Financial
Planning
Professional advice is crucial for successful financial planning.
ABOUT FINANCIAL PLANNING
Why do you need
financial advice?
If you’ve called on the help of professionals to give you medical or legal advice, you’ll know that there’s nothing like professional training in a specialised field to set you on the right path.
Our licensed financial advisers are authorised by SanlamAllianz. Consulting a specialist is essential to help guide your important financial decisions.
THE PROCESS
Proven and authorised by SanlamAllianz
Our financial advisers will help you develop a complete financial plan. This will include information on how to get the amount of cover you need, how to invest your money based on your individual financial situation, how to get the best benefits based on your individual tax structure and how to ensure that your retirement savings portfolio is properly managed.
When you engage the services of a professional financial adviser, you can expect to go through a specific process so that the planner can identify and meet your goals. Your adviser will provide you with a holistic approach to make sure that your financial needs are understood, planned for, executed and reviewed on a regular basis.
What to expect from our financial planning process, step by step
1: The initial meeting
This is where you will talk about your financial objectives and requirements to decide the way forward.
2: Identifying your goals
The financial adviser will ask questions and discuss your planning needs with you.
3: Assessing your financial situation
A thorough analysis of your existing financial situation is important to design a financial plan that is meaningful and attainable.
4: Preparing a financial plan
Your financial adviser will provide you with written recommendations or a proposal about how to invest or insure yourself, based on your needs.
5: Implementation
Once you're happy with the financial adviser's recommendation, he/she will implement your financial plan with the investment, savings or insurance-based solutions you agreed on.
6: Review
Your financial needs will change as your life changes. You may get married, have children, lose a spouse, or lose your job. You and your financial adviser should have an agreement to regularly review your financial plan.
NEEDS ASSESSMENT
Why your information is important to us
Your financial adviser needs to understand your personal and financial situation and your financial needs in order to do financial planning. You can provide this information before a consultation to increase the effectiveness of the consultation. You only need to provide information that you feel comfortable sharing; if additional information is required before a consultation we will contact you.
DRAFTING A WILL
It’s never too early or too late to start drafting a will
A will stipulates how your property, possessions, money and other assets will be distributed when you pass away. It will also give you peace of mind that your estate will be taken care of. Speak to a financial adviser about drafting your will.
INVESTMENT PROCESS
What to expect from the investment process
The proven investment process is supported by SanlamAllianz’s research team. Our advisers consider:
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Your goals
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Your risk profile
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Your time horizon
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Your tax strategy
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Your specific preferences
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All legal provisions
They then propose an investment solution with realistic targets that will be closely monitored and adapted to changing circumstances.
LIFE EVENTS
