Personal
financial

planning
and
advice

Highly specialised financial planning and advice to individuals, geared around service excellence, digital capability, and the flexibility to choose from various services and pricing options.

How we help clients

Advice regarding specific, once-off financial needs that do not necessarily require ongoing management by a finance professional, for example, budget assistance, financing a property, purchasing a vehicle, analysing an investment opportunity, or unpacking options and alternatives following your resignation or retrenchment.

Legacy planning with your entire family unit to ensure cross-generational alignment, establish and implement wealth transfer structures and strategies, and mitigate the risks and skewed expectations that many families and family members face due to a lack of inclusive financial planning and management.

Suitable if you need your investments and assets to be managed actively by professional wealth managers. 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 the best technology at our disposal. Where mandated, we will manage your entire investment portfolio ensure that you remain on track towards achieving your goals and objectives.

Comprehensive and insightful analyses of your financial status, aimed at guiding you on your financial wellness journey. Choose between a high-level consolidation and review of your policies and investments, a detailed analysis of your overall financial position to identify priorities and shortfalls, or opt for one of our fixed-fee CelaAudit® Financial Planning packages for an all-inclusive service.

Bespoke investment solutions if you want to save or invest money towards a specific goal or objective for yourself, your family and/or your children. Our offering includes a wide range of outcome-based local and offshore investment solutions, inter alia unit trusts, shares, cash deposits, endowments, alternative assets, and offshore solutions. Choose between a high-level review of your existing investment portfolio, advice on how to structure your investment/s for optimal risk-adjusted returns, or opt for one of our fixed-fee CelaAudit® Investment Planning packages for an all-inclusive service.

Holistic consolidation and review of your life insurance policies with targeted advice regarding the benefits, structuring, tax, estate duty implications, growth patterns, guaranteed terms, and alternative solutions, where suitable.

Review and evaluation of your personal income tax to ensure that you are utilising all available tax rebates and concessions to your advantage, both locally and offshore.

Bespoke investment solutions if you want to save or invest money towards a specific goal or objective for yourself, your family and/or your children. Our offering includes a wide range of outcome-based local and offshore investment solutions, inter alia unit trusts, shares, cash deposits, endowments, alternative assets, and offshore solutions. Choose between a high-level review of your existing investment portfolio, advice on how to structure your investment/s for optimal risk-adjusted returns, or opt for one of our fixed-fee CelaAudit® Investment Planning packages for an all-inclusive service.

Ensuring that your loved ones and beneficiaries are provided for, and that your estate is solvent, in the event of your death.

Ensuring that you have adequate provision in place for unforeseen illnesses that can severely impact your life and finances, even with medical aid cover, such as cancer, a heart attack, stroke, or coronary artery disease.

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 opt for one of our fixed-fee CelaAudit® Pre-Retirement Planning packages for an all-inclusive service.

Solutions to ensure that your income can be replaced and your capital needs addressed in the event of your temporary or permanent disability and physical impairment.

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

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.

Review and/or drafting of your Last Will and Testament (local and offshore), Living Will, Healthcare Directive and related Testamentary documentation to mitigate estate and offshore probate risks, and ensure that your wealth and assets are distributed in accordance with your wishes and instructions. In the event of your passing, we will take care of the entire estate administration process from start to finish in association with our trusted partner.

Our private wealth service is available to affluent individuals with diversified assets, unique investment needs, and complex lifestyle, family and/or business objectives, who need the ongoing dedication and involvement of a panel of finance professionals. Our offering extends across five critical financial dimensions:
1. Financial and tax planning,
2. Family and lifestyle planning,
3. Legacy planning,
4. Wealth management, and
5. Business management (where applicable).

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

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