CLIENT VALUE PROPOSITION
We deliver a consistent, professional service that is valued by our clients and tailor-made to suit your personal requirements. Consistent, professional service We want to create a personal and warm experience with every interaction, so that you can enjoy the trust and peace of mind knowing that all your financial affairs are well planned, in order and properly managed. T
ailor-made By taking your specific personal financial needs and goals into consideration, we will present you with a plan that will suit your unique requirements. We are committed to develop and maintain long-term client relationships. Our objective is to ensure our clients’ financial wellbeing and peace of mind and we follow a rigorous, fully compliant and transparent process in the best interests of our clients. THE PLANNING PROCESS
The process that we apply when dealing with clients can be broken down into six basic steps:
1. Initial Contact
• Our office will arrange a time for an interview with you.
2. Fact Finding
• During the interview we will collect all relevant data to prepare your plan. This will include your personal and professional goals and objectives.
3. Data Analysis
• Based on the data collected, we will identify all the issues relevant to your financial needs.
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4. Recommendation
• We will present our findings including an analysis of your current financial position, and an analysis of your needs and goals. We will provide product recommendations to help to provide for your stated needs and goals and cover compliance related matters.
5. Implementation
• We will provide you with a personalised, written presentation which will explain the different aspects of our recommendations. We will ensure that you are comfortable with the recommendations and get your consent to proceed with implementation.
6. Review
• We will be in regular contact with you following the implementation of your plan to ensure it is staying on track and that any changed circumstances in your life have been catered for. PRODUCTS AND SERVICES
ASSURANCE
Life Assurance
Dread Disease/Disability Assurance
Income Replacement Assurance
Key Man Assurance
Buy and Sell Assurance
Bond Assurance
SHORT TERM INSURANCE (Association)
Household
Business Interruption
Vehicle
Property
• Personal
• Business
RETIREMENT PLANNING
Retirement Annuities
Provident Funds
Pension Funds
Living Annuities
INVESTMENT PLANNING/
WEALTH CREATION
Collective Investments
Shares
Offshore Investments
MEDICAL AIDS (Association)
ESTATE PLANNING
Family Trusts
Investment Trusts
EMPLOYEE BENEFITS
COBALT FOR PROFESSIONALS
One of the focus areas of the business is to meet the expectations of each client. To this end, the requirements and needs of each client will be discussed between the planner and the client and a service level agreement finalised.
