Financial Advisor

08/05/2026

Insurance is more than a policy — it's peace of mind. Independent insurance brokerage specialising in employee benefits, short-term, and long-term insurance solutions. Whether you're a business looking to attract and retain top talent through a competitive benefits structure, or an individual protecting what you've worked hard to build, our experienced brokers provide honest, personalised advice with no conflicts of interest. We don't just find you cover — we find you the right cover."

26/08/2024

25/12/2022

Blessed Christmas to you and your loved ones 💕

10/08/2022

Lets talk..

13/07/2022

Have you reviewed your insurance lately?
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11/06/2021

Do you need comprehensive medical aid?

04/08/2020

Payment holidays – what does this mean for consumers and their credit report?

To help ease the financial pressures experienced during this time, most banks have introduced payment holidays for consumers and SME’s experiencing challenges that meet the specific banks’ applicable criteria.
Annelene Dippenaar, Chief Legal and Compliance Officer Experian Africa explains, “This allows for two types of payment holidays – one is to delay the payment date of the next instalment, the other is to extend the terms of the agreement and pay back the loan over a longer period.”
How does this impact your credit profile?
If you meet your revised obligations under the payment holiday, it should not result in a build-up of missed payments on your credit report. Your credit score will not be affected negatively because your months in arrears will remain static until the time that the delayed amount becomes due and payable.
Remember, while the payment status of your accounts is important, other factors are taken into account to calculate credit scores. These include total unsecured debt (e.g. credit cards and personal loan) and what your total use of your credit is (i.e. how much of your credit you are using).
Could the payment holiday impact my ability to get credit in the future?
Unfortunately, there is no guarantee that it will not impact your ability to get credit in future. Lending policies differ between the various financial service providers, so this will depend on the lender with whom you apply for credit in the future. The intention of the payment holiday is, however, to allow the consumer’s profile to remain static during the period of the payment holiday and that the payment holiday data submitted to and held by the credit bureau will not be a “negative event” on your credit profile (it is displayed as a normal status code on your profile and not as a negative status code).
“It is also important to recognise that just because your lender has announced a payment holiday, it does not automatically mean a payment holiday has been granted to you – you need to formally apply with your lender. You should try to continue to make regular payments as best as you can until you have discussed your situation with your lender(s). We strongly discourage pausing payments without first agreeing on this with your lenders and credit providers as it will be seen as a negative event on your credit profile”, says Dippenaar.
Having a financial strategy to deal with challenging times, such as the one caused by COVID-19, is important to ensure your financial status is protected. Here are Experian’s tips that consumers can follow to better protect their financial well-being during this time.

23/07/2020

Wills. One of the most important documents to look through and update on a regular basis is your will. Situations and circumstances are constantly changing, and it is essential that your will is updated to reflect these changes. Some of these important changes include:

Changes to your family or loved ones, such as the birth of grandchildren, a divorce or a marriage, and the coming of age of children. Updating the beneficiaries of your will helps ensure that your possessions will be properly allocated to your loved ones.
Changes in assets, such as properties, businesses, or retirement plans. Assets are continuously changing. Perhaps you no longer live in the same home as you did five years ago, or maybe since you last created or updated your will you have successfully launched a small business. These are important events that need to be added to your will.
Changes in location, such as moving to a new state. If you no longer live in the same state as you did when the will was updated, it may be in your best interest to consult an attorney in the new state about amending your will. States vary in their estate planning requirements and will and estate laws, so it is important to check that your will is in compliance with the laws of your new home state.

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20/07/2020

What is considered as “extras and accessories” on your vehicle?
Anything that is fitted to a “standard” vehicle model, whether permanent or removable, is referred to as extras or accessories. Some of these extras are fitted at the manufacturers’ factories; many are fitted by approved installers after the vehicle leaves the factory.
Examples:
• Tow-Bars & Bull-Bars
• Sunroofs
• Navigation Systems
• Mag Wheels
• Music Systems
• Leather Seats
• Winches & other off-road features
• Window Tints & Treatments (Smash-and-Grab)
• Canopies
The best way to avoid under-valuing a client’s vehicle is to have the client provide you with all the necessary information about the vehicle. They need to advise you of all features, extras and accessories that are not part of the standard or base model; any extras, whether or not they purchased these or they were added by the previous owner or the dealership, prior to the purchase. The client can always go to a reputable dealer in their area for a valuation of the extras should the seller not be able to provide them with it.
It is also important to:
1. Inform the insurance company of any additional accessories or enhancements made to the vehicle after the vehicle was initially insured.
2. Review the value of all extras annually with the policy’s renewal. Vehicles depreciate in value every year and so do the value of any extras. Vehicles depreciate in value every year and so do the value of any extras - by an average of 15% a year.

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16/07/2020

Do you understand Landslip and Subsidence on your homeowners policy?

Brokers should assist clients in understanding how their buildings / homeowners cover is expected to perform for landslip, subsidence, and related perils. It is advisable to regularly review the policy wordings on your insurance contract to ensure you know how to deal with these perils and whether any exclusions apply. There are many potential pitfalls in this area of cover.
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email: [email protected] ✅