Financial Consulting
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Solutions
I am able to review & advise on a wide and diverse range of comprehensive medical aid products. However, I only sell Hospital Plans and Gap Cover from the Prosperity Group. These plans range from cover for in-hospital treatments to gap cover that supplements your existing comprehensive medical aid plan.
Hospital Plan & Gap Cover
Retirement Planning & Provision
One of your goals in life should be retiring with financial freedom and security through a financially comfortable and stress-free lifestyle. Retirement planning is the crucial task for this goal, as it decides how you will live once you are old and no longer wish or are unable to work. Generally speaking, retirement planning is planning your finances for the period of life after you stop working.
Investing is about making priorities for your money. Spending is easy and gives instant gratification—whether the splurge is on a new outfit, a vacation to some exotic spot or dinner in a fancy restaurant. All of these are wonderful and make life more enjoyable. But investing requires prioritizing our financial futures over our present desires. Investing is a way to set aside money while you are busy with life and have that money work for you so that you can fully reap the rewards of your labour in the future.
Investments
If your income falls away due to a disability, how will you be able to provide for yourself or your family? Protecting your income in the event of a disability or illness, should be your number one priority.
Disability & Income Protection
Life insurance or life cover is a means of ensuring that your family or dependents are financially secure after your death. It can also be used to settle debt, outstanding bonds and other financial costs in the event of death.
Life Cover
Believe it or not, you have an estate. In fact, nearly everyone does. Your estate is comprised of everything you own— your car, home, other real estate, checking and savings accounts, investments, life insurance, furniture, personal possessions. No matter how large or how modest, everyone has an estate and something in common—you can’t take it with you when you die. I can assist you with the planning of your estate and how it will be allocated when you pass away.
Estate Planning
Critical Illness cover pays a tax-free lump sum if you're diagnosed with a defined critical illness during the policy term. Recovering from a critical illness can also mean extra costs for you and your family e.g. making changes to your home or car. Your payout could be used to cover this. Designed to make a client’s recovery process easier without having to worry about the financial burden a severe illness or injury can bring. If you have a family history of critical illnesses, I strongly advise that you consider getting this type of cover.
Severe / Critical Illness
Corporate Employee Benefits in the form of a group Pension or Provident Scheme is a formal arrangement between a company and its employees, that provides funding for the employees' retirement. In most cases, both the employer and employees make monthly contributions to the fund. These benefits can also include Risk Cover- like life cover, funeral benefits and disability cover. Not only is an employee pension fund a great tool to use for staff retention, the costs involved of belonging to a group scheme are much lower than taking out individual investments and/or policies.
Corporate Employee Benefits
Businesses, small and large, have a unique set of financial requirements. Each business has to ensure that they are accurately and comprehensively covered against long-term financial risks. Having these agreements in place, increases the businesses credit ratings with lenders, customers and staff alike.
Business Assurance
Money plays a critical role in our lives and not having enough of it impacts health as well as academic performance. Financial stress is repeatedly found to be a common source of stress, anxiety and fear. Keeping track of expenses, making a budget, and sticking to it are important skills to have in order to be financially responsible and independent. Learning how to maximize your financial wellness now will help you feel prepared to handle potentially stressful financial situations in the future.