Precision advice, built for South Africans who refuse boiler‑plate solutions.
1 — Wealth Architecture
We begin by translating life goals into cash‑flow realities. Using Monte Carlo simulations and liability‑matching techniques normally reserved for pension funds, we design an asset‑allocation blueprint that accounts for rand volatility, inflation surprises, and sequence‑of‑return risk.
Once the high‑level policy is approved we curate managers—local unit trusts, global ETFs, or direct shares—screened for tracking‑error, cost drag, and stewardship record. Portfolios are re‑balanced quarterly and reported via an interactive dashboard that shows you, in plain language, “Can I still afford my goal?” every single day.
Suitable for: entrepreneurs with major liquidity events, professionals accumulating toward FIRE, and retirees needing sustainable draw‑downs.
2 — Tax & Estate Engineering
South Africa’s progressive tax code rewards proactive planning. We layer trust structures, offshore wrappers, and Section 12B or 12J allowances where they make economic—not just headline—sense. Capital‑gains harvesting, dividend vs salary optimisation, and cross‑border estate directives are modelled side‑by‑side so you see the after‑tax impact before you act.
Our estate blueprints integrate inter‑vivos trusts, usufruct provisions, and digital‑asset directives to ensure heirs inherit value rather than litigation.
Deliverables: Personal tax‑scenario matrix, will & trust deed drafting, liquidity‑gap analysis, SARS filing support.
3 — Entrepreneur Advisory
Growing a business often demands more capital than intuition alone. We help founders value equity, model dilution across funding rounds, and benchmark term‑sheets against current SA and Pan‑African deal flow. ESOPs are stress‑tested for retention efficacy, and dividend vs growth reinvestment is weighed using hurdle‑rate analytics.
When exit time arrives, we construct phased‑sell strategies that minimise CGT and avoid post‑sale concentration risk—so your big day doesn’t become a bigger tax bill.
Extras: Pitch‑deck review, investor‑readiness coaching, and data‑room curation.
4 — Risk & Protection Analysis
Insurance should be a safety‑net, not a profit‑centre for advisers. As fee‑only planners we scan the entire South African market, stripping out unnecessary bells, whistles, and surrender penalties. We model mortality, disability, dread‑disease, and key‑person exposure against your balance‑sheet, then negotiate wholesale premiums directly with underwriters.
Your coverage is reviewed annually in light of asset growth, debt reductions, and legislative change—ensuring you never over‑ or under‑insure.
Key outputs: Gap report, policy term sheet comparison, and claims‑process playbook.
5 — Impact & ESG Alignment
Money and meaning need not be mutually exclusive. We map your personal values to globally recognised frameworks like UN‑SDG, PRI, and B‑Corp metrics. Portfolios are screened for carbon intensity, gender diversity, water usage, or any custom KPI you choose.
Performance is measured on a dual‑bottom‑line dashboard: traditional risk‑adjusted return plus verified impact score. If compromises appear, we show you the trade‑off in rands‑and‑cents—not marketing hype.
How Our Engagement Works
- Discovery Call (90 min) – Deep‑dive into goals, constraints, and personal definitions of success.
- Data Harvest (Week 1‑3) – Secure collection of statements, tax returns, and corporate docs.
- Blueprint Presentation (Week 4) – A 30‑40 page strategy you can interrogate line by line.
- Implementation Sprints (Quarterly) – Action items tracked on a Kanban dashboard with SLA‑based accountability.
- Annual Strategy Day – Reset assumptions, integrate life changes, and refresh risk models.
Service Bundles
| Package | Best For | Core Inclusions |
|---|---|---|
| Launchpad Plan | Young professionals & early‑stage founders | Goal mapping, starter investment mix, basic risk cover review, annual check‑in |
| Growth Plan | Scaling businesses & dual‑income families | Comprehensive wealth architecture, tax structuring, quarterly progress calls |
| Legacy Plan | High‑net‑worth & pre‑retirees | Multi‑generation estate engineering, philanthropy design, bespoke research access |
All bundles adhere to our 100 % fee‑only ethic—no kickbacks, ever.
FAQ Snapshot
What are your fees?
Transparent hourly rate (R2 350/hr) or flat retainer based on complexity; disclosed in writing before work begins.
Do you hold my money?
Never. Assets remain with licensed custodians under your name; we receive view‑only or trade‑only authority as mandated.
Can you work with my existing broker or accountant?
Absolutely. We often quarterback strategy while your other professionals execute product‑level tasks.
Call to Action
Ready to turn uncertainty into a quantified roadmap? Book your complimentary discovery call at GoPlan.uno and let’s engineer the future you actually want.