Make your money work for you
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About Me
Professional Financial Planner
I am a Certified Financial Planner® at Momentum Financial Planning offering insights into cutting-edge solutions and dedicated to developing and implementing tailored financial plans that deliver on your needs, goals and aspirations.
My approach is very simple, it’s all about you. Thus I take the time to understand you and your family's/businesses' needs, goals and aspirations. You are at the center of your financial planning and money is simply the vehicle that carries you towards your needs, goals and aspirations.
Want to learn more? See the about tab for more information for more about me and my partners or contact me today for an initial consultation.
Services
Please see a summary of the services I provide below. Should you require more information please do not hesitate to contact me.
Investment Planning
Investment planning is the process of setting up tailored investment portfolios which are aligned with your unique financial goals/needs.
These goals/needs can take many forms, examples of which are as follows:
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The setting up of an emergency fund;
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Investing for your retirement;
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Investing offshore; and
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Investing for another specific goal such as your children's education or your next offshore holiday.
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I am fully independent (not constrained to a specific asset manager/s) in terms of fund selection and make use of Momentum's investment platforms who provide an efficient administration service.
Estate Planning
Estate planning is the process of preparing for the transfer of your wealth and assets to your loved ones after your demise. This process includes:
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Ensuring that your estate is liquid, meaning that all debts and taxes have been provided for;
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Ensuring that your loved ones' needs are adequately catered for in the event of your demise; and
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Ensuring that you, not only have a will in place, but that this document dovetails with your needs and requirements.
Risk Planning
Risk planning is the process of the anticipation and mitigation of the adverse effects and costs that might be brought about by a disability, impairment, critical illness (heart attack, cancer etc.), or accidental HIV (medical occupations).
This process would consider various elements, examples of which are as follows:
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The protection of your greatest asset, the ability to earn an income, via income protection;
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A lump sum pay-out to assist in providing for any costs associated with a permanent disability or impairment, or the contraction of a critical illness or accidental HIV;
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The setting up of an emergency fund to deal with unexpected costs; and
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A lump sum pay-out to ensure that your have adequate capital to educate your children in the event of a permanent disability or impairment.
Business Assurance Planning
Business assurance is a process where we identify particular risks to your business and put plans in place in order to mitigate these risks.
Examples of solutions offered are as follows:
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Buy and sell agreements;
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Key-person insurance;
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Contingent liability insurance; and
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Business investment planning.
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Employee Benefits
The setting up of an employee benefit scheme serves a dual purpose.
Firstly, it provides your employees peace of mind that they and/or their dependents will be provided for in the event of their death, disability or at retirement.
Secondly, this leads to greater employee loyalty and retention as well as productivity.
Such an employee benefit scheme may include:
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Group retirement benefits (pension etc.); and/or
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Group risk benefits (life, disability, and critical illness cover etc.).
Bond Affordability & Risk Planning
The purchase of a new new home is an exciting time for anyone but comes with its fair share of anxiety and risks.
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Firstly, the question of "can I afford this home?" often springs to mind and engaging with a professional either helps you develop peace of mind on your purchase or helps you avoid incurring a debt which you actually can't afford.
Secondly, the bank who provides you with a bond to purchase your house may insist on you taking out risk cover to settle this debt in the event of your death or disability. Consulting with a professional with ensure that the relevant cover cannot not only be put in place, but at a cost-effective price too.
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Tax Planning
All of the above services have an element of taxation involved and thus these implications must be carefully considered and your portfolio of assets, investments and risk cover must be appropriately structured to ensure tax efficiency.
