FINANCIAL PLANNER

• Consolidate and summarise all client assets (policies, investments & properties);
• Make necessary projections;
• Highlight different tax implications;
• Prepare the necessary cash flows to ensure sustainability of income;
• Identify the appropriate investment vehicle and structure;
• Identify the client’s capital & income needs in the event of death/disability/severe illness/retirement;
• Determine capital / income shortfalls;
• Analyse & compare various local & offshore unit trust funds (CIS). Obtain & provide performance graphs, asset allocation, risk & return scatterplots, risk correlation tables etc.

• Consolidate and summarise all policies, investments & assets and liabilities at death, disability or severe illness;
• Consolidate all income and capital needs of the client at death, disability or severe illness;
• Calculate tax and duties payable at death;
• Prepare the necessary estate planning proposal which contains a breakdown of the estate duty, summary at death and liquidity position at death;
• Determine additional cover needed;
• Prepare the necessary risk proposal for disability and severe illness which compares the provisions with the shortfall;
• Determine capital / income shortfall or surplus at death and can make the appropriate recommendation;
• Business Assurance - including Buy-and.-sell agreements, credit/debit loan accounts, contingent Liability, keyperson assurance and. Deferred/Preferred compensation;
• Calculate company values where necessary.

• Liaise closely with all stakeholders (i.e. Wealth Planners / Financial Advisors, External brokers, Investment Consultants from Life and Asset Management Companies)

Administration

Process