Services
Financial Planning
Every risk or investment strategy begins with a financial needs analysis. Our considerable investment in world class technology in conjunction with our own experience and expertise guides our clients through fluctuating economic markets and changing regulatory requirements. Regardless of whether you are starting a business, beginning your career or looking forward to imminent retirement, we will tailor-make a plan that is best suited to your life stage, financial goals, risk profile and lifestyle priorities.
While finding the right investment strategy for today is certainly a step in the right direction, we maintain a keen focus on tomorrow and beyond to ensure that your portfolio keeps pace with changing objectives and life circumstances.
Estate planning involves the intricate detail in managing your assets while you are alive, and then creating a plan to distribute these assets when you pass away.
Estate planning takes into account the following:
– Wills: Drafting a legally binding last will and testament to make sure that your assets are distributed according to your wishes when you pass away.
– Assurance: Identifying and providing the need for income and capital for events such as disability, severe illness, retirement, funding the acquisition of a business interest (partnership insurance) and for the maintenance of your dependants in the event of your death.
– Trusts: Advice on which trusts are best suited to your requirements as well as the formation of trusts to manage your assets efficiently.
– Buy and Sell agreements: protecting partners if one partner passes away or becomes disabled.
– Succession Planning: making sure that your business can continue to operate in the event of Death, Severe Illness or Disability.
– Taxation: considering donations tax, estate duty and capital gains tax implications.
– Property: should it be bought in the name of an individual, a trust or a company.
The above are examples relating to the many various estate planning requirements. At Refined Wealth, we have the expertise and experience to make sure that all your estate planning needs are met.
Risk
Risk Planning covers you and your dependents against life changing events such as death, severe illness, disability or the need for income protection. It is an essential and inescapable component of any financial planning strategy. With the right professional guidance, it will ensure that there will be sufficient resources to take care of your family’s needs due to death or the sudden inability to work.
At Refined Wealth, more than simply delivering expert advice and optimal products for your specific needs, we measure our success by your ability to provide your family with the peace of mind that comes with knowing that your assets are protected and there are the resources to ensure the continuity of your family’s lifestyle and children’s education.
Key Components:
– Life Insurance
– Severe Illness Cover
– Disability Cover
– Income Continuation Benefit
– Education Protection
– Medical Aid Protection
As any Business Rescue Practitioner will affirm, no company regardless of size or the duration of time it has been in business is immune from risk. The risks associated with volatile economic markets, crime, customers defecting to rival competitors, and of course, the unforeseen death or disability of a business partner or key employee.
To counter situations that can have a devastating impact on the longevity and continuity of a business we offer a range of products that include.
Business assurance options include:
– Buy and Sell (Partnership Insurance)
– Keyman Insurance
– Contingent Liability
Investment
In order to secure your financial future, it is imperative to create a professional investment plan to ensure short, medium and long-term capital growth.
Our professional expertise and access to a wide range of investment products helps each client build a portfolio that is aligned with their specific individual risk profiles and income requirements.
Whilst most investment recommendations are designed to offer capital growth over periods of five years or longer, we also offer a comprehensive range of unit trusts, which are flexible enough to provide shorter term liquidity should the need arise. We are diligent about tracking the progress and results of a vast number of local and offshore asset managers and the results we achieve for our clients are testament to this.
Investment options include:
– Unit Trusts
– Endowments
– Tax Free Investments
– Retirement Annuity
– Preservation Funds
– Share Portfolios
In an ever-changing environment, we strive to guide our clients towards developing plans that will result in a secure quality of life during their retirement years.
Our services include:
– Using our expertise to analyse your pension, provident or retirement annuity fund to determine if expected returns will meet your expectations in retirement.
– Recommending the right balance of investments that are structured to keep pace with taxation and inflation whilst also being aligned with the client’s risk tolerance profile and specific financial goals.
– Access to a comprehensive range of unit trusts and linked investment products to ensure financial independence.
Key Components:
– Retirement Annuity
– Preservation Funds
Health
Unforeseen medical expenses can derail the most carefully crafted financial plan. It is for this reason that we meticulously evaluate your healthcare coverage and recommend the most optimal medical aid and gap cover solutions.
We have an in depth understanding of the healthcare and corporate wellness environment, with a combined 28 years of experience we aim to offer our clients the very best advice and service always.
We take the time to understand your personal or corporate needs in order to give you the best advice and in turn the most appropriate plan for you, your dependents or your employees.
As an independent advisory firm, we have contracts with a large number of industry leading medical schemes and because we have the insight and knowledge about the various providers available, we can advise you on the most suitable products for your needs.
Key Components:
– Medical Aid
– Gap Cover
Short Term Insurance
Because life doesn’t come with predictable outcomes, it makes sense for clients to cover themselves and their possessions against unexpected occurrences. We have an excellent reputation for providing affordable yet comprehensive short-term insurance solutions that respond to the specific needs of every client, for personal and commercial purposes.
More than simply an Authorised Financial Services Provider, our short-term brokers have the expertise and the industry knowledge to link clients with the very best products and service providers for their particular requirements. In fact, rather than simply selling short term policies, we build relationships with our clients that enable us to manage their portfolios to ensure that their homes, vehicles and valuable personal possessions are adequately covered at all times.
Most importantly, we play an essential role in minimising the stress associated with loss or damage by ensuring that claims are processed as swiftly and efficiently as possible.
Our areas of expertise include:
– Personal Lines Insurance
– Commercial Lines Insurance
– Professional Indemnity
– Liability Insurance
Employee Benefits
In today’s competitive economic market, the ability of a business to attract and retain high calibre staff is contingent on the benefits that are offered.
At Refined Wealth, we have the expertise to structure Employee Benefit Packages to meet the customised requirements of small, medium and large companies.
Our areas of expertise include:
– Group Risk Benefits
– Pension Funds
– Provident Funds
– Retirement Annuity
– Preservation Funds
– Corporate Healthcare
– Corporate Wellness
Treasury
In today’s ever changing, increasingly competitive environment, businesses that do not have a well- defined strategy for integrated cash management are doomed to fail. More often than not, integrated cash management is a complex process. We believe we have created an ideal structure to protect and manage our client’s liquidity.
Whilst there is no question that liquidity is the lifeblood of every business operation, it is also essential to maximise the return on funds that are not being utilised. To achieve the most optimal returns for our clients in this regard, Refined Wealth utilises the highly efficient Investec Corporate Cash Management System.
Investec Corporate Cash Manager is a secure, online platform that provides intermediaries like Refined Wealth with a secure environment in which to transact on behalf of its clients.
The system effectively enables us to:
– Open, close and manage accounts on behalf of our clients
– Offer personalised services
– Process transactions on behalf of our clients
– Deliver detailed client reports and statements
– Offer competitive interest rates
Our areas of expertise include:
– Attorney Section 78(2A) Accounts and Property Guarantees
– Estate Late Accounts
– Estate Agent Deposits
– Property Managing Agents
– Call Accounts
– Notice Deposits
– Term Deposits