Below are answers to the questions we hear most often. If your situation is more complex, we’re happy to talk it through.
No. We work with individuals and families facing genuine financial complexity — typically professionals, retirees, and families where financial decisions have long-term consequences. We’re not structured for transactional or once-off advice.
We don’t lead with a hard asset threshold — complexity of situation matters as much as portfolio size. That said, our work is most relevant for clients with investable assets of R5 million or more. Retirees typically start at R15 million, and family office clients at R50 million or above. If you’re unsure whether we’re the right fit, the best first step is a conversation.
We charge a fixed annual planning fee based on the scope and complexity of advice required — not a percentage of assets under management.
Because portfolio size doesn’t reliably reflect the work or responsibility involved. Two clients with similar portfolios can require very different levels of advice.
Sometimes, sometimes not — it depends on your asset level and what you’re currently paying. At higher asset levels, a flat fee is almost always significantly lower than a percentage-based fee. At lower asset levels it may be comparable. What changes is the alignment: our fee doesn’t move based on what we recommend or what markets do.
No. We don’t earn commissions on any product we recommend. Our income is the planning fee agreed with you at the start of the relationship. This is what makes genuine conflict-free advice possible.
No. We operate as an independent financial planning firm and a Graviton partner. We are not employed by, or financially incentivised by, any product manufacturer, fund manager, or investment platform. We select products and platforms based entirely on what is appropriate for your situation.
We construct and oversee investment portfolios on behalf of clients, working through approved platforms and our Graviton DFM partnership where appropriate. We do not hold client assets directly — all assets are held on regulated third-party platforms with full transparency.
It starts with a conversation — no agenda, no obligation. If there’s a fit, we move into a discovery phase where we build a complete picture of your financial situation. From there we develop a financial plan, present our recommendations, and agree a fee based on the scope of work involved. Most clients are onboarded within four to six weeks of that first conversation.
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