Firm | Sanlam Financial Advisor |
Suburb | Hartbeespoort |
Address | 19 Malan Street, Schoemansville, Hartbeespoort, 0126 See Map |
GPS | -25.725676, 27.873209 |
FSP Licence | FSP 2579 |
Languages | English, Afrikaans (in order of proficiency) |
Tel | 0122530093 |
Cel | 0798821655 |
Qualifications | |
- Professional Accountant (SA)
- National Diploma - Internal Auditing
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Retirement | |
Investments | |
Estate Planning | |
Life and Disability | |
Medical schemes | |
Short-term insurance | |
Business Assurance | |
Group Schemes |
FOCUS
Life & disability assurance and tax planning.OTHER SERVICES
Personal Tax Planning.
Corporate Tax planning.
Personal Income Tax.
OTHER COMPANIES REPRESENTED
Companies through which more than 30% of income is derived:
Sanlam
- 14 years Financial Industry experience.
- 4 years experience as Financial Manager of award winning KFC franchisee group of restaurants.
Luke Swart is a Financial Advisor working for Sanlam. Luke spesialises in life and disability cover including income protection. Luke is also a qualified Professional Accountant (SA) with several years experience in tax and financial management. Luke served as Financial Manager to the award winning Van Eeden Kitskos (Pty) Ltd group which was voted YUM! brand's KFC African franchisee of the year in 2011.
Minimum Levels of Premium/Investment accepted | Lump Sum: R10000.00 Recurring monthly: R250.00 |
Remuneration | Fee and Commission |
Legal structure of employer | (Pty) Ltd company |
Number of staff | 2 |
Indemnity insurance | Insurance: no |
Mr. ANTONY BRADY
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Firm |
Brady Financial Planning |
Suburb |
Cresta |
Address |
UNIT 1, Stonecrest, Republic Road, Cresta, Johannesburg, 2194 |
GPS |
-26.11278, 27.95738 |
FSP Licence |
13572 |
Languages |
English, Afrikaans (in order of proficiency) |
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Tel |
0833733265 |
Cel |
0833733265 |
Fax |
0866116173 |
Website |
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Qualifications |
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- PFM-Unisa (Distinction) |
Email Me: View Map:
SERVICES
Retirement |
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Investments |
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Estate Planning |
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Life and Disability |
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Medical schemes |
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Short-term insurance |
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Business Assurance |
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Offshore Investment |
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Group Schemes |
FOCUS
Holistic, pro-active Financial Planning - specialising in helping you achieve your investment goals.
OTHER SERVICES
Gap Cover
COMPANIES REPRESENTED
OTHER COMPANIES REPRESENTED
Prudential
Companies through which more than 30% of income is derived:
Allan Gray
EXPERIENCE
Have been studying investments since school. Worked for SCMB (Standard Bank) and overseas. Always updating my knowledge on investment trends. My friends and family are highly respected Financial Analysts /traders and my clients are able to benefit from these extra resources. Prospective clients are welcome to contact existing clients for feedback on service levels and performance. I represent Gauteng Provincial tennis and compete in tournaments, I also run half marathons. Recently won a CNBC competition for predicting exchange rate movement. Contribute to various financial publication articles such as Finweek and FM.
I am an Independent Financial Planner and member of the internationally recognized Financial Planning Institute, which means that I have to adhere to a strict code of ethics and am obliged to comply with a high level of ongoing education to maintain my membership.
June 2017
During this low growth and recessionary period, try to pay off your debt! The interest on your debt is most likely higher than any growth on a traditional savings plan in a recessionary environment, so paying off your debt and saving that interest is the most appropriate strategy.
List your debts from the highest to the lowest interest rates (factor in charges) and channel any extra income into the most expensive debt first.
Invest as much as possible into retirement funds – which is the best investment you can make as you can invest with pre-tax money, so you save the money you would have paid on tax, effectively guaranteeing a better growth rate. You can invest up to 27.5% of your pre-tax income up to R350 000 in retirement funds and benefit from paying lower tax.
Look at tax-free savings accounts, where you can invest up to R33 000 a year in a tax-free account, up to a lifetime maximum of R500 000.
