Retirement planning needs to make specific provision for life before and after retirement. Pre-retirement, we take our clients through a process of financial road mapping. This is where we come to understand our clients’ needs, help them determine their financial goals and create specific strategies for realising their goals. We review our clients’ portfolios and strategy progress annually or as often as necessary with changing circumstances.
Post retirement planning, we do ‘life of capital’ calculations. This enables us to comprehensively advise our clients on all aspects of post-retirement investment and the level of income they can withdraw without depleting their savings. Our focus is on safeguarding our clients’ money against tax and inflation as well as protecting family assets for future generations.
Wealth creation is a crucial building block in the process of financial planning that is required to provide for future financial freedom. This entails the management of regulated risk-profiled portfolios (unit trusts) and equity portfolios.
We have specialists able to assist with optimal portfolio construction, risk profiling and diversification between different asset classes. Whether our clients prefer a discretionary portfolio or more participation in their investment activities, our process is rigorous, dynamic and aligned to deliver solutions that meet their detailed needs.
We guide our clients through the process of estate and inheritance planning and assist them in arranging their financial affairs in such a way, their families and any other beneficiaries may enjoy the maximum benefit from their assets, both during their lifetime and after their passing. Estate duty is levied when assets are passed from one generation to the next. By implementing estate planning techniques, this shackle of successive duties van be broken, which safeguards family wealth from unnecessary long-term value erosion.
Although we mainly focus on investments and retirement planning, we realise the importance of risk management as part of the planning process. Therefore, we will conduct a comprehensive financial needs analysis, providing the client with death, disability, trauma and income protection solutions. We source risk solutions based specifically on what is in the best interest of the client.
As a part of comprehensive financial planning, we look at our client’s medical aid, gap cover and short term insurance. We do not offer these services in-house but refer them to specialists in the fields.
We ensure that every clients’ will, powers of attorney, trusts and other legal documents are at the cutting edge of international best practice and remain that way. The services we provide include: serving as a trustee, executor, commissioner or discretionary representative, having direct responsibility for managing assets for individuals and families, as well as estates, trusts, legacy foundations and other entities our clients, establish or control.
Many of our clients want to make a difference, not only for their own families but also for a greater cause. With the right advice, our clients’ good intentions can become their lasting legacy. By partnering with our non-profit organisation Autus Care, we can assist clients in strategically allocating and managing philanthropic donations. We also ensure that all NGO / NPOs eligible for consideration are properly screened, governed well and are managed effectively.
The service of a family office is usually engaged when a family’s assets have grown to a size where full-time professional management may be required or could be beneficial. Many clients are business owners and high net worth individuals who require comprehensive and complex financial planning and advice. The seek ways to manage and grow their hard-earned assets as well as to protect them, in order to facilitate a smooth transition to their nominated beneficiaries. We offer a tailored service that may include specialist legal and tax advice, as well as detailed consulting about the structure and management of their trusts. Bespoke local, as well as offshore investment portfolio strategies, are developed to meet the unique needs and objectives of our clients.