Financial Planning
Individual - Customised financial planning to cover the needs of the individual regarding : Life Cover , Disability Cover , Trauma , Loss Of Income.
Business - Businesses often fail after a partner and/or their employer dies or leaves the business. Effective ways of alleviating these problems are : Keyman Policies , Buy And Sell Agreements , Restraint Of Trade , Contingency Liability Cover .
Retirement Planning
Retirement planning normally coincides with tax planning . Various instruments are available and the choice normally depends on the tax-effectiveness.
Choices available are : Retirement Annuities , Provident Funds , Pension Funds , Preferred Compensation , Deferred Compensation.
Preferred and Deferred compensation can also be utilised to maintain their employees.
Investments
Different investments apply to different individuals, and a thorough analysis including a risk profile should be done before a decision is made.
Possibilities are : Off Shore Investments , Cash , Bonds , Property , Endowments , Unit Trust , Wrap Funds , or a combination of the above.
Estate Planning
Estate planning includes a will or testament and are normally the most neglected areas of any person's total financial planning.
The following should be considered:
Is there enough money available at death for the following : Estate Duty , Wife / Spouse And Children .
If the above is neglected, you may have to sell a family owned property that has been in the family for quite a long period or have to borrow against it, causing a financial strain.
Rule of thumb: R1m=R6000/month escalating at 6% per annum
P.P.S (Professional Provident Society)
This is the ultimate protection for the professional person i.e Doctor , Lawyer , Dentist , Engineer , accountant etc. Or any other person with a four year degree or more.
Cover includes : Sickness , Disability , Hospital Benefit , Group Life Cover , Group Lump Sum , Disability, Medical Aid.
After a seven day waiting period benefits are payable from day one.
Medical Aids
We are contracted to numerous medical aids and schemes aimed at the individual as well as groups.
A few schemes to mention are: Discovery, Medshield, Fedhealth, Momentum, Oxygen, etc.
We also offer gap cover to bridge the gap that your medical aid may leave, between the real expense and the medical pay out.
Aurum Trust
FSP 13250
FSP 13250
Tel: 021 851 7011
Cell: 083 302 1525
Fax: 086 670 8018
Email:
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