The consultation is free and open to anyone — no hoops. These six questions let me prepare before we speak, so our time together goes into your situation, not the basics.
Six questions about your situation. I read your answers before we speak, so we go straight to what matters for you. No pitch. No pressure.
This assessment is for informational purposes only and does not constitute financial advice. A formal needs analysis and Record of Advice will be completed during your consultation, under the supervision of the principal adviser.
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The initial conversation is always free. From there, most of my work is remunerated through the products and providers themselves, fully disclosed to you in writing before anything is put in place. Where a fee applies, you will know the exact amount upfront. No hidden costs, no surprises.
No. I'll review what you already have honestly, and if it's working, I'll tell you to keep it. I only ever recommend a change when it genuinely puts you in a better position. The goal is the right plan for you, not churning products.
Almost certainly not. The decisions you make early, how you save, how you're covered, how you structure things for tax, these compound enormously over time. Starting earlier is the single biggest advantage you can give yourself. It costs nothing to find out where you stand.
We talk. I ask about your income, goals, family, and what's on your mind financially. There's no pressure and no obligation to buy anything. You'll leave with a clearer understanding of your situation, whether or not we decide to work together.
I work across multiple insurers and product providers, which means I compare the market on your behalf rather than pushing one company's range. I'm an authorised representative operating under the Legacy Planning Institute (Pty) Ltd t/a Innovative FAS, giving me institutional backing and oversight, while you still deal with me directly.
Book a free consultation. No obligation. You'll leave with a clear picture of where you stand and what to do first.