Who We Work With

We work with clients who are ready to adopt a new approach. Who look at life differently. They might be at different life stages with different needs – but they share our philosophy that money is simply a tool to enable us to live life on our terms, giving us the freedom to choose, and ultimately to give wealth purpose

Henceforward Clients

We also find that for many of our clients, their values align with our own. They value nature and the outdoors (in its myriad forms whether it be camping, hiking, sports …); they tend to prefer experiences over material consumption (like travel and adventure); they are generally open-minded and curious about the world around them.

We don’t believe in a one size fits all approach and work with each client in a way that is customised to their needs and helping them achieve their goals.

This has led us to develop the following service models.

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Family Office Clients

We work with families and business owners concerned with leaving a legacy and being able to pass on their wealth to heirs and future generations responsibly and effectively.
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Henceforward

Professional Millennial

Professional millennials and entrepreneurs we’re talking to you … we love labels (not really). It’s less about age and more about attitude. You could be 25 or 45. This is aimed at professionals and entrepreneurs who want to create their own script. Financial freedom and independence (rather than retirement) is the goal.
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Henceforward

For Retirees

You’re approaching retirement or recently retired. We understand that the biggest danger retirees face is outliving capital and being able to answer that dreaded question, “Do I have enough?”
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Henceforward

Family Office Clients

We work with families and business owners concerned with leaving a legacy and being able to pass on their wealth to heirs and future generations responsibly and effectively.

Professional Millennials

Professional millennials and entrepreneurs we’re talking to you … we love labels (not really). It’s less about age and more about attitude. You could be 25 or 45. This is aimed at professionals and entrepreneurs who want to create their own script. Financial freedom and independence (rather than retirement) is the goal.

For Retirees

You’re approaching retirement or recently retired. We understand that the biggest danger retirees face is outliving capital and being able to answer that dreaded question, “Do I have enough?”

Our clients are time poor and have many moving parts to their lives. Their affairs and assets might be more complex, often with a global footprint, and can involve working with or co-opting a number

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Family Office Model

9-5 work until you’re 65 doesn’t exist to you. You earn well and/or have a lot of your wealth tied in stock options; You’re probably at a stage of your life where you’re ‘income rich’ but ‘asset poor’

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The Professional Millennial

The biggest fear and danger you face at retirement is outliving capital. You’ve worked hard your entire life and now we help you navigate that next stage of life where you leave the comfort and security of a career and secure income behind and want to have...

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The Retiree Model

Family Office Clients

We work with families and business owners concerned with leaving a legacy and being able to pass on their wealth to heirs and future generations responsibly and effectively.

Our clients are time poor and have many moving parts to their lives. Their affairs and assets might be more complex, often with a global footprint, and can involve working with or co-opting a number

of specialists, e.g., business partners/shareholders, local and foreign trustees, accountants and lawyers. 

We act as a “helicopter” planner, hovering over that intersection of life where wealth, business, family and health meet – to ensure that the consequences of each decision made always fully aligns with what is important and the vision and blueprint established.  

Achieving financial security is no longer the objective but managing the family balance sheet in an integrated and holistic manner is the goal with inter-generational wealth planning and legacy the primary focus.

Total family balance sheet (including trusts) is typically upwards of ZAR 100 million. We help oversee and manage the process to give peace of mind and confidence that your intentions and wishes are fulfilled. 

Henceforward Family Office clients
Henceforward Family Office clients

Your Pain Points

Time is Limited

You’re busy and have a lot going on. Running a business or managing a household. You need someone to hold you accountable and give you focus.

Competing Opinions

Sometimes getting started and focused is the hard part. You’ve spoken to a lot of ‘advisors’ over the years, all with different opinions.

Keeping track of everything

You have assets and accounts in a lot of places. Locally and abroad. Property, investments, bank accounts, trusts. It’s a lot to keep a track of.

Protecting Your Family’s Interests

Protecting Your Family’s Interests Knowing your family and loved ones will be well taken care of isn’t the concern. It’s about having the peace of mind knowing everything is in place and arranged is most important.

Optimizing Your Investment Strategy

You’ve probably invested in a lot of things over the years. But having an efficient, holistic strategy fully aligned with your key goals is now the priority.

Preparing the Next Generation

Teaching your children and heirs the value of money and preparing them for the responsibility of inheriting the family wealth is where we can add real value by having those important conversations and equipping them with the knowledge and tools they will need.

Your Family CFO

With lots going on and a lot of pieces in the metaphorical puzzle – making sure you have someone to oversee and co-ordinate the process will make your life simpler and everything easier to manage.

