wealth redefined.TM
Wealth management & financial planning
Your journey to well-being
We understand that most people prefer to get on with the business of living rather than spending time worrying about financial planning. This makes our purpose clear: we use our expertise to guide, grow and protect your wealth and empower you to experience financial well-being as defined by you.
We believe that proper planning is vital for your journey to financial well-being. We first develop a customised financial plan suited to your needs and financial objectives, then we implement the product solutions recommended for you and lastly, we monitor your progress and make changes were required to ensure that you meet your objectives successfully over time.
Our approach to wealth management
Throughout your lifetime, you and your finances will go through different phases – sometimes you will have more disposable income and other times you will have less to save. Sometimes you will feel more conservative, while other times you may feel more confident to take on a bit more risk. And although the intention is to always have a smooth journey and to plan for the unexpected, we know that life sometimes can take a few twists and turns.
To help you make sense of your financial journey, we follow a simple three step process during the financial planning process:
Step 1:
Manage your risk
As you grow personally and professionally, you face greater responsibilities and more risks. We can assist you in making the best risk management choices for yourself, your family and your business. Risks are a fact of life, but if managed properly you don’t need to lose any sleep worrying about them. Wealth Associates can assist you in making the best risk management choices for yourself, your family, and your business.
Typically, you would consider the following financial solutions to manage your risks:
• Life insurance – to protect your dependents and leave a legacy.
• Short-term insurance – to protect your precious belongings.
• Health insurance and medical aid – to protect your health.
• Gap Cover – to protect you from medical shortfalls.
• Short term investments – grow your money while still having access to it.
• Employee benefits – looking after your employees.
• Fiduciary services – making sure you have a will in place.
• Funeral products – making it easier on those you have left behind.
Step 2:
Grow your wealth
Your risks are covered and your income has grown. You have some room to invest in your future retirement, your children’s tertiary education, that holiday you have been dreaming about, or a new hobby.
Wealth Associates has extensive experience in structuring customised portfolio solutions for every client based on a clear understanding of your risk and return profile. As this step is all about growing your wealth, the following investment solutions may be recommended:
• Share portfolios – investing directly on the stock exchange.
• Unit trust investments – leaving the growth of your investment to professional asset managers.
• Retirement solutions – to provide for your later years, while taking advantage of tax benefits
• Structured products – a pre-packaged solution providing additional diversification.
• Offshore investments – for those wanting to diversify their investments offshore.
• Private equity – investing directly into businesses
Step 3:
Preserve and enjoy your wealth
You have accumulated wealth and you want to start enjoying your wealth, while still preserving it to meet your income requirements. Wealth Associates will provide you with guidance on how to structure your wealth appropriately, while also providing guidance on tax, fiduciary and intergenerational planning. Investment solutions are often bespoke and tailored to your unique wealth and legacy requirements.
Our approach to wealth management
Step 1: Manage your risk
You are earning an income and taking on more debt. As you grow personally and professionally, you face greater responsibilities and more risks.
We can assist you in making the best risk management choices for yourself, your family, and your business.
- Life insurance – ensuring peace of mind for loved ones.
- Short-term insurance – protecting your precious belongings.
- Health insurance and medical aid – protecting your health.
- Gap Cover – protecting you from medical shortfalls.
- Short term investments – growing your money while still having access to it.
- Employee benefits – looking after your employees.
- Fiduciary services – making sure you have a will in place.
- Funeral products – making it easier on those left behind.
Step 2: Grow your wealth
Your risks are covered, your income has grown and you have room to invest. You require tailor-made investment solutions to make your dreams a reality.
We can structure customised portfolio solutions for you based on your unique risk and return profile.
- Share portfolios – investing directly on the stock exchange.
- Unit trust investments – utilising the skills of professional asset managers.
- Retirement solutions – providing for later years, while taking advantage of tax benefits.
- Structured products – a pre-packaged solution providing additional diversification.
- Offshore investments – for those wanting to diversify their investments offshore.
- Private equity – investing directly into businesses.
Step 3: Preserve and enjoy your wealth
You have accumulated wealth and want to start enjoying life, while still preserving and growing your investments to meet your income requirements.
We can structure your wealth and provide guidance on tax matters, fiduciary solutions and legacy planning.
Step 1: Manage your risk
You are earning an income and taking on more debt. As you grow personally and professionally, you face greater responsibilities and more risks.
We can assist you in making the best risk management choices for yourself, your family, and your business.
- Life insurance – to protect your dependents and leave a legacy.
- Short-term insurance – to protect your precious belongings.
- Health insurance and medical aid – to protect your health.
- Gap Cover – to protect you from medical shortfalls.
- Short term investments – grow your money while still having access to it.
- Employee benefits – looking after your employees.
- Fiduciary services – making sure you have a will in place.
- Funeral products – making it easier on those you have left behind.
Step 2: Grow your wealth
Your risks are covered, your income has grown and you have room to invest. You require tailor-made investment solutions to make your dreams a reality.
We can structure customised portfolio solutions for you based on your unique risk and return profile.
- Share portfolios – investing directly on the stock exchange.
- Unit trust investments – leaving the growth of your investment to professional asset managers.
- Retirement solutions – to provide for your later years, while taking advantage of tax benefits
- Structured products – a pre-packaged solution providing additional diversification.
- Offshore investments – for those wanting to diversify their investments offshore.
- Private equity – investing directly into businesses
Step 3: Preserve and enjoy your wealth
You have accumulated wealth and you want to start enjoying your wealth, while still preserving it to meet your income requirements. Wealth Associates will provide you with guidance on how to structure your wealth appropriately, while also providing guidance on tax, fiduciary and intergenerational planning. Investment solutions are often bespoke and tailored to your unique wealth and legacy requirements.