Holistic financial planning

Sasfin Wealth Advisory has adopted a cash flow matching advice approach to holistic financial planning. This approach is based on the comprehensive analysis of an individual’s cash flow requirements, long-term investment goals and ability to take investment risk. Our well-considered and industry-leading planning approach ensures the effective matching of assets and liabilities over the intended investment horizon, which allows individuals to achieve their long-term investment goals, and to meet their cash flow requirements as and when they fall due. It also protects their assets against the risk of a permanent loss of capital.

One can ill afford not to belong to a medical aid, have the necessary life cover (including income, disability and dreaded disease) and short-term insurance to safeguard yourself and your assets. We have relationships with South Africa’s most highly rated insurance and medical aid service providers, and because of our national presence and large client base, we are able to negotiate the best terms with a broad range of providers on our clients’ behalf.

Estate planning forms an important component of our clients’ financial plan and is key to ensuring wealth preservation. A well-crafted estate plan ensures that one’s estate is organised in a manner that structures our clients’ finances and assets, to ensure that estate duties and other such taxes, as well as estate co sts are minimised. It also seeks to allow for creating sufficient liquidity to meet the estate’s financial obligations upon death. Sasfin Fiduciary Services is able to advise our clients o n drafting a will or establishing a trust, as well as on executorships and estate administration. We offer solutions designed to assist our clients in deter mining and designing their wealth retention and preservation strategy. We ensure that their legacy is maintained through careful planning, and the structured organisation of their local and offshore personal, family and business affairs during your lifetime and spanning across future generations.

Having built up a business through much personal sacrifice, it is important to ensure its continuation. Sasfin Fiduciary Services is able to assist our clients through services such as conducting a business risk analysis, designing a business continuity plan, deter mining the tax effects of their businesses as part of their estate, and the drafting of buy and sell agreements. Whether clients require Key Person or Buy and Sell assurance, we are well equipped to assist in identifying possible business risks, and mitigating these potential pitfalls by implementing the necessary assurance strategies to safeguard our clients and their business.

Click here to download Personal Tax Schedule 2022.03.14