"The true objective for any long-term investor is maximum total real return after taxes and inflation". 
Sir John Templeton

1  Interview

Our initial appointment with you gives you the opportunity to become acquainted with Redfin Wealth and our solutions.  This allows us to understand your distinctive set of values, your outlook, your objectives and past investment experience.  We explain our process and answer any questions you have.

2  Retirement Planning Data Gathering

We crunch the numbers, review your existing investments, cover tax, estate and income planning.  At this stage we also ask to look at your will to ensure the plan aligns with your wishes.

3  Implementation and Explanation

Your plan is presented and explained in as much detail as you require and, if necessary, or make any changes if you so wish.

4  Ongoing Review

Your investment strategy and investment performance is reviewed on an on-going basis,  at least annually or as and when circumstances change, and additional meetings are required.

"It's not about how much money you make, it’s about how much money you keep and how hard it works for you."

Organisation

We will help by assisting you in getting your financial house in order at both the "macro" level of investments (estate planning, income tax, foreign earnings, capital gains, estate duty etc) and "micro" level of household cash flow.

 Accountability

We will help you follow through on financial commitments, by working with you to prioritise your goals, show you the steps you need to take, and regularly review your progress towards achieving them.

Objectivity

We bring insight from the outside to help you avoid emotionally driven decisions in important money matters, by being available to consult with you at key moments of decision-making, doing the research necessary to ensure you have all the information, and managing and disclosing any of our own potential conflicts of interest.

Proactivity

We work with you to anticipate your life transitions and to be financially prepared for them, by regularly assessing any potential future life transitions and creating the action plan necessary to address and manage them ahead of time.

Education

We will explore what specific knowledge will be needed to succeed in your situation, by first thoroughly understanding your situation, then providing the necessary resources to facilitate your decisions, and explaining the options and risks associated with each choice.

Partnership

We attempt to help you achieve the best life possible given your personal financial situation and will work in concert with you, to make this possible. We will take the time to clearly understand your background, philosophy, needs and objectives, work collaboratively with you and on your behalf (with your permission), and offer transparency around our own costs and compensation.

Research Expertise

Your portfolio is managed and rebalanced regularly to maintain appropriate asset allocation via the expertise and association we have with an Independent Discretionary Fund Manager who are mandated and experts in the field of fund research and investments.

They share our value principles of being client focussed and long-term orientated.  The team comprises of investment professionals with extensive executive management experience in financial services and asset allocation.  With offices in SA and UK, they have developed a deep understanding of developed and emerging market investment environments globally as well as industry trends.

"Time is of more value than money.  You can get more money, but you cannot get more time."
Jim Rohn

We offer solutions that are designed to stand the test of time. We aim to set and agree on a sound intellectual framework and strategy to meet your goals and objectives. Our solutions target real returns (ie. after inflation and fees).

At retirement you need to carefully consider both the financial aspects of retirement and the desired lifestyle – where money and meaning meet. Fulfilment at retirement is addressing your current and future goals and setting aside time for every area of your life.

Once we understand the lifestyle you wish to achieve we can then determine what returns are required and what assets are needed to provide this lifestyle.  Through a disciplined interactive process and a sound framework, we will design a financial plan that best suits your needs.  A carefully constructed plan will help you plan to save enough to comfortably retire and to navigate your way through your retirement days.

"An investor who has all the answers doesn’t even understand the questions".
Sir John Templeton

Personal Risk Planning

Risk planning is essential to a comprehensive financial plan.  The art of good risk management involves managing those risks that one is capable of managing and insuring against those that one cannot.

During all life stages, you are faced with risks that you cannot manage.  These include your death or incapacity before retirement.  These events will interrupt both the income required by yourself and your dependents and the accumulation of your capital for retirement.   It is essential to plan for these unknown risks which may occur.  This ensures that you and your loved ones are taken care of in the manner you so desire should something unforeseen happen.   It allows for sufficient capital for beneficiaries and liquidity for the estate as well as protecting your income and lifestyle in the event of a permanent disability or dreaded disease.

These risks are insured against with life cover, capital disability, protection of loss of one’s income (both temporary and permanently) and critical illness/dread disease cover (which covers heart attacks, strokes and cancers which result in severe and often prolonged illness). We select suitable products for different types of risk and select those which are most cost-effective and best-suited to your specific requirements and those of your family.

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Business Continuity  

Having a Buy and Sell Agreement in place is essential for both succession and estate planning.  In the event of you or one of your business partners dies or becomes permanently disabled, it is vital to ensure the continuity of the business and to provide reassurance that the wealth locked-in to the business can be enjoyed by the affected family.

The agreement to buy and sell a business shareholding in the event of a death or permanent disability can be structured in two ways, between individual shareholders (Buy and Sell Agreement - Bilateral or Unilateral) or between the company and a shareholder (Share Buy Back).  A typical buy and sell agreement is where all shareholders agree to sell their shares in a business upon their death or disability, to all the remaining shareholders, in proportion to their interest in the business.

Realistically, many shareholders and businesses don’t have the excess liquidity to purchase the shares of a shareholder unexpectedly.  The simplest solution is to put a policy in place to fund the purchase of the shares. Each partner takes out a policy on the other’s life, which funds the purchase of their interest should the time come.

We recommend that the Buy and Sell agreements and life assurance policies underlying these, be reviewed regularly in order to ensure their validity, business values and any partnership changes are taken into account.

“Plan for tomorrow today”

Fiduciary – Drawing up of a Will and Estate Planning

Many people delay the drafting of a will and this can have disastrous and irreversible consequences.

It is imperative to be prepared for unforeseen circumstances to ensure loved ones and dependants are taken care of in a cost-effective manner.

There is little in life that we can control however there are some things we can do to circumvent fate. Drawing up a will is one such thing. By drawing up a will you ensure that your assets are disposed of in accordance with your wishes after your death.

The primary consideration in deciding on the contents of your Last Will and Testament should include factors such as Estate Duty, the quick and smooth administration of your Estate and the protection of the assets of your Estate from creditors and mal-administration. A carefully structured will helps execute and distribute the assets in the best tax efficient manner saving you and your Estate taxes where possible.

We assist you with the drawing up your will ensuring that on your death your loved ones are assisted with all the difficult processes they have to deal with in a caring and efficient manner.

"Make money work for you – it does not sleep, get tired or go on vacation."

Fees

Initial Advisor Fee - 

We do not charge for an initial consultation.  Initial administrative implentation fees will be explained and discussed, once you become a client of Redfin Wealth.

Annual Management Fee - An ongoing fee for monitoring your investment strategy and for ongoing advice will be based on the value of investments under management and applies annually but paid monthly.