Skip to content
Andre Schwab · Financial Strategist
Services

Four pillars. One plan.

Not four separate products – one plan where your investments, cover, insurance and will work together.

Investments

Making every rand do the right job.

Saving and investing are both good – they just have different jobs. Short-term money should be safe and easy to reach; money for five years and longer can be invested to aim to grow faster than inflation over time.

  • Emergency funds and short-term savings
  • Long-term investing and tax-efficient savings
  • Retirement planning and preserving your savings when you change jobs
  • Education savings for your children
  • Making a plan for your year-end bonus
Life cover

Protecting the people who depend on you.

Your ability to earn an income is your biggest asset. The right cover protects your family if you pass away – and protects you if illness or injury stops you from working.

  • Life cover based on your needs today
  • Disability cover
  • Severe illness cover
  • Income protection
  • Checking what your employer's group cover really covers
Short-term insurance

Your home, car and valuables – covered properly.

Being under-insured can shrink a claim. I check that your home is insured for today's rebuild cost, that additions and valuables are on the policy, and that the details match your life.

  • Home and contents
  • Vehicles and regular drivers
  • Portable valuables: laptops, phones, jewellery, bikes
  • Excesses you can actually afford
  • Commercial cover for business owners
Wills & estates

Making sure everything goes where you intend.

A valid, up-to-date will is one of the kindest things you can do for your family. Without one, a fixed legal formula decides who inherits, and young children's inheritances usually go to the Guardian's Fund.

  • Drafting or updating your will
  • Naming a guardian for your children
  • Beneficiary nominations on policies and retirement funds
  • Estate liquidity – cash for estate costs
  • Legacy planning and trusts where they make sense
When to review your plan

Has any of this happened since your last review?

Your plan should change when your life does. Any of these is a good reason for a coffee.

Book a reviewThe building blocks of a plan (PDF)
  • Getting married
  • Divorce
  • A new baby
  • Buying a home
  • Renovating or adding solar
  • A new job or promotion
  • Starting a business
  • Kids leaving home
  • A death in the family
  • Retirement coming closer
  • A bonus or inheritance
  • It's been more than a year
WhatsApp Andre