Retirement income you can count on
Turn a lifetime of savings into a steady monthly income, so retirement feels like a chapter you planned for rather than a cliff you arrived at.
Financial planning for South African families
The plan that holds when life doesn’t go to plan.
School fees, a bond, ageing parents, and a retirement that still needs funding. I build one plan that carries all of it — so your family stays secure whether the next twenty years are kind or not.
- No cost for the first meeting
- Nothing is sold before I understand your position
- Authorised financial services provider
Most families are not underinsured because they were careless. They are underinsured because nobody ever sat down and did the arithmetic with them. That is the whole job.
Ameen Nabi — Financial Adviser
The shape of starting early
Time does more of the work than timing ever will
The single biggest lever a family has is how early it begins. Not the fund, not the market, not the perfect month to start — the number of years the money is left alone to do its job.
- Starts at 25
- 40 yrs of contributions
- Starts at 45
- 20 yrs of contributions
- Same monthly amount
- 2× the time in the market
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Build, grow and secure your financial future
Investment strategies designed around your actual life — the bond, the school fees, the holiday you keep postponing — not around a generic risk profile.
Flexible savings plans
Accessible, adjustable savings for the goals that sit inside the next ten years — a deposit, a car, a gap year, a renovation.
Tax-efficient growth
Structured portfolios that can be more tax-efficient for higher-income earners, depending on your marginal rate and how long you can stay invested.
Capital preservation when you change jobs
Moving jobs is where most retirement savings quietly disappear. I help you preserve what you’ve built instead of cashing it out.
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Cover that stands between your family and the worst week of their lives
Risk cover is the least interesting thing you will ever buy and the most important. It exists so that a diagnosis, an accident or a death does not also become a financial collapse.
Your family keeps the life you built
The bond stays paid, the children stay in their school, and your family gets time to grieve instead of scrambling.
Dignified funeral cover
Fast payouts that cover immediate costs within days, so your family can focus on honouring you rather than finding money.
Critical illness cover
A lump sum on diagnosis of a severe condition — for the treatment medical aid won’t cover, the time off work, and the changes your home may suddenly need.
Comprehensive disability protection
If an injury or illness permanently ends your ability to earn, a lump sum helps you keep your independence and your family’s standard of living.
Protect your single biggest asset
It isn’t your house — it’s your salary. A monthly benefit replaces part of your income while you’re temporarily unable to work.
An honest look at what you already have
Many families are over-insured in one place and dangerously exposed in another. I audit existing policies before suggesting a single new one.
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Make sure what you leave behind actually reaches them
A good estate plan is a kindness. It spares your family months of administration, avoidable costs, and arguments nobody wants to have while they’re grieving.
Wills and testamentary trusts
Legally sound documents so your wishes are followed exactly — and so minor children inherit through a structure, not a lump sum at eighteen.
Estate liquidity planning
I work out what your estate will owe in taxes, executor fees and debts, then make sure the cash is there — so nobody has to sell the family home to settle it.
Trust structuring
Where it genuinely suits your circumstances, a living trust can help ring-fence assets and manage estate duty exposure over time.
Executor services
Professional, patient administration that winds up the estate properly and takes the paperwork off a grieving family’s hands.
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Investments matched to your goals, your timeline and your nerve
The right portfolio isn’t the one with the best headline number. It’s the one you can stay invested in through a bad year — because staying invested is where most of the outcome comes from.
Retirement annuities (RAs)
Contributions are tax-deductible within SARS limits, which means part of what you’d have paid in tax goes towards your own retirement instead.
Education funding
School and university costs have historically risen faster than general inflation. Starting early is the single biggest lever you have.
Tax-free savings accounts
Growth, dividends and interest are free of tax, within the annual and lifetime contribution limits set by SARS. One of the simplest long-term wins available.
Unit trusts & linked investments
Diversified, transparent and flexible portfolios managed by established managers, with the ability to adjust as your circumstances change.
How I work
Four conversations, not a sales pitch
You’ll know exactly where you stand before any recommendation is made, and exactly what anything costs before you commit to it.
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01
Get to know you
A free, no-obligation conversation about your family, your income, your debts and what you’re worried about. Nothing is recommended in this meeting.
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02
Analyse the position
I assess your existing policies, retirement funds and investments to find the gaps, the overlaps and the money quietly leaking out.
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03
Present the plan
A written plan in plain language, with the reasoning, the costs and the trade-offs shown openly. You decide what to act on.
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04
Review and adjust
We meet annually, and whenever life shifts. The plan changes as your circumstances do — that’s the whole point of having one.
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Your life first, product second
Nothing is recommended until I understand what you earn, what you owe, and who depends on you.
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The first conversation costs nothing
No fee, no obligation, and no expectation that you sign anything on the day.
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Reviewed every year, at minimum
New baby, new job, new bond. The plan is adjusted as your circumstances move.
Questions families ask
The things people are too polite to ask first
What does this cost me?
The first conversation is free. After that, advice is remunerated through commission on products, an agreed advice fee, or a combination — and you will be told exactly which applies, and how much, in writing before you sign anything.
I already have policies from years ago. Is that a problem?
Not at all — it’s a starting point. Part of the work is reviewing what you already hold. Sometimes the right advice is to leave an existing policy exactly where it is.
How much cover does a family actually need?
It depends on your outstanding debt, your dependants’ ages, your monthly expenses and what your family would need to keep going. I calculate it with you rather than applying a rule of thumb.
Isn’t it too late to start at 45?
No, but the strategy is different from starting at 25. There is usually more emphasis on protecting income and using tax-efficient structures well, and less room for high-risk positions.
Will I be pressured into signing on the day?
No. You receive the plan in writing and take it away. Any recommendation comes with a record of advice explaining why it suits your circumstances.
Start here
Book a first conversation
Tell me roughly where you are and what’s on your mind. I’ll come back within one working day to arrange a time — in person, or online if that’s easier around work and school runs.
- 083 707 3673
- Office
- Johannesburg, Gauteng
Meetings by appointment