BUSINESS PRACTICES
Minimum Levels of Premium/Investment accepted |
Lump Sum: R5000.00 |
Remuneration |
Fee OR commission |
Legal structure of employer |
unknown |
Number of staff |
1 |
Indemnity insurance |
Insurance: yes |
LATEST NEWS AND VIEWS
August 15th update (some points made by Coronations's head of developed market equities, Louis Stassen.)
Your view on the rand should not drive your decision to invest offshore,” If you are investing offshore you should rather be thinking about your long-term strategy in terms of diversification and portfolio optimisation.”
It is incredibly difficult even for the most informed economists to correctly predict where the rand will go. For the average investor, it is impossible.
Therefore short-term movements in the currency should never inform the decision on whether to invest offshore.
Going offshore allows investors to diversify and not have all “your eggs in one basket!” This ensures that they are not overly exposed to any single risk (political, currency, commodity etc).
Because we don’t know what’s going to happen, portfolios need to be as robust as possible. That doesn’t mean that funds will always go up, but that they won’t suffer any major losses.
Being exposed to different countries, different currencies, and different markets is simply good risk management. For investors living in a relatively small economy like South Africa, this is particularly important.
On a purchasing power parity basis, South Africa contributes less than 1% to world GDP. The JSE represents only around 1% of the total market capitalisation of all the world’s stock exchanges.
The MSCI World Index has 2 500 constituents. The FTSE/JSE All Share Index has only 160.
By only investing locally, investors are therefore significantly limiting their opportunity set and concentrating their risk.
If you are in such a small part of the world, why would you keep most of your money here, especially since exchange controls have been loosened. That’s not to say that everything outside is good or better, but there is so much more opportunity.
August 1 2016
With the assistance of your Financial Planner, review your holding of JSE Top 40 stocks with above-average P/E’s .
June 2016
There will be volatility around the “Brexit” vote; volatility generally means opportunity for longer-term investors.
"The time of maximum pessimism is the best time to buy and the time of maximum optimism is the best time to sell.” - John Templeton (Net Worth $20 Billion)
November 2015
As with Investment Markets, "there is always this to be said for politics: it is never static. If the good times do not last, neither do the bad. Like Nature, it follows a perpetual cycle of growth and decay, and no statesman, however cunning, is immune to this process"
October 2015 update
Exchange Traded Funds: Recent figures show that even among passive funds there has been a big divergence in performance. Certain strategies or mandates have stood up well in the market conditions (increased volatility) and others have struggled.
This doesn’t necessarily show that some strategies are better or worse than others. It is rather an indication of how they perform during a period in the cycle.
This is important for investors in index funds, as it shows how these funds can sometimes show a low correlation to the market and each other. It is therefore vital to understand the strategies behind the indices they are tracking and how these respond to different conditions. Make sure you have appropriate exposure to reach your individual goals!
2015 update
On US interest rates:
‘This is my forecast for rates and I know I'm going to be right, so pay close attention, okay? Rates are going to go up sooner or later than you think and differently than you think, and someone is going to be surprised’
- Jamie Dimon, CEO JP Morgan
“A huge mistake that many of us make is to work hard our entire life for money and not require money to work for us in return.”
Europe has become 30% more competitive to USA due to currency devaluation!
2014 update:
Lower return expectations in respect of all asset classes Local market is expensive, stick to long –term strategy Negative psychology that isn't based on the fundamentals creates opportunity for long-term investors! “The last several years have provided an unusually clear opportunity to witness the swing of the pendulum and how consistently most people do the wrong thing at the wrong time. When things are going well and prices are high, investors rush to buy, forgetting all prudence. Then, when there’s chaos all around and assets are on the bargain counter, they lose all willingness to bear risk and rush to sell. And it will ever be so” Howard Marks (2011)
Although the Rand has depreciated significantly this year, the exchange rate remains vulnerable in the longer term to weaker commodity prices, a reduction of foreign investment inflows and the social risk stemming from the disconcertingly high unemployment rate among South Africa’s many young people. If you have not reviewed your offshore asset allocation make sure you do have the appropriate exposure. Monitor and review your budget as this will help you achieve your financial goals.
According to Russel Lamberti, Stats SA’s ‘official’ CPI inflation rate understates what’s really going on! A Wimpy burger and chips cost 35 cents in 1972 and now costs R39. The Wimpy price has gone up 11000% but Stats SA official CPI inflation rate has gone up about 5000%.
