Why Choose Us

Experience, Competence, Qualification

  • We have 60 years combined experience gained at major South African financial institutions as Senior Professional Advisers and Managers.
  • We have a track record of advising high net worth individuals, companies, trusts and retirement funds.
  • Our Advisers have specific financial planning qualifications such as CFP as well as wider legal and business qualifications.

Independence

  • Personal Capital is independent. We promote our clients' interests and are not aligned to any financial institution.
  • Our recommendations are based on an objective analysis of benefits and costs and we have no shareholding in any product supplier.
  • We have contracts with all reputable South African Assurance Providers and have access to International Investment and Banking Solutions.

Professional Indemnity Insurance

  • We hold professional indemnity cover for damages arising from advice given negligently by any of our members of staff within our agreed advice mandate.

Compliant

  • We comply with the Financial and Intermediary Services Act and all Regulations and are a member of the Masthead Financial Advisers' Association who are our Compliance Officers.
  • We comply with the laws governing the reporting of Financial Transactions (FICA) and are obliged to report any suspicious and unusual transactions that may facilitate money laundering.

Protected Equity Investing

  • We are part of a very small percentage of independent financial advisers who are qualified in wealth management and are specifically licensed with the FSB to recommend liquid investments that offer equity investors partial guarantees on unit trusts and shares.
  • Our clients get market growth in liquid investment products where the investment house takes most of the risk of capital losses. During the current volatile financial times we live in, we believe that downside protection is important. It is our investment strategy to shift as much risk as we can away from our clients to financial institutions to achieve peace of mind for a minimal extra cost.

“The general who wins the battle makes many calculations in his temple before the battle is fought. The general who loses makes but few calculations beforehand.” ....... Sun Tzu