BRENT COCKS
TANYA LUND
NATALIE SIMONS
GILL NELL
AISHA DADOO
MICHELLE HARDY
JULIET LUBBE
FINANCIAL, LIFE & BUSINESS COACHING
Managing what you earn is often more important than how much you earn but nowhere near as important as achieving a healthy life/work balance. From understanding your personal psychology of money to identifying your “financial life” goals and aspirations, we will facilitate and assist you in creating and achieving goals that really matter, to you and your family.
HEALTHCARE
Private medical cover is an expensive piece of mind purchase that you hope you’ll never have to use. If you do need it you want to know that you are properly covered. Being Independent allows us to source the most appropriate medical and gap cover for your particular situation ensuring you’re not over paying or under insured.
PET INSURANCE
Looking after the whole family is important to us. Whether your pet is ill, injured themselves, been involved in an accident or fight, don’t let the prospect of a big vet bill prevent your best friend from getting the medical treatment they need. Our own pet insurance products DogSure & Catsure are designed to provide simple, comprehensive cover.
LIFE & DISABILITY INSURANCE
Do you know for sure what financial position you or your loved ones would be in if you were unable to work due to death, disability or illness? We are able to tell you exactly what your current position is, develop a plan for your unique situation and provide comparative quotes from South Africa’s top Life Insurance Underwriters. Once implemented we’ll review your circumstances regularly to ensure that your life insurances still meet your requirements.
ESTATE PLANNING
Born free, taxed at death. Passing away can be an expensive affair and a badly structured estate can leave your loved ones with far less money than you hoped. Delays in winding up an estate can also prolong the trauma already experienced by your death. We will calculate all your expected Estate Expenses (Executors fees, Estate Duty, Capital Gains Tax, Conveyancing Fees and debts) so you know what will be left for your beneficiaries. From there we can advise you how best to structure you estate to minimize expenses at death. In association with our attorneys we can redraft your Will and set up Family and Business Trusts were necessary.
BUSINESS ASSURANCE
Ever thought of going into business with your business partners spouse? What would happen if an important person in your business could no longer work? These are important considerations and should be part of every businesses Risk Management Plan. We are able to advise on and structure your Buy & Sell Agreements, Key Person Assurance and Business Contingency Cover to ensure the ongoing success of your business if tragedy strikes.
INVESTMENTS
You’ve work hard for your money and deserve to have it properly invested and looked after. With so many options to choose from (Money Market, Retirement Annuities, Unit Trusts, Endowments, Property, Stock Market etc.) where do you start? We’ve been managing and growing our clients wealth since 2001 during some of the most volatile economic periods in history. We only use South Africa’s most reputable Fund Managers and believe that the strategic allocation of your funds should deliver the desired returns while minimising risk.
