Bernice de Beer Attorneys (Vereeniging)

CMM Attorneys Inc (Vanderbijlpark)

Mr. ARNO BURGER

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SERVICES

FOCUS

Arno Burger CFP® Post Graduate in Financial Plannig. Specialising in Investment Strategies, Instruments and ideal blending of Investment Portfolio Structures

OTHER SERVICES

Estate Administration;Income tax Practitioners

COMPANIES REPRESENTED

OTHER COMPANIES REPRESENTED

ABSA Investment Management Services (AIMS), Momentum Wealth, Glacier, Galaxy and most other unit trusts/mutual fund managers.

EXPERIENCE

1. Arno BurgerCFP® is the managing member of FIDIUS.

2. He is a postgraduate in financial planning through the University of the Free State and participates in the management of FIDIUS the professional financial planning practice in Gauteng and the Free State since 1990.

3. ARNO BURGER was nominated finalist in the FPI & Personal Finance’s FINANCIAL PLANNER OF THE YEAR competition in 2007.

4. FIDIUS, the Independent, Fee Based, Financial Planning Practice, was nominated finalist in the Celestis & FA News’s BEST PRACTICE OF THE YEAR AWARD in 2007. 

Find comprehensive information at: www.fidius.co.za

ABOUT FIRM

1. The practice specializes in the fields of wealth creation and wealth preservation.

2. Strategic partnerships with portfolio management teams result in active portfolio management, in line with the specific needs of our clients.

3. We enable our clients to make informed decisions through advice based on experience, sound knowledge and in depth analysis of  all available options.

4. This results in synchronized planning and portfolio management to optimize achievability of objectives of our clients. 

5. We will lead you through the process of financial planning and take all relevant and material information into consideration before we advise you on your wealth creation, wealth preservation and wealth utilization needs.

6. Our well trained and qualified team of financial planners and financial planning administrators are backed up by a state of the art electronic administration system.

FIDIUS – Make your Financial and Investment Decisions, Through Integrity and Unsurpassed Service.

Find comprehensive information at: www.fidius.co.za

BUSINESS PRACTICES

Minimum Levels of Premium/Investment accepted	Lump Sum: R500000.00  Recurring monthly: R1000.00
Remuneration	Fee only
Legal structure of employer	Close Corporation (cc)
Number of staff	6 - 10
Indemnity insurance	Insurance: yes  Value: R5000000.00

LATEST NEWS AND VIEWS

Our opinion on fee vs commission:

FIDIUS is a fee based financial planning practice. We thus distance ourselves from commission driven sales of insurance products without necessarily rendering a service relevant to the remuneration. We focus on client needs, analysis, writen advice, implementation,  monitoring and only charge a fee relevant to a service rendered.

It is our opinion that professionalism and objectivity to the benefit of a client may be lost if the remuneration or fees will only be earned through commissions if a product is sold. Many clients need advice or restructuring of current asstes only which we can provide without having to force sell a product to earn income for services rendered.

Therefore we offer our services on a fee basis to our clients whilst they have the choice of paying us directly or via a fee account. The fee account is credited to the benefit of the client with any commissions that may be transferred to us with the full consent and knowledge of our clients.

Fees are always quoted in advance and our fee structure is discussed and agreed upon during your first complementary consultation.

Find comprehensive information at: www.fidius.co.za

Mr. ANTONY BRADY

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SERVICES

FOCUS

Holistic, pro-active Financial Planning - specialising in helping you achieve your investment goals.

OTHER SERVICES

Gap Cover

COMPANIES REPRESENTED

OTHER COMPANIES REPRESENTED

Prudential 
Companies through which more than 30% of income is derived:
Allan Gray

EXPERIENCE

Have been studying investments since school. Worked for SCMB (Standard Bank) and overseas. Always updating my knowledge on investment trends. My friends and family are highly respected Financial Analysts /traders and my clients are able to benefit from these extra resources. Prospective clients are welcome to contact existing clients for feedback on service levels and performance. I represent Gauteng Provincial tennis and compete in tournaments,  I also run half marathons. Recently won a CNBC competition for predicting exchange rate movement. Contribute to various financial publication articles such as Finweek and FM.

I am an Independent Financial Planner and member of the internationally recognized Financial Planning Institute, which means that I have to adhere to a strict code of ethics and am obliged to comply with a high level of ongoing education to maintain my membership.

ABOUT FIRM

June 2017

During this low growth and recessionary period, try to pay off your debt!  The interest on your debt is most likely higher than any growth on a traditional savings plan in a recessionary environment, so paying off your debt and saving that interest is the most appropriate strategy.

List your debts from the highest to the lowest interest rates (factor in charges) and channel any extra income into the most expensive debt first.

