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“A budget in ones head is nothing more than a bad memory”. A budget is a written account of what one hopes to spend. I assist clients with what is called a “SPENDING PLAN” which is more accurate than a budget, as it is an actual account of ones living expenses.
Investment Management Planning is all about structuring the client’s funds in such a way that his / her objectives (goals) are met. We spend time understanding the risk / reward relationship of the client, in accordance to their investment goals. We have a proven track record that our strategy works, as during the last market crash when the JSE lost over 40% of its market share, our clients were able to hold onto their initial capital investment.
What is retirement?
Retirement to us is when you stop working for the money and the money starts working for you. We have studied the various products available in the market to meet this need and have found the most cost effective way of saving for retirement. What’s more, is that we monitor your retirement investment as it’s too late when the investment matures.
The biggest mistake people make when they change jobs is to take out their pension fund money in cash (no matter how small this amount may be) and spend it on things than their retirement. With out realising it, they are setting themselves back many years, financially. Let me help preserve these precious years, so that you can retire with the Lifestyle you want.
Estate Planning is the process of arranging and managing your financial affairs so that your estate (everyone has an estate) will be distributed according to your wishes after your death and to minimise undue taxation, no matter when death may occur. Estate Planning is not just a once-off thing. One of the corner stones of proper estate planning is the drafting of a practically feasible Will, which we offer our clients through our network of partners.
At Financial Workshop Gauteng (FWS) we use the Lifestage Matrix to insure that our clients are not over insured which could be just as bad as being underinsured. We do not market one specific Assurance company as we asses your needs and make recommendations based on your specific need. Risk cover could be the best investment you could make for your family.
Income Protection pays when you can’t due to illness, sickness or an accident. Planning for this event has saved many a family from loosing their home when the breadwinner has been temporary unable to earn an income.
Experience has shown, that most people’s financial affairs are not compiled and up to date in one place. FWS wants to help you make life simpler, by offering you the service of compiling what we term a “Life File”. Your very own “Life File” has that which your family will need, come the day you are no longer around to speak for yourself regarding your financial affairs. Click on the Make Life Simple tab, to see sample.
Our ethos is to provide an independent advisory and financial coaching service, that is ethical and adds value to one’s education, growth and decision process. Let us help you to navigate the financial information overload, so that you can make sound financial decisions.