"The most difficult thing is the decision to act, the rest is merely tenacity."

- Amelia Earhart -


Financial planning is a journey. Let's go on this journey together.


I am a qualified and accredited Financial Advisor as listed with our professional body, the Financial Planning Institute (FPI), as well as the financial services board.

My ultimate goal is to help you become financially secure and build long term wealth. 

I am a regular, easy-going guy with a passion to help people from all walks of life - the vendor on the street as well as those who trade on the JSE. I’m a husband. I’m a planner. I'm a new dad. I have a creative side. But most importantly I am relaxed and real.

Every month I send out an information newsletter, to receive a copy, please contact me.

To book a complimentary consultation with me, please view my online scheduling platform to select a date and time suitable for you.


I assist my clients in creating financial plans to meet their financial objectives through savings & investments, tax reduction and personal protection plans within their affordability.  This is to ensure you reach FINANCIAL WELLNESS.

As each client is a unique individual with their own desires, needs and requirements, I offer professional step-by-step financial planning that is based on a detailed personalised financial needs analysis. This is undertaken over a period of time and in line with ever-changing budgetary and family requirements.

I pride myself in offering holistic planning services, educating my clients through the decision-making process and allowing you to make the ultimate decision without being pressured into products/services that you do not need or cannot afford.

In my practice, I work with all individuals, whether just starting in a new job, recently married/divorced, new parents, professionals, retirees and those who have lost loved ones.

Yes, I know you are busy juggling your career, family, going to gym, looking great and keeping in contact with your friends. I am there to take the stress out of your life with regards to financial planning and show you how easy it actually is. The best part is that I don’t work for an insurance company, so I am completely independent and unbiased.


Terence Tobin


Salome Nel


"Strive not to be a success, but rather to be of value."

– Albert Einstein -


Independent advice on all your risk protection, fiduciary and investment planning needs; helping to create, grow and safe-guard your wealth! All with a single minded focus on – YOU!

Retirement Planning and Provision

The sooner you begin to plan and save for your retirement, the sooner you can retire! The product most bought for this type of financial planning and provision is known as a Retirement Annuity (RA). Most companies have RA’s worked into their remuneration packages, but many don’t.

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Retrenchment Benefit

Have you thought about what you and your family will do if you are retrenched? If it hasn’t happened to you, you probably know someone who’s been retrenched. In these tough economic times, it’s one of the most understandable fears. You want to be protected if you’re faced with retrenchment or liquidation.

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Investments & Tax Free Accounts

When it comes to investing, it’s important to have a diverse portfolio. My expert knowledge and extensive investment options allow you to truly choose the very best products available to you. From low-risk, long-term investing to high-risk, short-term strategies we can mix it up or keep it conservative: investments completely tailored to who you are and where you want to go.

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Estate Planning

Estate planning is not only for the mega-rich. If you have assets, investment policies, risk cover and more than one potential beneficiary, then I can assist you with the planning of your estate and how it will be allocated when you pass away. An estate that is left open can cause a difficult time to be even harder for those who are left behind. Often there is more work needed on a R3m estate than on one that is worth R20m!

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Critical Illness

These products are also known as Dread Disease Cover. Advances in medical care mean that more people can now survive illnesses once thought to be fatal. However, although many individuals lead relatively normal lives, they no longer enjoy the same mobility or good health. The best medical treatment can cost you and your diminished ability to work could force you to make severe lifestyle changes.

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Disability & Income Protection

Most households in today’s economy rely on more than one income to keep the household expenses under check, very few are able to survive on one income alone. If you were injured or disabled in some way and could no longer work, would your family be able to cope without your income?

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Life Cover

You pay tax every month to the state, but what are you paying to provide for those that you love and care about after you have gone? Life cover should not be seen as a grudge purchase but rather as an investment into the future of your spouse and children. You work hard to provide for them now, that shouldn’t have to change in the future.

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Corporate Benefits

Group Life, Pensions and Provident Funds remain an essential part of a well run business. I will tailor your company’s pension and provident funds for you, using the most appropriate corporate providers to tender for the risk benefits and the retirement benefits separately – ensuring cost effective and customer specific corporate benefits.

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Business Assurance

Will your business survive if you are disabled, die or become impaired or what would the consequences be if this happened to one of your partners? Together we can design flexible and comprehensive solutions to meet your business assurance needs, utilising Key-Man policies and Buy-and-Sell agreements where appropriate.

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"Your time is limited, so don’t waste it living someone else’s life."

– Steve Jobs -


What my clients have to say about me


"Happiness is not a goal; it is a by-product."

– Eleanor Roosevelt -


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