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Whether you have a personal or business financial need, we have the personal or business solution for you.

FOR ME

What do you require professional assistance with?

Tools, training modules, short courses and knowledge assessments, tailored to improve your financial planning skills and enhance your ability to manage your financial affairs more proficiently.

Proudly developed in association with the Celagenix® Corporate Academy.

Advice regarding specific financial needs that do not require ongoing financial management by our team of finance professionals. Single needs include enquiries and requests related to, for example, budgeting, tax advice, policy amendments, general financial advice, home loans, vehicle finance, credit, debt consolidation, life insurance, bond cover, bank deposits, and general financial advice.

A high-level analysis of your current life insurance cover to ensure that your loved ones are provided for in the event of your death, that your income can be replaced n the event of your disability, or that you have adequate provision in place for unforeseen illnesses.

A thorough review of your personal income tax to ensure that you are utilising all available tax rebates and concessions to your advantage.

A comprehensive and insightful overview of your financial position, aimed at guiding you on your journey to financial freedom. Choose between a high-level summary of your policies and investments, a comprehensive analysis of your overall financial position, an evaluation of the liquidity and capital adequacy of your estate, OR purchase one of our fixed-fee CelaAudit® Financial -and Estate Planning packages for an all-inclusive service.

Online drafting of your Last Will and Testament, Living Will and related Testamentary documentation, and safeguarding thereof under our custodianship. In the event of your passing, we will take of the entire estate administration process from start to finish.

Suitable if you are accumulating wealth for your eventual or imminent retirement. Choose between a high-level assessment of your current provision for retirement, advice on saving or investing money for retirement, OR purchase one of our fixed-fee CelaAudit® Pre-Retirement Planning packages for an all-inclusive service.

We can also manage your entire pre-retirement investment portfolio on an ongoing basis for a nominal fee to ensure that your post-retirement income needs and expectations can be met.

Suitable if you already retired. Choose between a high-level assessment of your current income needs and capital provision, or advice on how to structure your retirement portfolio, OR purchase one of our fixed-fee CelaAudit® Post-Retirement Packages for an all-inclusive service.

We can also manage your entire retirement portfolio on an ongoing basis for a nominal fee so that you can focus on what truly matters.

Bespoke investment solutions if you want to save or invest money towards a specific goal or objective. Our offering covers the entire spectrum of personal investment solutions, including unit trusts, cash management facilities, bank deposits, structured deposits, endowments, sinking fund policies, retirement annuities, offshore investments, alternative assets, and collectibles. Choose between a high-level review of your current investment portfolio, advice on how to structure your investment/s for optimal risk-adjusted returns, OR purchase one of our fixed-fee CelaAudit® Investment Planning packages for an all-inclusive service.

We can also manage your entire investment portfolio on an ongoing basis for a nominal fee to ensure that you remain on track towards achieving your goals and objectives.

Suitable if you prefer for your investments and assets, where applicable, to be managed actively by our wealth advisors. From portfolio construction and strategic asset allocation to 24/7 access to your investment portfolio online, we have a wide range of new generation low-cost investment options and technologically advanced systems at our disposal.

Advising you on all matters related to your retrenchment, including withdrawal and/or reinvestment of your pension/provident fund benefit, assistance with coinciding administration, tax calculations, UIF submissions, and helping you to map your next steps. We’ll take your finances so that you can revive your vision of and for the future.

Reviewing and/or restructuring your Discovery policies and investments to enhance your existing benefits, optimise your integrators, and help you to improve your Vitality status for maximum benefits. This unique offering is only available to Discovery policyholders and investors.

Ensuring that you are sufficiently covered for medical emergencies, hospitalisation, and expenses that sprout from medical treatments, surgery, chronic conditions and/or severe illness. Our health services and solutions are provided by a trusted and accredited associate.

Protecting your valuable assets against unforeseen events, including full spectrum re-broking of your existing short-term insurance policy. Our short-term services and solutions are provided by a trusted and accredited associate.

Offering you exclusive use of our online Platform to create a secure, digital Life File under our custodianship in which you can store and retrieve your most important financial documents. Accessible by you or your loved ones from anywhere, on any device, anytime. As custodians, you may choose to give us permission to load your latest policy and investments data and information.