Invest as much as possible into retirement funds – which is the best investment you can make as you can invest with pre-tax money, so you save the money you would have paid on tax, effectively guaranteeing a better growth rate. You can invest up to 27.5% of your pre-tax income up to R350 000 in retirement funds and benefit from paying lower tax.  

Look at tax-free savings accounts, where you can invest up to R33 000 a year in a tax-free account, up to a lifetime maximum of R500 000.

BUSINESS PRACTICES

Minimum Levels of Premium/Investment accepted	Lump Sum: R5000.00  Recurring monthly: R500.00
Remuneration	Fee OR commission
Legal structure of employer	unknown
Number of staff	1
Indemnity insurance	Insurance: yes  Value: R1500000.00

LATEST NEWS AND VIEWS

 August 15th update (some points made by Coronations's head of developed market equities, Louis Stassen.) 

Your view on the rand should not drive your decision to invest offshore,” If you are investing offshore you should rather be thinking about your long-term strategy in terms of diversification and portfolio optimisation.”

It is incredibly difficult even for the most informed economists to correctly predict where the rand will go. For the average investor, it is impossible.

Therefore short-term movements in the currency should never inform the decision on whether to invest offshore.

Going offshore allows investors to diversify and not have all “your eggs in one basket!”  This ensures that they are not overly exposed to any single risk (political, currency, commodity etc).

Because we don’t know what’s going to happen, portfolios need to be as robust as possible. That doesn’t mean that funds will always go up, but that they won’t suffer any major losses.

Being exposed to different countries, different currencies, and different markets is simply good risk management. For investors living in a relatively small economy like South Africa, this is particularly important.

On a purchasing power parity basis, South Africa contributes less than 1% to world GDP. The JSE represents only around 1% of the total market capitalisation of all the world’s stock exchanges.

The MSCI World Index has 2 500 constituents. The FTSE/JSE All Share Index has only 160.

By only investing locally, investors are therefore significantly limiting their opportunity set and concentrating their risk.

If you are in such a small part of the world, why would you keep most of your money here, especially since exchange controls have been loosened. That’s not to say that everything outside is good or better, but there is so much more opportunity.

August 1 2016

With the assistance of your Financial Planner,  review your holding of JSE Top 40 stocks with above-average P/E’s . 

June 2016

There will be volatility around the “Brexit” vote; volatility generally means opportunity for longer-term investors.

"The time of maximum pessimism is the best time to buy and the time of maximum optimism is the best time to sell.” - John Templeton (Net Worth $20 Billion)

November 2015

As with Investment Markets, "there is always this to be said for politics: it is never static. If the good times do not last, neither do the bad. Like Nature, it follows a perpetual cycle of growth and decay, and no statesman, however cunning, is immune to this process"

October 2015 update

Exchange Traded Funds: Recent figures show that even among passive funds there has been a big divergence in performance. Certain strategies or mandates have stood up well in the market conditions (increased volatility) and others have struggled.

This doesn’t necessarily show that some strategies are better or worse than others. It is rather an indication of how they perform during a period in the cycle.

This is important for investors in index funds, as it shows how these funds can sometimes show a low correlation to the market and each other. It is therefore vital to understand the strategies behind the indices they are tracking and how these respond to different conditions. Make sure you have appropriate exposure to reach your individual goals! 

2015 update

On US interest rates:

‘This is my forecast for rates and I know I'm going to be right, so pay close attention, okay? Rates are going to go up sooner or later than you think and differently than you think, and someone is going to be surprised’

- Jamie Dimon, CEO JP Morgan

“A huge mistake that many of us make is to work hard our entire life for money and not require money to work for us in return.”
 

Europe has become 30% more competitive to USA due to currency devaluation!

2014 update:

Lower return expectations in respect of all asset classes Local market is expensive, stick to long –term strategy Negative psychology that isn't based on the fundamentals creates opportunity for long-term investors! “The last several years have provided an unusually clear opportunity to witness the swing of the pendulum and how consistently most people do the wrong thing at the wrong time. When things are going well and prices are high, investors rush to buy, forgetting all prudence. Then, when there’s chaos all around and assets are on the bargain counter, they lose all willingness to bear risk and rush to sell. And it will ever be so” Howard Marks (2011)

Although the Rand has depreciated significantly this year, the exchange rate remains vulnerable in the longer term to weaker commodity prices, a reduction of foreign investment inflows and the social risk stemming from the disconcertingly high unemployment rate among South Africa’s many young people. If you have not reviewed your offshore asset allocation make sure you do have the appropriate exposure. Monitor and review your budget as this will help you achieve your financial goals.

