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When crafting your personalised investment plan, we first establish your dreams and ask the right questions, including your age, risk profile, personal commitments and lifestyle goals.
We will then compile a comprehensive financial analysis indicating your current position and future requirements, showing shortfalls or surplus, and provide you with a clear path to your financial freedom.
Step by step, we will help you maximise your assets through appropriate asset allocation and the use of tax-efficient structures to build your wealth.
The main points
- Monthly and yearly income sources (salary, investments, side hustles)
- Stability and growth potential of income
- Diversification of income sources
- Debt-to-income ratio assessment
- Interest rates and repayment strategies
- Outstanding debts (credit cards, student loans, vehicle finance, home loans)
- Understanding tax brackets and deductions
- Tax-advantaged vehicles (retirement annuities, tax-free savings accounts)
- Annual SARS filing and optimisation
- Short-term goals (a holiday, car purchase, home improvement)
- Long-term goals (buying a house, early retirement, an education fund)
- Passive income strategies
