Seven disciplines. One trusted partner.
From retirement fund governance to personal estate planning, we cover the full spectrum of financial wellbeing for individuals, employer groups and trustee bodies.
Group Retirement Fund Consulting
Securing the financial future of South African employees.
We provide end-to-end consulting services for defined contribution (DC) retirement funds, from inception through to ongoing management and governance support.
Our services include fund re-broking and tendering processes, benefit design and realignment, structuring legacy arrangements, and setting up new retirement funds from the ground up.
We advise trustee boards on their fiduciary duties, investment strategy, asset-liability matching, and member communication — ensuring the fund operates within the governance framework set out by the Pension Funds Act and National Treasury.
Group Risk Benefit Consulting
Protecting employees when it matters most.
Group risk benefits — life insurance, disability cover, funeral benefits and critical illness — are among the most complex and high-stakes decisions an employer or trustee body makes.
We perform detailed claims-data analysis to identify trends, ensure benefits are priced correctly, and negotiate competitive terms during risk broking and renewal cycles.
Our benefit design service aligns cover levels with the genuine needs of your workforce, while our RFP (request for proposals) process ensures you always achieve fair value from insurers.
Healthcare Consulting
Quality healthcare access for every employee.
Navigating South Africa's medical-scheme landscape requires specialist knowledge — of scheme rules, contribution structures, option designs and the regulatory framework of the Council for Medical Schemes.
We assist employer groups in selecting and setting up appropriate medical schemes, advising on the right option selection for different employee segments, and running ongoing member education sessions.
Our goal is to ensure that every employee has access to quality healthcare that suits their family's needs and budget — and that employers understand and manage their obligations under the Medical Schemes Act.
Business Insurance Consulting
Comprehensive cover for your commercial assets and liabilities.
Business insurance is not a once-off exercise — it requires regular review as your assets, liabilities and risk profile evolve. We provide independent advice across all commercial insurance lines.
Our coverage includes assets and property, commercial liability, professional indemnity, public liability, cybercrime and data-breach cover, business interruption insurance, and fidelity guarantee (employee dishonesty) cover.
As independent brokers, we access the full market to ensure you pay the right premium for the right protection — with no conflicts of interest.
Household & Motor Insurance
Personal cover, handled personally.
Your home and vehicles represent some of your most significant assets. Personal insurance should protect them fully — without unexpected gaps at claim time.
We advise on building and contents insurance, all-risks cover for portable possessions, comprehensive and third-party vehicle insurance, and personal liability protection.
We shop the market on your behalf, compare terms across leading short-term insurers, and ensure your replacement values are correctly specified — so you're never underinsured when you need it most.
Personal Financial Planning
Your financial future, mapped with precision.
A robust financial plan is more than a savings target — it is a living document that integrates your income, expenditure, risk profile, investment objectives and retirement timeline into a coherent strategy.
We build tailored financial plans using a thorough discovery process: understanding your goals, stress-testing assumptions, and modelling multiple scenarios to identify the most resilient path.
Our plans cover cash-flow management, debt reduction, emergency fund structuring, investment portfolio construction, tax efficiency, and retirement income planning — reviewed and updated as your circumstances evolve.
Wills & Trusts
Protecting your legacy and your loved ones.
A valid, up-to-date will is one of the most important documents you will ever sign. Without it, your estate is distributed according to the Intestate Succession Act — often not reflecting your wishes.
Our estate planning service includes will drafting and review, the establishment of inter vivos (living) trusts and testamentary trusts, and ongoing fiduciary advisory to ensure your estate plan remains current.
We work with you to minimise estate duty, protect assets from creditors, provide for minor children, and ensure a seamless transition of wealth across generations.