- Independent · Family-focused · Bold
Financial Planning Services hat Work Together
Independent wealth, succession and estate planning for South African business owners and families. One strategy, integrated across investment, tax, risk and the next generation.
Life Cover
Life cover is designed to provide financial protection to beneficiaries if the insured person passes away. It can help protect dependants, settle debts, support estate liquidity or provide continuity for family responsibilities.
- Beneficiary structure
- Estate liquidity support
- Dependant protection
- Affordability review
Disability Cover
Disability cover helps protect income or financial stability if illness or injury affects your ability to work. Your income is often one of your most important financial assets.
- Income protection
- Temporary vs permanent benefit
- Occupation-specific cover
- Waiting periods explained
Dread Disease / Critical Illness
Dread disease or critical illness cover can provide a benefit if a defined serious illness occurs. It is reviewed alongside medical aid, disability cover, emergency reserves and family responsibilities.
- Cover scope review
- Severity-based benefits
- Medical aid alignment
- Affordability check
Estate Planning, Wills and Trusts
Estate planning helps organise what should happen to your assets, dependants and responsibilities after death. Gerhard’s supplied service scope includes wills and trusts.
- Wills
- Testamentary trusts
- Beneficiary structuring
- Estate liquidity
GEPF Planning
GEPF planning relates to understanding public-sector retirement benefit considerations and how they interact with retirement timing, risk cover and estate planning.
- Benefit overview
- Retirement income planning
- Dependant considerations
- Estate planning interaction
SME and Company Financial Planning
Gerhard works with companies and SMEs, helping business-related financial decisions become more structured and easier to review.
- Business risk review
- Estate planning for owners
- Continuity considerations
- Group benefits scope
Investment Planning
Investment planning is tailored to your individual financial goals, risk profile and investment horizon – whether building wealth, saving for retirement, creating offshore exposure or investing for specific future objectives.
- Long-term strategy
- Risk profile alignment
- Tax-free investments
- Offshore allocation scope
- How we work
A simple process, taken seriously.
01
Discovery call
30 minutes. We listen, you talk. No advice given, no products mentioned.
02
Diagnostic
Full review across estate, business, investments and risk. You see exactly where you stand.
03
Strategy
Integrated plan with priorities, trade-offs and a clear implementation roadmap.
04
Annual partnership
Quarterly check-ins, annual review, and we’re the first call when life changes.
You built the business. Let's build the legacy.
Book a private 30-minute consultation. No product pitch – just clarity on where you are, where you want to be, and what’s standing in the way.