MEMBER SINCE | 2005 |
Firm | Round Square Financial Services |
Suburb | Allensnek |
Address | 22 Kudu St, Allensnek, Roodepoort, 1737 See Map |
GPS | -23.82194, 30.162878 |
FSP Licence | 703 |
Languages | English Afrikaans (in order of proficiency) |
Tel | 0114754503 |
Cel | 0848369611 |
Fax | 0867593112 |
Website | www.osquare.co.za |
Qualifications | |
Certificate in Estate Agency |
Retirement | |
Investments | |
Estate Planning | |
Life and Disability | |
Medical schemes | |
Short-term insurance | |
Business Assurance | |
Offshore Investment | |
Group Schemes |
FOCUS
Ensuring that my clients portfolio is maximized for tax and estate duty purposesOTHER SERVICES
We also offer. Tax, Accounting, HR, Branding and in-house solutions
I have been with Telkom for 17 years where I spent my last 7 years consulting to Senior Management on Finance Management. In 2002, I joined Old Mutual as an Financial Advisor. In 2003 I was appointed as Sales Manager. I am accredited through Old Mutual to give specialzed service to my clients. Awards recieved was the Beginners Prize 2002, Area Manager Award 2002, Achievement Award 2003, Special Award 2003 (Chairman's Prize), Qualifiying for Member, Bronze and Silver in Club 51 within 12-18 months. I enjoy playing Golf and Cycling. Currently I am with Round Square Financial Services where we offer so much more. Insurance solutions, HR, Accounting and Tax Solutions.
Minimum Levels of Premium/Investment accepted | Lump Sum: R20000.00 Recurring monthly: R500.00 |
Remuneration | Commission only |
Legal structure of employer | (Pty) Ltd company |
Number of staff | > 50 |
Indemnity insurance | Insurance: yes Value: R5000000.00 |
ADRIAN BUTCHER
Firm |
Discovery |
Suburb |
Gauteng |
Address |
155 West Street, Sandton, 2031 |
GPS |
-, |
FSP Licence |
18147 |
Languages |
English, Afrikaans (in order of proficiency) |
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This email address is being protected from spambots. You need JavaScript enabled to view it. |
Tel |
0113937919 |
Cel |
0718709773 |
Qualifications |
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NQF level 5 |
This email address is being protected from spambots. You need JavaScript enabled to view it.: View Map:
SERVICES
Retirement |
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Investments |
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Estate Planning |
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Life and Disability |
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Medical schemes |
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Short-term insurance |
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Business Assurance |
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Offshore Investment |
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Group Schemes |
FOCUS
Financial Advisor specialising in business assurance, retirement planning and investments. Giving advise on all Discovery products
OTHER SERVICES
Trusts, Accounting and tax
COMPANIES REPRESENTED
OTHER COMPANIES REPRESENTED
EXPERIENCE
Started my career as a Financial Advisor at Standard Bank in 2007 before I joined Discovery in 2009.
I am passionate about the Financial services industry and the diffrence I get to make in my client's lifes on a daily basis.
I achieved gold and platinum status as a Discovery Financial Advisor.
5 Reasons why you should choose Discovery Life:
· the most comprehensive cover in the market
· upfront and ongoing discount for healthy living and driving well
· only life insurer to reward you throughout your policy term even if you claim
· cover that automatically adapts your benefits according to your changing needs
· we have an exemplary claims record
Discovery Life - Intelligent Insurance for life
BUSINESS PRACTICES
Minimum Levels of Premium/Investment accepted |
Lump Sum: R100000.00 |
Remuneration |
Fee and Commission |
Legal structure of employer |
unknown |
Number of staff |
6 - 10 |
Indemnity insurance |
Insurance: yes |
Mnr ANTON PHILIP DE WET
MEMBER SINCE |
2004 |
Firm |
Brokers Incorporated Gauteng |
Suburb |
Monument Park |
Address |
14 Piet My Vrou street, Monument Park, Pretoria, 0181 |
GPS |
-25.798268, 28.227224 |
FSP Licence |
15313 |
Languages |
not specified |
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This email address is being protected from spambots. You need JavaScript enabled to view it. |
Tel |
347 9432 |
Cel |
082 856 9668 |
Fax |
347 9421 |
Website |
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Qualifications |
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National Diploma in Marketing |
This email address is being protected from spambots. You need JavaScript enabled to view it. Map:
SERVICES
Retirement |
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Investments |
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Estate Planning |
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Life and Disability |
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Medical schemes |
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Short-term insurance |
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Business Assurance |
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Offshore Investment |
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Group Schemes |
FOCUS
All round financial planning for clients in the Free State and Gauteng
COMPANIES REPRESENTED
OTHER COMPANIES REPRESENTED
MCubed
PIC
Companies through which more than 30% of income is derived:
Metropolitan
EXPERIENCE
10 years as a Senior Financial Advisor for Sanlam.
