Private Advisor Financial Services

About Wynand

Wynand started privateAdvisor financial services in 2013 as an independant financial planning practice so that he could serve his clients with no external sales pressure from the big product providers.

With more than 14 years experience in planning for and advising a broad range of clients Wynand feels confident that no single solution can be appropriate for everyone. He feels that even though the choice of an appropriate product solution is important the advice process should take centre stage

In an advice driven practice a comprehensive financial plan should take a range of factors into consideration, not only facts and figures or the lowest premiums, but also personal preferences and unique client circumstances.

Wynand is a CERTIFIED FINANCIAL PLANNER® professional and a member of the Financial Planning Institute of South Africa. He subscribes to the FPI code of ethics and believes that continuous professional development is crucial to maintaining a practice of best advice.

With a passion for getting to know his clients, an analytical mindset and a natural sense of humor Wynand is able to break down the sometimes complex and daunting financial challenges that clients face. He believes that when a person understands their choices and their potential consequences they can make informed decisions.

Wynand enjoys spending time with his wife and two daughters and keeps fit by mountain biking.

About Nick

Nick joined privateAdvisor financial services after building up a wealth of financial planning and consulting knowledge over more than a decade.

Nick is a CERTIFIED FINANCIAL PLANNER® professional and a member of the Financial Planning Institute of South Africa. He subscribes to the FPI code of ethics and believes that continuous professional development is crucial to maintaining a practice of best advice.

Nick has successfully completed the advanced post graduate qualifications in estate planning and employee benefits.

With a solid background in finance and engineering Nick loves getting his hands on some of the more confounding technical challenges that clients face. His resourcefulness and dedication means that he does not rest until until all the numbers add up.

Nick is able to provide his clients with professional planning and consulting services ranging from healthcare to risk, estate, investment, retirement and employee benefits.

When taking time out Nick enjoys an active outdoor lifestyle with his wife and three children.

We build, implement and monitor tailored financial plans for individuals and businesses who are concerned about their financial future. Our plans are presented in an easy to understand way so that you can always make an informed decision.

We are an independent financial advisory practice have sourced risk and investment solutions from a range of suppliers so that we can offer our clients appropriate solutions.

We offer a comprehensive suite of planning and implementation solutions with the onus on putting ourselves in your shoes and trying to look at your specific situation from your perspective, while still keeping an unbiased professional distance.

How your age affects your savings

Most people have a firm understanding that if you save while you’re young, this will set you on your way to achieving your long-term goals. However, life is what happens when you’re making other plans and, even with the best intentions and a basic financial awareness, planning for your future can easily fall to the […]

Reading ratios

Financial risk ratios, also known as solvency ratios, are used to determine the long-term financial health of a business by analysing whether a company carries too much debt. And these ratios can come in very handy when looking to invest or review financial situations. The solvency ratio is a key metric that can be used […]

Budgeting tips and tricks for the upcoming tax year

South Africans can expect more changes on the horizon in this upcoming tax year, as the Ministry of Finance attempts to mitigate the financial failings of 2017. After being downgraded to junk status last year, the country is well and truly hanging its head in financial shame, and it is clear that there is a […]

Show the love this Valentine’s Day

In recent years, Valentine’s Day has gained the reputation of being a Hallmark holiday that promotes Lindt rather than love. So, before you rush off to the shops to buy a big bunch of flowers or box of chocolates, you may wish to take a moment to reflect on the meaning behind the day and […]

How to avoid the retirement crisis

South Africa is currently in the midst of what is widely referred to as a ‘retirement crisis’, which could intensify if the issue isn’t addressed properly soon. After a period of excellent investment returns that have, up until recently, somewhat masked the fact that retirees in living annuities haven’t saved enough, local retirement fund members […]

Hooray for RAs

Retirement Annuities (RAs) have been around for a long time, and are basically private pension plans that help you to save for retirement. As we near the end of yet another tax year, we move into a period that is often referred to as RA season, which is a good time to weigh up the […]

Prepare for additional tax increases next year

Towards the end of 2017, President Zuma instructed South Africa’s minister of finance, Malusi Gigaba, to resolve economic challenges after Standard & Poor’s lowered both the country’s long-term foreign and local currency debt ratings by one notch on Friday, 24th November. A statement was released about the measures that would need to be taken to […]

Is a tax-free savings account the best option for you?

Many South Africans have started taking advantage of Tax Free Savings Accounts (TFSAs), which were established by the government as an easy and safe way for citizens to increase their savings. When investing in a TFSA, you won’t be taxed on any growth on your investment — you won’t pay tax on dividends, interest or […]

Attainable financial resolutions for 2018

Can you remember what resolutions you made last January? Or for how long you kept them? The trouble with resolutions is that they’re often made half-heartedly, in an annual acknowledgment of our inadequacies and a cursory attempt at self-improvement. Once the hazy days of the holiday season are over and we are faced with the […]

Tread Lightly this Christmas

It’s easy for Christmas to turn into a frenzied flurry of wasteful consumerism, and to find ourselves knee-deep in ripped-up wrapping paper that we discard in a hurry before Christmas lunch. But before you fill black bin bags with gift tags and empty jars of cranberry sauce, pause for a second to think about how […]

Medical Cover & Gap Cover

We are able to advise on a wide and diverse range of Medical Cover and Gap Cover products that will suit almost any budget. These products range from cover for basic hospital stays through to full, comprehensive medical aids that cover consultations with doctors, medication, glasses and other medical expenses.

