Financial Services
We are qualified to advise you on your Short Term Risk planning in the following areas:
- Personal insurance
- Commercial insurance
- Agricultural insurance
- Corporate insurance
- Specialised insurance
- Risk finance
- Advice on building up an estate
- Creating a balanced portfolio using all asset classes
- Advising on a share portfolio, unit trusts, off-shore investments, property and interest bearing investments
- Making investments for retirement
- Helping you to grow your business
- Building your personal investment portfolio
- Analyse your personal situation and advising accordingly
- Report back to you on a regular basis
- Giving advice on and managing your pension fund
- Getting quotations for the best interest rates
- Using money market products from various companies
- Using bond based unit trust
- Using fixed deposits of various banks
Employee benefits is about providing the right product and service solutions to the most important people in your business – your employees.
Employee Benefits include life cover, disability and impairment protection, dread disease cover and insurance to cover the cost of children’s education in the event of the death or disability of a parent.
It is therefore important to choose the correct Administrator that suits your needs, whether you choose:
- Multi-employer or umbrella retirement funds
- Stand-alone retirement funds
WHY CHOOSE AN UMBRELLA FUND?
- It is designed to meet all employees’ retirement savings and group risk cover needs
- It pools the contributions of a vast number of members and employers
- Creating cost savings through economics of scale
- Professionals ensure the structural strength that is necessary to protect members’ interests.
HOW WILL EMPLOYERS GAIN?
- Peace of mind that the financial wellbeing of their employees has been entrusted to a financially powerful institution that is genuinely committed to offering real value for money to clients.
- All of this is underpinned by leading-edge administration systems, which means our participating employers can devote their energies to running their own businesses.
HOW WILL EMPLOYEES GAIN?
- Access to a product that offers real value for money via our well-structured investment menu and our comprehensive range or risk products, at a highly competitive price.
- Our emphasis on transparency as well as ongoing member communication and education enables our members to take control of their financial destinies.
ADVICE ON USING THE CORRECT BUSINESS STRUCTURES
- Considering a company to operate your business
- Advice on using a trust to build your personal estate
- Optimising income tax by using the correct entities
- Minimising estate duty and CGT by putting growth assets in the correct entities
- Minimising personal liabilities
BUY & SELL ASSURANCE
The purpose of Buy and Sell assurance is to provide the co-owners of a business, or the prospective buyer of a sole proprietorship, with the necessary funds to purchase the interest or share of a co-owner or sole proprietor on the death or disability of that person.
The proceeds would enable the remaining owners, or the prospective buyer of a sole proprietorship, to retain or gain control of the business and guarantee the former co-owner / sole proprietor or his or her estate an immediate cash lump sum.
KEY PERSON ASSURANCE
The real success of a business does not depend on its tangible assets – such as stock, equipment or premises – but rather on the people within the organisation. Ultimately, it will be their ability and skill in putting tangible assets to profitable use which will determine whether a business succeeds or not. Without its most valuable assets – its key people – would a business succeed?
CONTINGENT LIABILITY
All directors or members, whatever business they may be in, will sooner or later be required by a financial institution to sign as surety or co-principal debtor (guarantor) for finance. In addition, there may be other business liabilities for which directors or members may be liable, e.g. outstanding taxation.
While this presents no problem while the director / member is alive, it certainly does on death or disability. The liability arising out of, or contingent upon, the death or permanent disability of the guarantor, which is referred to as contingent liability, could have a devastating effect on both the business and individuals.