’s existing professionals or help coordinate suitable specialists.
Clients
Who I work best with
These services are designed for established individuals, families, trusts and business owners with meaningful wealth, multiple financial interests or more complex planning needs.
The practice is generally suited to clients seeking comprehensive or ongoing advice rather than a once-off quotation or the cheapest individual product.
Next step
Discuss the areas that require attention.
The first 45-minute meeting is an introductory conversation to understand your position and determine whether there is a suitable basis for working together.