Retirement and Investment Planning
Background on Highveld Wealth
The company functions as a completely independent financial adviser with multiple product providers to its disposal. This enables us to remain as your financial adviser even if you leave the employ of Highveld PFS.
Our aim is to provide objective and professional advisory services to corporate and private clients, particularly with regard to financial planning and corporate benefit requirements.
Given the wide range of investment products, offshore structures, life cover options and investment alternatives, as well as the effects of the economy, a holistic view of long term financial planning is necessary. At Highveld Wealth, we focus on building relationships with our clients, understanding their requirements. We implement this ideal in consideration of the clients’ specific and sometimes, changing risk profile. We base our service delivery on stringent risk management, quality control and service delivery. Typically, we act upon authorization of the client and then analyze his/her whole portfolio by commenting on existing investments or policies. This more than often results in lower premiums with higher benefits.
Our team of professionally qualified, experienced individuals is the key to our success. Their combined skills cover all aspects of financial services, including legal, economic and accounting expertise.
The Team:
We can gladly assist you with the analysis and proposals as set out above. We have an expert team with much experience. The background and expertise of the team are as follows:
| Key Persons | Francé Holtzhausen | Francois Koekemoer | Christo van Zyl |
| Qualifications | B Proc LLB FILPA | BLC LLB FILPA | BCom Economy |
| Experience | Since 1996 in the financial industry as legal adviser (Old Mutual), financial adviser (PWC, AWM), international banker en financial adviser (Investec) and financial adviser (independent) | Since 1995 in the financial industry as legal adviser (Old Mutual), financial adviser (PWC, AWM), international banker en financial adviser (Investec) and financial adviser (independent) | Since 1997 in financial industry as a consultant (Charter Life & Momentum) Health Specialist (Momentum Health) , Group Risk Specialist (Discovery) Financial Advisor (Independant) |
Services
We offer the full spectrum of personal financial planning, including:
- Investment advice, planning and reviewing
- Retirement planning
- Offshore investments
- Business assurance
- Evaluation and restructuring of insurance portfolio
- Medical funds
Associated services
We also offer associated services through a network of joint ventures or working relationships. In this way specialist functions are outsourced to reputable third parties in order to meet our clients requirements. However, the personal relationship with the client will never be compromised.
These services include:
- Drafting of wills
- Formation of companies, CC’s and trusts
- Administration of deceased estates
- Equity portfolio management
Investment need
An investor who has money to invest is broadly speaking looking for capital growth (or preservation) and or an income, or a combination of both. With an investment planning the process should be:
- Examining the objectives
- Designing an investment strategy which takes into account the following:
- Impact of risk of the product
- Risk appetite of the client
- The risk inherent to the investment company (institutional risk)
- Time horizon risk (term for which the investment is made)
- Liquidity of the investment
- Taxation
- Inflation
- Life and Risk cover needs
- Diversification between different asset classes (equities, property, cash and bonds)
- Diversification between different fund managers
- Geographical diversification
Accumulated capital should be preserved (at the very least), and to preserve its buying power it is imperative that it grows in value by at least the same rate as inflation.
Retirement Planning
It is important that calculations are done to indicate what an investor will need as a required income at a future date as a retirement income. This is offset against the capital and investments that are in place to determine whether a shortfall exits or not. Importantly, tax efficiency is paramount and the investor should obtain informed advise on tax planning leading up to retirement and tax planning after retirement.
Another important factor is the cost inherent to the product since this could adversely affect the growth of the product. Sound financial advise should be sought here.
Underlying portfolio choices are just as important and the larger the choice and flexibility, the better for the investor. These fund choices should be monitored on an ongoing basis in order to maximize the future value.