Your trusted financial advisor

"A better mouse trap
exists. Go and find it."

"If you cannot find it, then design it."

Throughout more than 40 years in financial services, one belief has guided everything: there is always a smarter solution. On this page you'll find fresh, practical approaches to insurance, savings, health cover, and wealth that work in your life — on your terms.

You can choose the first-year reward or stay in for five and ten years. The longer you stay, the greater the reward will be.

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Section 01

House & Car Insurance

This is the area of easiest attack for reducing your insurance cost — when purposefully implemented. Insurers are required to balance their expenditures with income, which means cashback rewards and other benefits are simply built into your premium. You pay for it.

"Wouldn't it be nice if I could reduce one of these lines to a cost of R nil?"

Yes, you can. Read on.

Year 1 — Shift Your Thinking

We start by tweaking thinking with real insights and saving you between 20% and 30% on monthly premiums. You are advised to accumulate these savings as we progress to the next level.

Years 2–9 — Accumulate & Grow

Personal reserves grow year on year. Unlike insurers, we can reserve in our personal capacity throughout the program — something SARS does not incentivise insurers to do.

Year 10 — The Goal: R Nil Premium

When you reach fulfilment of the plan after 10 years, you may well be in a position where a drawdown from your accumulated reserves pays for the reduced balance of premium — effectively reducing your cost to nil.

Get a Solution Programme

Section 02

Life, Dread Disease & Disability Cover

There is no greater way to protect your wealth than comprehensive life cover. Dread disease, income protection, and life insurance work together to keep you and your family secure through any event.

The hidden risk: Cover increases at CPI (±6% per year), but premiums must increase at ±10% to cover insurer costs. Over time, premiums double every 7 years while your cover only doubles every 12 years.

If you're still in good health, you can switch to a lower premium somewhere between the 7th and 12th year. Once you become uninsurable, that window closes.

Check Your Cover Now

My friend John was diagnosed with Non-Hodgkin lymphoma. His dread disease cover responded immediately with cash for procedural costs. His income protector paid his salary each month while he couldn't work. When he later passed, his life insurance cleared all his debts and left a portion for his partner.

John had comprehensive cover. Most portfolios lack income protection entirely — the single most critical gap we see.

— A real story from a client's life

7 yrs

Premiums double

12 yrs

Cover doubles

Section 03

Savings & Investments

Every spend model recommends that 20% of income go into savings. In South Africa, the average is less than 5%. Through our various programmes, we find ways to help you bridge that gap.

Do not be blinded by impressive buildings and performances insurers claim. Test them regularly and demand real returns over prolonged periods.

I personally tested three investments with the same major insurer and found returns ranging from 3% down to -1% — clients were putting in more than they were getting back.

Investments are no longer restricted to insurers and banks. Property, tax-free savings, and diversified portfolios all have a role. Everything in life should be kept in balance.

Get Portfolio Guidance

20%

Target savings rate

<5%

SA average savings rate

40%

SARS tax relief on RA

Section 04

Health Insurance & Medical Aid

Medical aid has become the most impactful expense in your budget — and it is growing unchecked. What started at roughly 10% of income now often exceeds 30%. Without serious intervention, a 30-year-old today will require 250% of their then-income just to pay for medical aid in retirement.

The past advice of "buy the best you can afford" is costly and unnecessary. What you need instead:

Buy for This Year Only

Upgrade or downgrade each year based on actual utilisation. Most people can downgrade and pay less.

Add a GAP Cover

Use some of your savings to buy GAP cover and bank the rest to fund future increases as they occur.

Blended Solutions

New opportunities combine medical aid with health insurance elements into a blended, less expensive solution — often at higher service and benefit levels. Adviser cost is already included in the premium.

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10%

Where medical aid started as % of income

30%

Today's typical medical aid spend

250%

Projected spend for a 30-year-old at retirement

Section 05

Financial & Estate Planning

"If you fail to plan, you plan to fail."

Your plan must provide sufficiently for family needs now, after death, and after retirement. The level of adequacy is defined by capital preservation at a 5% drawdown — meaning you need to provide 20 times the income required at each life event.

When the total value of your assets and cover exceeds R3.5 million, estate planning becomes essential to cater for estate duties, taxes, and capital gains.

Consult a Planner

Capital Preservation Rule

At a 5% annual drawdown, you need assets equal to 20× the annual income you require. Plan for this at every stage: now, after death, and at retirement.

Estate Duty Threshold — R3.5 Million

Once your combined asset value (including cover) exceeds this figure, you need additional provisions for duties, taxes, and capital gains tax. Incorporate investment plans to complete interim and long-term savings targets.

Wills & Trusts

Once plans are established, writing a will and establishing trusts becomes critical — to dispense assets and investments precisely according to your wishes. Do not delay this step.

Review My Will

Section 06

Budget, Debt & Wealth

Every large corporation is required to keep a budget. Yet only 1 in 20 private citizens do. That same 5% are consistently the most successful and wealthiest in every community — the ones who can afford to retire one day.

The challenge: without control, a single need can consume your entire 50% needs allocation, and savings suffer first. Once savings disappear, debt follows.

The Five Finger Rule

Each of life's five important areas is awarded 20% of your budget. These percentages flex to fit your style, stage of life, and age — but always add up to 100%.

Roof Over Your Head

Home loan, levies, rates, insurance, maintenance — capped at 20%.

Travel & Transport

Car repayment, insurance, fuel, maintenance — your full mobility cost at 20%.

Sustaining the Household

Food, groceries, utilities, and all running costs — 20%.

Family

Education, health, clothing, recreation, and family commitments — 20%.

Savings

The non-negotiable 20% that creates wealth — never sacrificed for the other four.

Why Budgets Fail

Without budget control, home and car alone consume 55% or more of income once insurance, levies, fuel, and maintenance are included — leaving nothing for savings. We rebalance this to 20% each.

Getting Out of Debt

My Fair Share programmes supply templates and webinar or video guidance on how to correct your budget, get out of debt, and build wealth — all from the same budget from which it currently appears impossible.

Book a Free Discussion

Section 07

Balanced Life

Life is more than just money. Here we pursue a journey to balance all sectors of life with finances, drawing on the wisdom of Solomon — widely acknowledged as the wisest person who ever lived.

These principles create longevity of life, better relationships, stronger bodies, healthy minds, generosity, and much more.

This will be a journey of discovery — and it will vary for each group in the various areas of life.

Book Your Space in the Next Group

My Life Wheel — balanced life across all areas

A balanced life wheel covers Career, Finances, Health, Family, Friends, Love, Self, Recreation, Contribution, and Spirituality — each area deserving intentional attention.

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Whether it's a single product enquiry or a full financial life plan, we're here to assist you every step of the way.

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"A better mouse trap exists. Go and find it."