About us
Rich Ideas is a family-focused, fee-based financial planning practice in Jukskei Park, Johannesburg. We work with parents and families across South Africa and abroad, mostly online, and always on one principle: financial planning first, not policy sales.
We’re proudly independent. We don’t push products to earn commission. Instead, we charge a clear fee to build your personal financial plan, then walk the journey with you through our retainer plans so the plan keeps changing as your life does. You’ll always know what you’re paying for, and why it matters.
Managing money can feel overwhelming, confusing and even stressful. That’s where we come in. We listen, we simplify, and we guide. Whether you’re starting out, growing your family, changing careers, building a business or planning for retirement, we help you make money choices that give you more confidence and peace of mind.
Meet the team
Terence Tobin CFP®
Founder and Director of Financial Planning
Terence is a Certified Financial Planner® professional with nearly two decades in the profession. He fulfils two roles at Rich Ideas: director of the company and director of financial planning. His passion is working with families to help them navigate the complexities of designing their ideal lifestyle, while providing jargon-free advice and planning services.
He believes financial planning should feel like a conversation, not a lecture. He writes the Wealth Without Worry newsletter, and is a regular guest on radio and podcasts talking about money and families.
Salomé Nel
Financial Adviser and Operations Manager
As a Financial Adviser, Salomé brings a thoughtful, values-based approach to every client interaction. Financial planning, to her, is about building trust, creating clarity and guiding clients through some of life’s most important decisions. As Operations Manager she also makes sure the practice runs the way our clients deserve.
Desireé Roux
Client Care Specialist
With over two decades of industry experience, Desireé is our warm and reliable Client Care Specialist. Her strengths in arranging, discipline and responsibility keep things running smoothly, while her achiever mindset ensures nothing slips through the cracks. Known for her genuine smile and care, she builds strong, lasting connections with every client.
011 568 1338 · WhatsApp 063 016 7085 · [email protected]
How we work with you
Financial planning doesn’t have to be complicated. Here’s how we walk the journey with you, step by step.
- Let’s connect: Do We Fit? A short virtual chat, at our expense, to see if we’re the right fit. We get to know each other, hear your concerns and share how we work.
- Foundation session/s. We listen carefully to understand your goals, values and financial picture. You share documents, complete our client questionnaire and tell us what matters most.
- Making sense of it all. Behind the scenes we do the number crunching and research: analysis, projections, comparisons and recommendations tailored to you.
- Your financial roadmap. We meet again to walk through your personalised plan. Clear, actionable steps you can take right away, and support to help you do it.
- Implementation. We help put the plan into action: settling debt, tax strategies, setting up investments, sorting out insurance, drafting a Will, cashflow planning.
- Ongoing guidance. As life changes, so should your plan. We meet regularly, depending on your plan, and stay in touch to keep it on track.
Our plans and fees are published on the Fee Structure page and in our Services Guide.
Credentials and compliance
Rich Ideas Group (Pty) Ltd is an authorised financial services provider, FSP #50569, regulated by the Financial Sector Conduct Authority. Terence Tobin holds the CFP® designation from the Financial Planning Institute of Southern Africa.
The only authorised representatives of Rich Ideas Group are the people listed on this page. We do not cold call, and we do not canvass for business by email, WhatsApp or any other means. If someone claiming to represent Rich Ideas contacts you unexpectedly, please do not engage with them, and contact our office directly to check.
Ready to talk?
Start with a free, no-obligation “Do We Fit” chat. No pressure, no sales pitch.
Book a chat Contact us