SERVICES

Retirement Planning

Helping you to retire securely

Retirement planning is something that is too easy to put off and worry about later, especially when you are young. With proper planning, we can help you to get on the right track for a secure retirement. To build wealth requires sound wealth creation strategies, good investment selection, continued investment management, and time, to ensure that you have a sufficient income throughout your retirement.

Our financial and retirement planning expertise assists you in making the right investments in your working career so as to enjoy a stress-free retirement by safe guarding and growing your wealth. Planning for retirement is important to ensure your investments are optimised so that you can draw down your investments to fund your lifestyle and also ensure that you do not run out of funds in your lifetime.

The best news is, it is never too early to start developing your retirement plan, or too late to add to it.

Investments

Maximising your money

We have carefully researched available investment options and can assist you to achieve your investment and retirement goals. We select investments most suitable to your age, risk profile, tax position, current income and growth requirements. We will assist you with defining your short and long term goals in order to select the most appropriate investment which will then help you to reach your investment, financial and retirement goals.

We regularly evaluate and monitor your investment portfolio to ensure that the selected investments are amongst the best in their class and are suitably invested with the most appropriate investment managers. Our portfolio solutions take into account both local and offshore exposure. Sirius has its own range of risk profiled investment funds and is an FSCA approved Discretionary Portfolio Manager.

Tax Planning

Minimizing your tax liabilities

Taxes are unavoidable. You can benefit from tax planning, no matter your net worth. We have the expertise to guide you through the complex world of tax and SARS efiling. Whether your investment objective is to preserve your wealth, provide an income or generate capital growth, for the most effective results you need to protect your capital and income from being eroded by tax.

Tax planning involves arranging your funds and assets to achieve tax efficiency. This includes utilizing investments, retirement plans, and deferred income to minimize your tax liabilities and pay only what you owe. We have the expertise to guide you through the complex world of tax and SARS efiling.

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Wills and Estate Planning

Protecting your assets and ensuring your wishes are met

Everyone, regardless of age or financial status, should have a current Will and a carefully constructed estate plan which is a collection of documents that specifies how you want your assets distributed. Proper documentation and effective estate planning can save your family members time and frustration and will help ensure that your assets are dealt with in the manner you intended. Discussing and documenting your intentions with those you trust can help ensure that your wishes are fulfilled.  Optimising your estate plan can reduce your estate duty and related costs and protect your wealth.

Death is an emotional time that is made more difficult for your loved ones if you do not have a Will that states how assets should be divided. Without a Will, intestate succession will happen (the state will decide how your assets will be divided). This may lead to unintended financial hardship as your estate takes an extended period to be wound up. A Will can make provision for you to appoint a guardian(s) for minors and create a support structure for your children to ensure that they are taken care of and to protect your legacy. So we assist you, even after your death, to look after your loved ones.

Medical Aid, Life and Disability Cover

Providing for life’s uncertainties

Life cover is an important part of having a sound financial plan and provides you and your family with financial protection against life’s uncertainties.

We offer independent financial planning solutions with comprehensive advice on risk insurance, covering life, critical illness, disability and income protection insurance. We can also assist you in the selection of the most appropriate medical aid for your particular circumstances.

With the correct cover you will be assured of peace of mind that your loved ones are provided for in your absence.                      

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Employee Benefits

Wanting to boost morale and loyalty?

Looking for a way to provide your employees with financial security at retirement while also improving your ability to attract and retain talent?

As a business owner, offering benefits to your employees shows them you are invested in not only their overall health, but also for their retirement. A solid employee benefits package can help to attract and retain valuable talent. Healthier employees mean reduced days off and increased productivity. We can assist you to tailor-make an affordable package for your business.

Our Planning Process

Helping you craft your wealth journey

In keeping with International best practice, we follow the six step process in Financial Planning. Our financial advisors will guide you through this process that will assist you in assessing and planning your current and future financial requirements and developing a Financial Plan to best meet your specific needs.

01

Establishing and defining the professional relationship:

Your initial appointment with us is without charge or obligation. At this meeting, we will explain the services we provide and define both both our and your responsibilities. We will assist you to understand our financial planning process, identify your needs and discuss your financial and lifestyle goals. We will explain how we will be paid, and by whom, and how decisions will be made. We will also establish the next step and obtain your consent to proceed with the advice.

02

Gather all necessary client information:

In this step, we will gather all the relevant information relating to your financial situation and discuss your financial goals and aspirations. This will include your time frame for your financial needs and your risk profile. We will also gather all the necessary documents that are required to give you the relevant advice so that you can make an informed decision.

03

Financial Analysis:

We will then analyse your personal financial situation, including your current assets, liabilities, and income and expenses, and determine what needs to be done to meet your goals. We will further evaluate your tax situation for tax efficiency and retirement planning. We will need to take into consideration your wishes around your estate (how you would like your beneficiaries to be protected and your assets to be preserved in the event of your death) so that your personal financial plan can be tailored accordingly. Similarly, any existing investments or policies you may have will be evaluated and included in your plan.

04

Development of your financial plan- preparing and presenting recommendations and solutions:

Based on the information you provide, and having spent sufficient time evaluating the best possible solution for your particular circumstances, we will offer financial planning recommendations that address your goals. We will discuss this with you to ensure that you understand these recommendations so that you can make informed decisions. The advice and recommendations of your plan will be adjusted at your discretion.

05

Implementation of the Financial Planning Recommendations:

Once you are completely satisfied with our recommendations, together, we will agree how the recommendations will be carried out and who will be responsible for implementing the plan. We will present you with a record of advice detailing the recommendations and plan of action. Any future changes and the reasons for these changes to the financial plan will be noted and kept in your file. Other professionals, such as tax specialists or attorneys, may implement parts of the financial plan should this be deemed necessary.

06

Review and Monitoring of your Financial Plan:

This process is ongoing and will constantly be monitored and re-evaluated. Based on your requirements, regular review meetings will be scheduled to review your financial portfolio and to proactively adjust your financial plan in the event of any important changes in your life and circumstances. We will ensure that you are kept up to date and informed on the progress of your investments and that your financial plan stays current and relevant all the way through your life, keeping your long-term lifestyle goals in mind.

ASSET MANAGERS

Sirius, as an independent financial services practice, has contractual relationships with most of the well-established Asset Management houses and Life companies, including….