Independent financial advisor in Northcliff.
Northcliff is our neighbourhood. Many clients here have been with us for decades, and are now planning what comes after work.
Planning the years after work.
Northcliff, Cresta and Blackheath sit right next to our Bromhof office. A large share of the families we advise here are close to retirement or already enjoying it, and their questions have changed from building wealth to drawing an income from it that lasts.
We plan living and life annuities, lump sums and the tax on them, then make sure the estate plan, the will and the beneficiary nominations all match. Older homes also tend to be under-insured, so we check that buildings cover reflects what a rebuild would really cost.
What Northcliff clients ask us about.
Every product line is covered, but these are the conversations we have most often here.
Retirement income
Living annuities, life annuities and lump sums planned for a reliable, tax-aware income.
Learn moreEstate planning
Wills, trusts and beneficiaries lined up to keep delay, cost and conflict to a minimum.
Learn moreBuildings and contents cover
Sums insured checked against true rebuild and replacement values.
Learn moreWhere we work around Northcliff.
We advise clients in these suburbs and the surrounding areas, in person at our Bromhof office, at your home for a first meeting, or by video.
- Northcliff
- Blackheath
- Cresta
- Fairland
- Linden
- Darrenwood
- Victory Park
- Emmarentia
- Albertskroon
- Montgomery Park
We meet
A thirty-minute conversation over coffee in Randburg or a video call. We listen first, then ask the questions that uncover what your plan is missing.
We review
Bring your latest policies. We come back with a one-page summary. What's working, what's overpriced, where you're under-covered, where you'd save.
We place
If you agree, we move the cover. The insurer pays the advisory fee. New cover replaces old cover only once it's confirmed in place.
We stay
One review a year, every year. Salaries change, kids arrive, mortgages get paid off. The plan flexes with you, with the same advisor.
Questions from Northcliff.
How do I make my retirement savings last?
By choosing the right mix of living and life annuities, setting a sustainable drawdown rate and reviewing it every year. We model it with you and adjust as markets and needs change.
Is my home under-insured?
Many older homes are, because the sum insured has not kept up with building costs. If you claim, the insurer can reduce the payout in proportion. We check your sum insured against a realistic rebuild cost.
Can you help my children understand my plan?
Yes. Many of our clients involve their adult children in reviews, so everyone knows where the policies are and what happens when.
Talk to an advisor about Northcliff.
Thirty minutes, no obligation. In person in Randburg, at your home for a first meeting, or by video.