Most financial advice is built around what earns the adviser money. Ours is built around what actually helps you.
Most financial advice in South Africa is built around a percentage of your assets. The adviser earns more as your portfolio grows – regardless of the quality of the advice they gave to get it there. That model has no direct correlation to the work done, the complexity of your situation, or the outcomes you actually experience.
This form of remuneration creates a structural conflict of interest. Advisers earn when products are sold … which means advice is often shaped, consciously or not, by what can be recommended. We removed that conflict entirely by moving to a flat planning fee. Our advice covers your entire balance sheet … including areas where we make nothing from the recommendation.
Our fee is agreed at the start of the relationship – before any advice is given, before any products are recommended. It reflects the scope and complexity of your situation, not the size of your balance sheet.
Because we don’t earn commissions and don’t manage assets for a percentage fee, we have no financial reason to recommend one product over another. The only thing that shapes our advice is what is right for you.
Clear, structured advice
One flat planning fee - agreed upfront
Advice that covers your entire balance sheet
Your interests and ours always point the same way
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