FOR MY BUSINESS

What do you require professional assistance with?

Tools, training modules, short courses and knowledge assessments, tailored to improve the financial planning skills of your employees and enhance their ability to manage their financial affairs more proficiently.

Proudly developed in association with the Celagenix® Corporate Academy.

Advice regarding a specific business need that does not require ongoing financial management. Championed by our seasoned business advisors and financial consultants, single needs include, inter alia, business planning, financial statement analysis, database optimisation, compliance standardisation and business process optimisation. Our offering is suited for businesses that aspire to improve their admin and operations.

Advice and holistic planning by our senior advisors across the entire spectrum of employee benefits, including inter alia, review and structuring, or restructuring, of group retirement funds, retirement fund administration, fund governance, member communication, member education, trustee support and actuarial services. Our offering also includes the review and structuring, or restructuring, of umbrella funds.

 

Assisting the Principal Officer, trustees, and steering committee of retirement funds to set investment objectives, formulate a regulatory compliant investment philosophy using our new generation low-cost investment solutions as benchmark, develop an Investment Policy Statement (IPS), and implement the overall investment strategy with seamless precision.

In-depth advice and planning around new or existing Group Life Benefits, including benchmark comparisons, re-broking, benefits enhancements, member communication, and actuarial services.   

In-depth advice and planning around new or existing Group Health Schemes, including benchmark comparisons, re-broking, benefits enhancements, member communication, actuarial services, and employee wellness initiatives.   

Planning for the transition of your business or Company to its successors. Our offering includes, inter alia, comprehensive business needs analyses, review or drafting of Shareholders’ Agreements, Buy-and-Sell Agreements, Succession / Business Continuity Plans, Loan Accounts, as well as the structuring, or restructuring, of related buy-and-sell, keyperson, -and contingent liability policies.

Professional advice to retrenched or retiring fund members regarding the preservation or investment of their retirement fund benefits, conversion of their group life benefits (if applicable), and immediate financial needs, including the tax implications upon withdrawal and (after-tax) payout and income scenarios.

Unlocking the latent growth potential of your business or Company by crafting strategies and tactics to bridge the gaps between the current state of your business and its ultimate destination or apex, taking your internal and external business environment into consideration, and ensuring that the strategic direction, priorities, and performance objectives set by the leadership of your business are understood, embraced, and cultivated by employees and other stakeholders across your entire value chain.

Balancing the needs, interests, and expectations of your material stakeholders with the interests of your business or Company, and its customers or clients, over time, using a combination of adaptive governance programs and digital resources in conjunction with our CelaAudit® Strategic Information System. We also assist with board evaluations, performance appraisals and AGMs, using our technology to introduce and embed new ways of conducting cross-organisational governance.

Our Labour Law Assistance offering is a total employee misconduct and capability solution, crafted to meet the internal

labour and/or customer/client dispute resolution needs of businesses and employers across all sectors and industries. We also provide comprehensive training to internal Decision-Makers and Management Representatives, based on the clear principles of natural justice, as well as those set by the CCMA. Our legal advisors are qualified and experienced to conduct and oversee disciplinary hearings.

Assisting businesses to get back on track after a severe setback, including the development and implementation of business turnaround strategies, financial and business analyses to uncover actionable insights, business continuity planning, and the procurement of seed funding or venture capital.

Managing the needs, behaviours and expectations of your business or Company’s material stakeholders and employees that sprout from occurring, likely or proposed changes to your corporate and business strategies, organisational structure, governance, business model, value proposition or competitive differentiators.

Aligning the decisions by your business or Company’s leadership with the actions required to grow shareholder value, using a combination of financial -and business analysis to position and prompt the allocation of financial resources to growth imperatives and tactical initiatives. We also facilitate the funding of assets, growth initiatives and mergers / acquisitions.

Protecting your business or Company’s assets against unforeseen events, including the structuring, or restructuring, and re-broking of short-term commercial insurance policies. Our short-term commercial services and solutions are provided by a trusted and accredited associate.

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Book a 45-minute online Personal Financial Planning Consultation*

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