Our Services
Four Pillars of Enduring Wealth
Every dimension of your financial life, managed with precision under one roof.
Pillar 01
Capital that works as hard as you do.
We construct disciplined, diversified portfolios aligned to your specific objectives, risk tolerance, and time horizon — not generic model portfolios.
Our Investment Approach
We begin with a thorough understanding of your financial goals, liquidity needs, and risk profile. From there, we build a bespoke asset allocation strategy spanning local and offshore markets, drawing on a rigorous selection process across asset classes.
What's included
Portfolio Construction
Bespoke multi-asset portfolios spanning equities, fixed income, property, and alternatives — locally and offshore.
Offshore Investing
Structured access to global markets through tax-efficient offshore allowances and international investment vehicles.
Retirement Annuities
Tax-advantaged retirement savings vehicles aligned to your retirement income objectives and SARS regulations.
Endowment Policies
Tax-efficient investment wrappers for medium-to-long-term wealth accumulation, particularly for high-income earners.
Unit Trusts & ETFs
Cost-effective, liquid investment solutions for accessible, diversified market exposure.
Ongoing Portfolio Reviews
Regular performance reviews and rebalancing to ensure your portfolio remains aligned to your evolving objectives.
Pillar 02
Protect everything you have built.
A single unforeseen event can unravel decades of wealth creation. We design comprehensive risk cover that closes every gap in your financial safety net.
Our Risk Planning Approach
We conduct a thorough needs analysis to quantify your exposure across life, disability, dread disease, and income protection. We then structure a solution that provides the right cover at the right cost — without over-insuring or leaving critical gaps.
What's included
Life Cover
Ensuring your family and dependants are financially secure in the event of your death.
Disability Cover
Income replacement and lump-sum disability benefits that protect your earning capacity.
Critical Illness Cover
Lump-sum benefits on diagnosis of serious illness, covering treatment costs and lifestyle adjustments.
Income Protection
Monthly benefit payments if you are unable to work due to illness or injury.
Business Assurance
Key-person cover, buy-and-sell agreements, and contingent liability cover for business owners.
Short-Term Insurance
Comprehensive cover for personal and commercial assets — vehicles, property, and valuables.
Pillar 03
Your wealth. Your terms. Your legacy.
Building wealth is only half the equation. We ensure it is preserved, structured, and transferred precisely as you intend — across generations and across tax jurisdictions.
Our Estate Planning Approach
We work alongside your legal and tax advisors to create a holistic estate plan that minimises estate duty, avoids unnecessary delays in the winding-up process, and ensures your beneficiaries receive their inheritance efficiently and intact.
What's included
Will Drafting & Review
Professionally drafted wills that reflect your exact wishes and comply with South African succession law.
Trust Structures
Inter vivos and testamentary trusts to protect assets, minimise estate duty, and provide for minor or vulnerable beneficiaries.
Estate Duty Planning
Strategies to reduce your estate duty liability through legitimate tax planning and structured gifting.
Executor Services
Professional executor appointments to ensure your estate is wound up efficiently and in accordance with your wishes.
Intergenerational Wealth Transfer
Structured strategies for transferring wealth to the next generation in a tax-efficient and controlled manner.
Business Succession Planning
Ensuring the continuity of your business interests and the orderly transfer of ownership on death or retirement.
Pillar 04
Invest in your people. Protect your business.
Your employees are your most valuable asset. We design and manage structured employee benefit programmes that attract top talent, reduce staff turnover, and fulfil your duty of care as an employer.
Our Corporate Planning Approach
We conduct a comprehensive audit of your existing employee benefits, identify gaps and inefficiencies, and design a cost-effective, compliant solution tailored to your workforce profile and business objectives — from SMEs to large corporates.
What's included
Group Life Cover
Employer-sponsored life cover providing financial security for employees' families at competitive group rates.
Group Disability Cover
Income protection and lump-sum disability benefits for your entire workforce, structured as a group scheme.
Pension & Provident Funds
Retirement fund design, trustee advisory, and ongoing fund management for employer-sponsored retirement vehicles.
Medical Aid Schemes
Corporate medical aid solutions — scheme selection, employee communication, and ongoing scheme management.
Key-Person Assurance
Protecting your business against the financial impact of losing a critical employee or director.
Employee Benefits Consulting
Independent consulting on benefit design, cost containment, regulatory compliance, and employee communication.
Ready to build your financial plan?
Schedule a confidential consultation with a Central Advisors specialist.