Services and advice that promotes financial freedom
Support And Services from Good Stewards
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By engaging with a financial planner who uses a financial planning process, clients are in a better position to ensure that their assets and investments adequately support their financial and life goals.
To do so, clients rely heavily on the knowledge, skills, and expertise of financial planners to guide them.
Financial planning is the process of developing strategies to assist clients in managing their financial affairs to meet life and financial goals.
The process of financial planning involves reviewing all the relevant aspects of the client’s current situation and comparing them with the client’s desired situation and designing a plan to assist the client on this journey of financial independence.
Retirement Planning
Astronaut, Attorney, Doctor, Pilot, Scientist or Superhero, whatever it was, we all had aspirations of growing up and changing the world, and in some way, big or small, we have made an impact.
Now retirement approaches and the planning and financial decisions that come with it can be quite daunting.
We need to remember that some of the greatest opportunities of this life are to make an impact and leave a legacy.
Retirement is just another chapter of that journey.
With the principle of Stewardship at the heart of what we do, VILLIC WEALTH exists to empower your retirement.
Next Steps?
We follow six steps in planning your retirement and managing your wealth in retirement.
It all starts with an introduction.
Wealth Management
Wealth management integrates both financial planning and investment strategies to preserve and enhance your financial assets.
In addition to overseeing investments, it involves planning for retirement, managing inheritance taxes, estate planning, and other related aspects.
Next Steps?
We follow six steps in planning your retirement and managing your wealth in retirement.
It all starts with an introduction.
Financial Planning
Financial planning is the cornerstone of a secure financial future, necessitating careful consideration and deliberate strategy.
By comprehensively assessing your financial goals, risk tolerance, and time horizon, you can develop a personalized financial plan tailored to your unique needs.
This plan may include budgeting, saving, investing, and debt management strategies to optimize your financial well-being.
Regularly reviewing and adjusting your plan in response to life changes and market conditions is essential for its effectiveness.
With diligent financial planning, you can pave the way towards achieving your long-term financial objectives and securing your financial future.
Objectives of Financial Planning
- Psychological & emotional comfort
- Managing & protecting against financial risk
- Achieving financial independence
- Providing financial security for the family
Estate Planning
The arrangement, management, and securement and disposition of a person’s estate so that he, his family and other beneficiaries may enjoy and continue to enjoy the maximum from his estate and his assets during his lifetime and after his death, no matter when death may occur.
Objectives of Estate Planning
- Commercial soundness
- Liquidity
- Good governance
- Flexibility
- Minimisation of all costs including taxes
- Succession and generational wealth transfer
Business Assurance
Taking care of you while you manage your business.
Business Assurance coverage is crucial, encompassing various risk benefits aimed at safeguarding your business in the event of a significant disruption.
This might involve a key employee facing critical illness, disability, or death.
In such scenarios, the affected member’s inability to fulfill their usual responsibilities could lead to business losses – and that’s where Business Assurance coverage proves invaluable.
Business Assurance offerings may consist of Key Person cover, Buy and Sell agreements, and Contingent Liability coverage.
Key Person Cover
This cover insures key employees (including business owners) whose services and knowledge are integral to the business.
If such an essential employee is no longer able to work due to disability, critical illness, or death, the company will need funds to tide it over while a replacement is found or trained.
Buy And Sell Agreements
What happens if the owner of a business pass away?
Well this cover allows the remaining owners to buy the deceased’s business interest.
This prevents unknown or unwanted third parties (such as certain family for example) from entering the business to the potential detriment of the surviving owners.
Contingent Liability Cover
As much as businesses try to plan ahead, accidents happen and things go wrong.
Contingent liability cover pays a lump sum if you are occupationally disabled, permanently impaired, or unable to perform your occupational duties as defined in your policy document, to ensure that your business remains operational.
Insurance Planning & Policies
Insurance should be the worst investment a person makes, as it is there to pay out when bad things happen.
Although no one wants bad things to happen, Insurance is there to make sure you’re looked after when it does.
You matter!
Next Steps?
Umbrella Pension Funds & Employee Benefits
Assisting employers with corporate retirement and insurance solutions for staff.
These include corporate umbrella pension and provident funds and group insurance.
Umbrella pension funds and employee benefits play a crucial role in securing financial stability for both employees and employers.
These comprehensive programs offer a range of benefits including retirement savings, disability insurance, and more, ensuring employees are well-supported throughout their careers and into retirement.
By consolidating various benefits under one umbrella, organizations can streamline administration and potentially reduce costs.
Additionally, umbrella pension funds often offer diversified investment options, helping employees grow their retirement savings more effectively.
With these programs, businesses can attract and retain top talent while providing valuable financial security to their workforce.
Objectives of Umbrella Pension Funds & Employee Benefits
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Attracting Talent:
Offering comprehensive employee benefits can make a company more attractive to top talent. -
Employee Retention:
Benefits such as medical aid, retirement funds, and other welfare schemes can help retain valuable employees -
Employee Morale:
Benefits can boost employee morale and satisfaction, leading to increased productivity -
Competitive Advantage:
Companies that offer more than the baseline statutory benefits can gain a competitive advantage in the market
Investment planning
(local & offshore)
Investment planning is a vital aspect of securing your financial future, requiring thoughtful consideration and strategic decision-making.
By understanding your unique financial goals, risk tolerance, and time horizon, you can craft a personalized investment strategy.
Diversifying your portfolio across various asset classes such as stocks, bonds, real estate, and unit trusts can help mitigate risk and optimize returns.
With diligent investment planning, you can build wealth over time while minimising potential setbacks.
Investment Capability
We have a very strong local and offshore investment capability as well as a strategic relationship with an established Discretionary Investment Consultancy providing excellent local and global fund research and specialist portfolio consulting.