Retirement Planning that Lets You Enjoy Today and Secure Tomorrow
Retirement with financial independence and peace of mind isn’t a product you buy. It’s a goal you plan for with great care and strategy. Simply hoping that a product will cover it is far from reality. Achieving real security takes a thoughtful and detailed approach, and that’s what we’re here to help you build.
A professional retirement plan is a strategic investment in long-term financial stability. It reduces uncertainty, mitigates risk and provides a clear framework for making informed decisions. It also enhances tax efficiency, improves estate planning outcomes, and keeps your financial position adaptable as circumstances change.
Plan Ahead
Seamless Transition
Lasting Peace of Mind
One Retirement Plan – Structured to Guide You Before, Into, and Through Retirement.
Choose Your Ideal Option:
Self-Directed: Retirement Plan
- This option is for you if you prefer to manage your own plan but want a structured, professionally developed retirement strategy — designed and implemented for you.
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Plan Fee: R28 125.
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The plan fee is a once-off professional fee. Unlike percentage-based fees levied on investment capital, it stays fixed – so you don’t pay more for investing more.
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Ongoing advisor involvement is not included but can be requested on an hourly basis if needed.
Advisor-Guided: Retirement Plan
- This option is for you if you want a structured, professionally developed retirement strategy — designed, implemented and overseen on your behalf.
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Plan Fee: R28 125.
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The plan fee is a once-off professional fee. Unlike percentage-based fees levied on investment capital, it stays fixed – so you don’t pay more for investing more.
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The plan includes full proactive management. An annual fee, starting at 0.15% and capped at 0.50%, applies to assets under management. The rate reflects the level of ongoing advisory involvement.
No matter which plan you choose, your investments carry no upfront commissions, no ongoing commisions, no exit penalties, and no long-term lock-ins. This means reduced cost drag and greater potential for long-term growth.
The Cornerstones of a Successful Retirement Plan
Understand Your Retirement Needs
Calculate what it will cost to maintain your lifestyle after you stop working
Map Out Your Retirement Income
Identify all income streams – pensions, investments and property – and understand their reliability.
Make Your Money Last
Structure a plan to draw income sustainably so your savings last throughout your retirement.
Invest for Stability and Growth
Build a global portfolio that balances protection and growth, designed to mitigate inflation, currency, longevity, and sustainability risk.,
Stay Ahead of Inflation
Ensure your investments outpace rising costs, so your money retains its value.
Minimise Taxes in Retirement
Reduce unnecessary tax on withdrawals and maximise after-tax income.
Prepare For Health Costs and Long Term Care
Account for rising medical costs and unexpected care expenses without draining your savings.
Plan Your Estate Smoothly
Transfer your wealth efficiently to your family, with minimal tax and legal complications.
Lifestyle Enhancements
By understanding your progress and potential risks, you can confidently adjust your plan to enhance your current lifestyle while staying on track for the future
Keep Your Plan on Track
Regularly review and adjust your plan to stay aligned with your life and market.
The best financial planning does more than grow wealth. It brings clarity. It replaces anxiety with confidence. It focuses on outcomes that matter.
That’s what clients value. See for yourself: read what our clients say.
It’s never too late to invest in a retirement plan. It’s your key to reducing financial uncertainty and enjoying what truly matters sooner rather than later !
Start creating the life you want, today and tomorrow. Get in touch with us now.