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Retirement Planning and Provision

The sooner you begin to plan and save for your retirement, the sooner you can retire! The product most bought for this type of financial planning and provision is known as a Retirement Annuity (RA). Most companies have RA’s worked into their remuneration packages, but many don’t.

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Investments & Tax Free Accounts

When it comes to investing, it’s important to have a diverse portfolio. My expert knowledge and extensive investment options allow you to truly choose the very best products available to you. From low-risk, long-term investing to high-risk, short-term strategies we can mix it up or keep it conservative: investments completely tailored to who you are and where you want to go.

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Disability & Income Protection

Most households in today’s economy rely on more than one income to keep the household expenses under check, very few are able to survive on one income alone. If you were injured or disabled in some way and could no longer work, would your family be able to cope without your income?

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Life Cover

You pay tax every month to the state, but what are you paying to provide for those that you love and care about after you have gone? Life cover should not be seen as a grudge purchase but rather as an investment into the future of your spouse and children. You work hard to provide for them now, that shouldn’t have to change in the future.

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Estate Planning

Estate planning is not only for the mega-rich. If you have assets, investment policies, risk cover and more than one potential beneficiary, then I can assist you with the planning of your estate and how it will be allocated when you pass away. An estate that is left open can cause a difficult time to be even harder for those who are left behind. Often there is more work needed on a R3m estate than on one that is worth R20m!

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Critical Illness

These products are also known as Dread Disease Cover. Advances in medical care mean that more people can now survive illnesses once thought to be fatal. However, although many individuals lead relatively normal lives, they no longer enjoy the same mobility or good health. The best medical treatment can cost you and your diminished ability to work could force you to make severe lifestyle changes.

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Retrenchment Benefit

Have you thought about what you and your family will do if you are retrenched? If it hasn’t happened to you, you probably know someone who’s been retrenched. In these tough economic times, it’s one of the most understandable fears. You want to be protected if you’re faced with retrenchment or liquidation.

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Corporate Benefits

Group Life, Pensions and Provident Funds remain an essential part of a well run business. I will tailor your company’s pension and provident funds for you, using the most appropriate corporate providers to tender for the risk benefits and the retirement benefits separately – ensuring cost effective and customer specific corporate benefits.

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Business Assurance

Will your business survive if you are disabled, die or become impaired or what would the consequences be if this happened to one of your partners? Together we can design flexible and comprehensive solutions to meet your business assurance needs, utilising Key-Man policies and Buy-and-Sell agreements where appropriate.

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ARE YOU SAVING ENOUGH?

How healthy is your financial plan when it comes to saving and provisioning funds for the future? Digital technology and our diverse economic systems and policies have increased our options both for investment and for risk protection. This is an arena that is constantly changing, growing rapidly and needs to be monitored regularly – which is one reason for having your own financial planner!

WHO DO YOU CHOOSE?

If you have never worked with a financial advisor before, you may find yourself overwhelmed by the choice, confused by the jargon and frustrated at the cost! But in the same way you wouldn't service your own car, it's good to have someone you trust to advise and guide you to make healthy decisions about your wealth.

CREATE WINNING STRATEGIES

Aside from being an expert in the money game and having a keen sense of the conditions and lay of the financial landscape, winning strategies are born inside of a relationship of trust, mutual understanding and a commitment to strive for the same goals. Your financial advisor should bring you peace-of-mind and help you maintain control of your finances.

All our client – advisor relationships start with a complimentary consultation where we discuss how you would like us to help you. We look at all your financial goals and aspirations, obtain important information and other pertinent facts and then discuss the way forward.

Financial planning is an incredibly important part of your life and you should be comfortable with the service provider you employ. You will find our qualified Financial Advisors professional, competent and willing to go the extra distance for you. Contact us today for a complimentary appointment.

We are a fee-based private financial planning business.
We operate independently from any one provider (insurer or investment platform. This means that we are able to source the most appropriate solutions for our clients).
Most of our clients are professionals or business owners and we provide comprehensive financial planning, advisory and intermediary services.
We offer our businesses-owner clients assistance in setting up business continuity plans. We review their business structure and provide best-practice principles to optimise their growth and sustainability.
We focus on building long-term relationships - whether you are starting out in your career, established or preparing to retire; we will provide you with the best professional advice.
We are a licensed financial services provider and are authorised by the Financial Services Board to provide advice and intermediary services.
We hold contracts with various insurers and investment platforms, ensuring your access to independent advice.

Don't let financial decisions limit their dreams.

Let's chat aboutwhat matters most.

It's about creating moments not money.

Spend your timedoing what inspires you.

"Your time is limited, so don’t waste it living someone else’s life."

OUR TEAM

Wynand du Toit

Nick Dekker

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“Every risk is worth taking as long as it’s for a good cause, and contributes to a good life.”

YOUR FINANCES

Medical Cover & Gap Cover

Retirement Planning and Provision

Investments & Tax Free Accounts

Disability & Income Protection

Life Cover

Estate Planning

Critical Illness

Retrenchment Benefit

Corporate Benefits

Business Assurance

"Most people don't plan to fail, they fail to plan."

ARE YOU SAVING ENOUGH?

WHO DO YOU CHOOSE?

CREATE WINNING STRATEGIES

TESTIMONIALS

D. Anthony

I. Louw

G. Mathewson

"Innovation distinguishes between a leader and a follower."

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DISCLAIMER

Don't let financial decisions
limit their dreams.

Let's chat about
what matters most.

It's about creating moments
not money.

Spend your time
doing what inspires you.