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Independent advice gives you more than you may think.

The vast majority of financial services providers in South Africa who insinuate they are independent — are not. Use of the term "independent" means that an adviser doesn't have their own products to sell and doesn't receive any commissions or volume based payments.

In order to give financial advice in South Africa, you need to have a licence from the Financial Sector Conduct Authority (FSCA). Most advisers lack the skills or knowledge to obtain a licence themselves and so they align themselves with a bank or other financial institution that already has a licence. Unfortunately, in doing so, they have taken the easy option but sacrificed their independence. They give over control to the financial institution to decide which investments they are allowed to recommend.

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In South Africa, there are thousands of financial advisers. Yet some statistics in recent years are that:

  • 85% of advisers work for product providers
  • 73% of the time they recommend their own products
  • 1% of financial advisers elect not to receive commission on financial planning

We have not taken the easy path

Instead, we got licensed and certified because being independent is very important to us.

Financial Sector Conduct Authority
Licence from Financial Sector Conduct Authority

We are an authorised Financial Services Provider - Licence 42208 from the Financial Sector Conduct Authority.

Council for Medidal Schemes
Accredited with Council for Medical Schemes

The Council for Medical Schemes is an autonomous statutory body regulating Medical Schemes in South Africa - Accreditation ORG3655

Certified Financial Planner®

All the financial planners at SA Financial Planners follow the Financial Planning Association Code of Ethics and Code of Professional Practice.

The CERTIFIED FINANCIAL PLANNER® designation is recognised as the highest standard for financial planners globally. It combines strict experience guidelines with a Masters level education program and a Code of Ethics. In South Africa the CERTIFIED FINANCIAL PLANNER® designation is overseen by the Financial Planning Association.

Financial Planning

We are one of only a select group of Financial Planning practices that are truly independent.

SA Financial Planners follow the FPI Code of Ethics and Practice Standards Incorporating The FPI Rules of Professional Conduct Financial Planning Institute of South Africa (FPI).

Click here to review the FPI Code of Ethics and Practice Standards criteria that we meet.

Top 5 Reasons

to choose SA Financial Planners as your financial advisor and personal financial coach

Retirement planning
Well-Rounded Experience

Our collaborative team offers the depth and breadth you need to navigate life's decisions. For many of our clients, we operate as their personal CFO, simplifying their lives by providing clarity and answers to the myriad of financial decisions they face every day.

Comprehensive Analysis

Efficient financial planning requires a close look at more than just account values and years to retirement. Our team assesses your insurance coverage, cash flow, investment strategy, real estate portfolio, and more. We review each area within the context of your current situation and long-term goals.

Objective Advice

As an independent firm, we do not have a vested interest in specific products or services that can bias our judgment or recommendations. And since our compensation is completely independent of investment decisions you may make, we can be completely neutral in our analysis of your situation.

Personalised Service

We are a boutique firm and we thrive on building long-term relationships with our clients. Our process is an opportunity for us to get to know our clients exceptionally well. SA Financial Planners prides itself in working as a team — both internally and with you — offering as much or as little hand holding as you need.

Valuable Tools

Most financial advisors offer clients tools to help manage their future. But few offer both proprietary tools AND personal coaching to help you use them. We help you understand how to use the tools effectively and efficiently to meet your specific needs.

What our clients say about us:

SA Financial Planners took the time to understand our situation & tailor their advice & solutions to our specific needs which, being a business owner, can be quite complex. Their strategies & advice have been clearly articulated & have placed my wife & I at ease.

Michael MkhonzaBusiness Owner

They listened to what I want to achieve for a secure retirement & have guided me towards an investment plan which is balanced for growth & security.

Nigel ParrBusiness Owner

SA Financial Planners advisors have a formidable background in financial planning. They complement each other in providing first class financial advice. Their honesty, integrity & sincere interest in securing a financial future for their clients makes them a standout group.

Derek KrielBusiness Owner

I have been highly impressed with their recent retirement plan & start to enjoy some of the fruits of our working life. Pauline & Keegan were able to provide me with the impetus to take the next step which could have been delayed without quality financial advice.

Kobus WhiteChange Management Professional

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