Every product line.
One coordinated plan.

From your first policy in your twenties to drawdown in your sixties. Investments, insurance, medical aid, retirement, estate, business. Reviewed together, once a year.

Investment planning

Grow and protect
your wealth.

From cash and money markets to unit trusts, endowments, retirement annuities and offshore investing. We build portfolios that fit your goals, your risk appetite, and your time horizon.

Unit Trusts Lump sum investments Offshore investing Portfolio management Endowments
Read our Record of Advice

Insurance, long term.
Cover for life's uncertainties.

Robust coverage to secure your financial future, offering protection against life's uncertainties, including disability, critical illness, and loss of income.

Life assurance Income protection Disability cover Dread disease cover Estate planning
Talk to us about cover
Family protection planning
Medical aid and gap cover

Healthcare cover
that actually works.

We help you compare medical aid schemes and structure gap cover so you're not exposed to specialist shortfalls. Practical, plan-by-plan advice. Not a sales pitch.

Discovery Health Momentum Health Stratum Gap Cover Annual reviews
Compare medical plans

Insurance, short term.
Cover for your assets.

Flexible policies safeguarding your assets, providing financial protection against unforeseen events such as accidents, theft or natural disasters.

Vehicle insurance Household contents Buildings Annual policy reviews
Review your policy
Short-term insurance
Commercial insurance and business planning

Cover for the business
you've built.

Commercial insurance, employee benefits and business planning for owner-managed businesses. Protecting your assets, your team, and your continuity plans.

Commercial insurance Business planning Employee benefits Pension / Provident fund Retirement planning
Talk to us about your business

One broker.
Every part of your financial life.

Across every product line we advise on, the work is the same. Compare, coordinate, place properly, review yearly.

Business Planning
Estate Planning
Investments
Insurance (Long Term)
Medical Aid
Portfolio Management
Dread Disease Cover
Financial Planning
Income Protection / Disability
Life Assurance
Offshore Investing
Pension / Provident Fund
Employee Benefits
Gap Cover
Insurance (Short Term)
Lump Sum Investments
Retirement Planning
Unit Trusts
Not sure which advice you need? Book a free chat

The things
people usually ask about services.

Can't see your question? Ask us directly. We usually reply the same day.

Do I have to switch all my cover at once?
No. Start with the one you're least sure about. We'll review it for free, and if there's nothing to fix, we'll tell you. Most clients move things over gradually as policies come up for renewal.

Will you review my existing policies?
Yes, and the review is free. Send us your latest policy documents and we'll come back to you with a one-page summary. What's working, what's overpriced, where you're under-covered, where you'd save.

What's the difference between medical aid and gap cover?
Medical aid pays your day-to-day and in-hospital costs at scheme rates. Gap cover pays the shortfall when specialists charge above scheme rates. Together they protect you from the bills that catch most people out, especially in surgery.

How often do you review my plan?
Once a year, as a coordinated conversation across every product line. Salaries change, kids arrive, mortgages get paid off. The plan flexes with you, with the same advisor who set it up.

Can you advise on offshore investments?
Yes. Offshore investing forms part of most balanced portfolios we structure. We'll talk you through SARS allowances, currency considerations and the right vehicle for your specific situation.

Do I pay you a fee?
No. The advisory fee is built into every insurance premium, whether you go direct or through a broker. We're paid by the insurer once you take cover, not by you. Going direct doesn't save you the fee. It just removes the independent advice.