Creating Your Financial Blueprint Understanding your vision and goals Learning more about your history and background with money Understanding your values and priorities Begin with

Cashflow Planning& Balance Sheet Management Understand income streams Review outgoings and spending Deal with debt Review cash reserves and liquidity Net worth expansion and management

Protecting Assets, Income and Family Ensure income is adequately protected Make sure dependants are taken care of on death Protect against major illness Ensure assets

Retirement and Financial Independence Strategies (Pre -and-Post) Scenario modelling for retirement or financial independence Maximising employer sponsored benefits Optimizing asset allocation Cost/Benefit analysis of existing

Investment Planning and Portfolio Management Developing and executing an investment strategy Creating short-medium-and-long term strategies Enhanced cash and MM rates Ability to create capital growth

Tax Planning and Optimization Maximising tax efficient retirement strategies Utilizing tax efficient investment strategies Help with tax submissions (referrals to partners) for personal and business

Estate Planning Facilitating Up to date local wills Helping with foreign wills Asset Mapping Liquidity analysis Beneficiary nominations Helping with executors and winding up estates

Business Continuity and Succession Ensure business continuity Create liquidity Understand the exit plan Cater for succession Diversify against major concentration Dealing with equity tax efficiently

Life Happens and Special Situations Starting a business Receiving a windfall/inheritance Getting married Having kids Being retrenched Take a year off/sabbatical Children education planning Divorce

Legacy and Inter-Generational Wealth Planning Setting up a family charter Working with children and heirs Creating a family legacy Charitable giving Office Number: +27 (0)21