Lots of Advisors

You have accountants, lawyers, tax specialistsand numerous advisors. Typically, all working in silos. No one ensuring a holistic and aligned strategy to ensure all your goals are met.
How We Work with Family Office Clients
Henceforward Millennial Clients
Henceforward Millennial Clients

Professional Millennials

Professional millennials and entrepreneurs we’re talking to you … we love labels (not really). It’s less about age and more about attitude. You could be 25 or 45. This is aimed at professionals and entrepreneurs who want to create their own script. Financial freedom and independence (rather than retirement) is the goal.

9-5 work until you’re 65 doesn’t exist to you. You earn well and/or have a lot of your wealth tied in stock options; You’re probably at a stage of your life where you’re ‘income rich’ but ‘asset poor’ (with a lot of your income going to servicing your debts like mortgages etc.). Improving the health of your balance sheet and your net worth and planning for passive income streams is what we help you do. We model for financial independence and provide a structured, holistic strategy to follow so you can concentrate on what you are good at. Income typically over ZAR 1 million p.a. with balance sheet (including retirement assets, property) of ZAR 5 million plus

Your Pain Points

You’re Busy

Building your career or growing your business. Focusing on your finances and growing your wealth just aren’t a priority – or you’re just not focused enough to give it the time it needs.

Life Feels Complicated

Getting married. Starting a family. Buying a house. Taking a sabbatical. Starting a business. Getting divorced. Life happens and having someone to guide you through that makes it so much easier.

You’re struggling with your finances

Managing your cashflow is how you start the journey to financial freedom. You want to get on top of this so you can work towards achieving financial freedom.

How do you develop an investment strategy?

The investment world is broad and complex. If this isn’t what you do for a living, knowing where to start and developing a clear strategy is hard. We help you create an optimized investment strategy built around a clear planfor achieving financial independence.

Making Sense of Your Employee Benefits

Understanding your employee benefits and how to optimize them can make life so much easier. What fund should you invest in, what medical benefit should you choose, how do you maximize your wellness options, what amount of cover should you select? Boring but critical stuff.

You want to be sure those you care about are protected

If you’re married or in a serious relationship and/or have kids - you want to be sure if anything happens to you, those you care the most about will be taken care. Doing all that grown up stuff like getting wills drafted, making sure your estate plan is solid.

Knowing someone has got your back

You’re busy. You have a lot going on. Making important investment and money decisions isn’t necessarily your forte. Knowing you have someone you can rely on and whose got your back – now that’s priceless!

How to live for today while planning for tomorrow

We only have one life. You want to live it. So, getting your money to work for you so you can live your best life today, while still planning for tomorrow … that is something we all strive for and help you with.
How We Help Professional Millennials

For Retirees

You’re approaching retirement or recently retired. We understand that the biggest danger retirees face is outliving capital and being able to answer that dreaded question, “Do I have enough?”

The biggest fear and danger you face at retirement is outliving capital. You’ve worked hard your entire life and now we help you navigate that next stage of life where you leave the comfort and security of a career and secure income behind – and want to have the security and peace of mind to know that all eventualities have been planned for and that you can live the life you’ve set out to.

We help you understand the impact all your spending decisions and lifestyle choices will have, to create the optimum income or drawdown strategy that works for you.

We assess the correct product mix, optimal asset allocation, model for different scenarios, stay on top of markets; while ensuring those you leave behind are taken care of and all your affairs are in order. You typically have retirement and liquid assets of ZAR 10 million +

Henceforward Retiree Clients

Your Pain Points

Trying to evaluate all your options

Retirement is about enjoying life. Having the peace of mind knowing you made the right decisions. Living annuities, life annuities, tax computations, longevity – you want to know whether you can live the life you’ve always wanted to.

Things can seem daunting

Once you lose the safety net of a consistent salary or career, it can be tough to adjust. Making the psychological shift to your new reality may not be easy. You want a trust partner that will support you along the way.

How to manage your Cashflow

Your cashflow needs evolve as you move through retirement. Medical expenses, travel, hobbies, a new car, grandchildren – you want to stay on top of it and make sure your strategy is adaptable.

Assessing your Income Needs

Re-assessing your income needs and safe level of capital withdrawals is an ongoing task. What if markets are up? Or what if markets are down? What about the geopolitical risks or new legislation? You want someone to guide and help you make the right decisions.

Making sure your investment strategy remains correct

In the de-accumulation stage of live, managing your investment strategy, asset allocation and assessing the ongoing risks is a big job. There are no 2nd chances so you want to be sure you stay on course.

Staying on top of your estate plan so you can be sure your loved ones will be okay

Are your wills up to date? Has your estate plan been reviewed? Is there sufficient liquidity? Does your spouse and family know what to do when you’re not there? We support, guide and educate so everyone knows what to do when the time comes.

How do you plan for old age and frail care?

What will do when you need special care or attention? Have you planned for the next phase of your life? Will you stay where you are or move into a retirement home?

You want to worry less and live more

You just want the peace of mind knowing you’ll be okay, you’ll have enough to see you through and your loved ones will be taken care of.
How We Work With Retirees

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