According to Russel Lamberti, Stats SA’s ‘official’ CPI inflation rate understates what’s really going on! A Wimpy burger and chips cost 35 cents in 1972 and now costs R39. The Wimpy price has gone up 11000% but Stats SA official CPI inflation rate has gone up about 5000%.

Mr. ANTHONY COHEN

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SERVICES

FOCUS

Lifestyle Financial Planning focusing on post/pre-retirement, Business Assurance, Individual Risk & Estate Planning. Specialist Employee Benefits Division

COMPANIES REPRESENTED

OTHER COMPANIES REPRESENTED

EXPERIENCE

I have been in the Financial Service industry since 1992 and hold a Post Graduate in Financial Planning (CFP). I have been interviewed on live television through CNBC Africa as well as 702 giving professional advice on personal insurance and investments.

My hobbies include Cycling,Golf,Squash and Gym and I am a avid sports fan for all sports.

BUSINESS PRACTICES

Minimum Levels of Premium/Investment accepted	Lump Sum: R1000000.00  Recurring monthly: R5000.00
Remuneration	Fee OR commission
Legal structure of employer	unknown
Number of staff	6 - 10
Indemnity insurance	Insurance: yes  Value: R5000000.00

LATEST NEWS AND VIEWS

 The Heritage Financial Consultants website www.heritagefc.co.za allows you to see the full scope of the services we offer through our advisors.   

ADRIAN BUTCHER

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SERVICES

FOCUS

Financial Advisor specialising in business assurance, retirement planning and investments. Giving advise on all Discovery products

OTHER SERVICES

Trusts, Accounting and tax

COMPANIES REPRESENTED

OTHER COMPANIES REPRESENTED

EXPERIENCE

Started my career as a Financial Advisor at Standard Bank in 2007 before I joined Discovery in 2009.

I am passionate about the Financial services industry and the diffrence I get to make in my client's lifes on a daily basis.

I achieved gold and platinum status as a Discovery Financial Advisor.

ABOUT FIRM

5 Reasons why you should choose Discovery Life:

·         the most comprehensive cover in the market

·         upfront and ongoing discount for healthy living and driving well

·         only life insurer to reward you throughout your policy term even if you claim

·         cover that automatically adapts your benefits according to your changing needs

·         we have an exemplary claims record

Discovery Life - Intelligent Insurance for life

BUSINESS PRACTICES

Mnr ANTON PHILIP DE WET

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SERVICES

FOCUS

All round financial planning for clients in the Free State and Gauteng

COMPANIES REPRESENTED

OTHER COMPANIES REPRESENTED

MCubed
PIC 
Companies through which more than 30% of income is derived:
Metropolitan

EXPERIENCE

10 years as a Senior Financial Advisor for Sanlam.
2 Years as an Independent Broker.
I like to LIve, Learn, and Leave a Legacy.

BUSINESS PRACTICES

TELANI JANSEN VAN RENSBURG

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SERVICES

FOCUS

Creating a comprehensive financial planning strategy. Doing a complete financial needs analysis. Providing expert advice on investments. Assisting with Will

OTHER SERVICES

Creating a comprehensive Financial Planning Strategy. Doing a complete Financial Needs Analysis.

COMPANIES REPRESENTED

OTHER COMPANIES REPRESENTED

Stanlib
Companies through which more than 30% of income is derived:
Liberty

EXPERIENCE

ABOUT FIRM

Hereford Pretoria is a unique financial planning team, accredited with the Liberty Group

BUSINESS PRACTICES

LATEST NEWS AND VIEWS

To provide our clients with the financial acumen and means to manage their own financial present in such a way that their financial futures are secure in any event.

BEN-JEANNE VILJOEN

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SERVICES

FOCUS

BEN-JEANNE VILJOEN is authorized to give advice and provide intermediary services on the following products:

• Sanlam Life long-term • Retirement Planning • Investments • Estate Planning • Life and Disability Assurance • Medical schemes • Short term insurance • Business Assurance • Offshore Investments • Group Schemes

OTHER SERVICES

Director of Plexikitchens www.plexikitchens.co.za

COMPANIES REPRESENTED

OTHER COMPANIES REPRESENTED

EXPERIENCE

BUSINESS PRACTICES

Mrs. CHERYL SALZWEDEL

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SERVICES

FOCUS

Commercial and domestic insurance with a personal touch.

COMPANIES REPRESENTED

OTHER COMPANIES REPRESENTED

Etana, Execuline, Chartis, HIU, CIA, Riskguard, Gem and Jewel, Consort, Paladin, Kiln SA

EXPERIENCE

19 Years in the Short-Term Insurance Industry.

ABOUT FIRM

We are service orientated and pride ourselves on providing our domestic and commercial clients with exceptional personal service.   Because of our personal work ethic, we do not believe in call centres or any kind of outsourced departments.

BUSINESS PRACTICES