Financial Needs Analysis and Assurance Review
Having purchased your dream home, how much life cover you need, should be obvious. But is it? Many people don't know how much cover they have and too much can be just as costly as too little.

A simple financial needs analysis and life assurance review will get rid of the uncertainty. We'll give you a true overview of your financial position with objective advice on your options, which could even reduce your monthly premium spend. This is accompanied by a written report - yours to study at your leisure before deciding on a course of action.

All our reports comply 100% with the most recent legislation regulating the financial services industry and protecting your interests.

Estate planning
Estate Duty is essentially a voluntary tax. If your affairs are structured correctly your estate will never pay this tax. Planning ahead will protect your dependants against having to pay excessive capital gains tax and estate duties. We will also assist with the drafting of wills and the formation of trusts to negate unnecessary duties on your hard-earned wealth.

Retirement planning
Retirement planning should begin the day you start your first job, and continue for your entire working life. Talk to us about a plan suited to your circumstances, tax position and budget.

Investment advice
Whether investing for a retirement nest egg or simply building wealth, we provide expert advice. We will assist you in creating a comprehensive plan by hand-picking products and services suited to your risk profile and lifestyle goals. Regular updates and reviews are provided to keep you informed and your portfolio on track.

Business assurance
Personal life assurance provides a solution to the financial problems which arise on the death, disability or retirement of the breadwinner of the family. Likewise, business assurance provides solutions to the problems that arise on the death, disability or retirement of a partner, shareholder in a company, member of a close corporation, sole proprietor or key person.

Proper planning strengthens the business structure and ensures business continuity. While scrupulously keeping tabs on everything else, most business owners tend to be without business assurance. Our comprehensive, flexible business assurance plans take into account ruling tax legislation to minimise estate duty, income tax and estate duty.