2 Years as an Independent Broker.
I like to LIve, Learn, and Leave a Legacy.
BUSINESS PRACTICES
Minimum Levels of Premium/Investment accepted |
Lump Sum: R1000.00 |
Remuneration |
Commission only |
Legal structure of employer |
(Pty) Ltd company |
Number of staff |
6 - 10 |
Indemnity insurance |
Insurance: yes |
BEN-JEANNE VILJOEN
Firm |
Sanlam |
Suburb |
Pretoria |
Address |
C/O Alkantrant & Sanlam Street, Lynwood, Pretoria, 0081 |
GPS |
-25.766158, 28.283386 |
FSP Licence |
1998/021121/06 |
Languages |
English, Afrikaans (in order of proficiency) |
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This email address is being protected from spambots. You need JavaScript enabled to view it. |
Tel |
0873648403 |
Cel |
0825690850 |
Fax |
0866067830 |
Qualifications |
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BCom MBM |
This email address is being protected from spambots. You need JavaScript enabled to view it. See Map:
SERVICES
Retirement |
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Investments |
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Estate Planning |
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Life and Disability |
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Medical schemes |
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Short-term insurance |
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Business Assurance |
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Offshore Investment |
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Group Schemes |
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FOCUS
BEN-JEANNE VILJOEN is authorized to give advice and provide intermediary services on the following products:
• Sanlam Life long-term • Retirement Planning • Investments • Estate Planning • Life and Disability Assurance • Medical schemes • Short term insurance • Business Assurance • Offshore Investments • Group Schemes
OTHER SERVICES
Director of Plexikitchens www.plexikitchens.co.za
COMPANIES REPRESENTED
OTHER COMPANIES REPRESENTED
EXPERIENCE
BUSINESS PRACTICES
Minimum Levels of Premium/Investment accepted |
Lump Sum: R50000.00 |
Remuneration |
Commission only |
Legal structure of employer |
(Pty) Ltd company |
Number of staff |
1 |
Indemnity insurance |
Insurance: no |
Mrs DEE SUNNY
MEMBER SINCE |
2005 |
Firm |
Borland Financial Services - FIRSTGLOBAL GROUP |
Suburb |
Head Office: Durban |
Address |
G54 Musgrave Park, 18 Musgrave Road, Berea, 4001 |
GPS |
-29.85264, 30.99953 |
FSP Licence |
843 |
Languages |
not specified |
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Tel |
031 - 202 9113 |
Fax |
031 - 201 8801 |
Website |
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Qualifications |
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This email address is being protected from spambots. You need JavaScript enabled to view it. See map:
SERVICES
Life and Disability |
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Medical schemes |
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FOCUS
Medical Schemes, Life & Disability
COMPANIES REPRESENTED
OTHER COMPANIES REPRESENTED
FMI, TSA, NIMAS
Companies through which more than 30% of income is derived:
Discovery Health and Momentum Health
EXPERIENCE
I have 15 years experience in Medical Schemes and Life & Disability products, both as an administrator and consultant.
I am currently the servicing consultant to a number of national corporate medical schemes with focus in the KwaZulu Natal and Gauteng regions.
I am a family woman and enjoy gym and outdoor pursuits and am also very involved in church activities.
OTHER LISTED MEMBERS OF THIS FIRM
BUSINESS PRACTICES
Minimum Levels of Premium/Investment accepted |
Lump Sum: not specified |
Remuneration |
Fee and Commission |
Legal structure of employer |
(Pty) Ltd company |
Number of staff |
6 - 10 |
Indemnity insurance |
Insurance: yes |