Comprehensive financial advice, built around your life
From protecting what you have, to growing your wealth and planning for the future – RFAdvice provides integrated financial advice across every area of personal and business finance.
Our offering to individuals & families
Your financial life, organised and purposeful
We provide holistic financial advice to individuals and families at every stage of life – from building a foundation, to growing wealth and protecting what you've worked hard to create.
Protection
Life is unpredictable. We help ensure you and your family are protected against the unexpected.
Investments & wealth growth
Building wealth requires a clear strategy, the right products and ongoing management. We guide you through the full investment landscape.
Retirement planning
A comfortable retirement doesn't happen by accident. We help you build, manage and ultimately draw from your retirement savings with confidence.
Estate & legacy planning
We help ensure your assets go where you intend and that your family is protected when it matters most.
Our offering to business owners & employers
Group risk benefits
Comprehensive cover options for your team.
Group health benefits
We structure health benefits appropriate to your team's needs and budget.
Group retirement solutions
A retirement plan can offer meaningful benefits for you, your business and your employees. It enables you and your employees to invest towards long-term financial security, while also providing significant tax advantages and other incentives.
Commercial & professional insurance
We protect your business from unforeseen tragedies and provide cover that protects against any claims made against you should you be accused of professional negligence.
Retirement planning
-
Preservation funds: pension & provident
-
Retirement annuities (RAs)
-
Living annuities
-
Life annuities
Protection
- Life insurance: providing for your loved ones if the worst happens
- Disability cover: income replacement if you are unable to work
- Critical illness & impairment cover: financial support during serious illness
- Medical aid, dental & gap cover: ensuring your healthcare needs are met
- Short-term insurance: protecting your home, vehicle and assets
- Income protection: helps replace part of your income if illness, injury or disability prevents you from working
- Sickness benefit: income protection when you’re medically unfit to work
Investments & wealth growth
- Local and offshore investment
- Share portfolios
- Savings: emergency, medium-term goal-oriented, retirement and education
- Wealth accumulation strategies
- Forex: For all your international transacting needs
Estate & legacy planning
-
Estate planning
-
Will drafting and amendments
-
Trusts
-
Wealth structuring
Group risk benefits
Risk cover options for employees include:
- Group life cover
-
Income protection (disability cover)
-
Income protection top-up cover
-
Lump sum disability cover
-
Trauma and critical illness cover
-
Funeral cover
-
Education cover for employee dependants
-
Spouse's cover (death & disability
-
Accident cover (death and bodily loss)
-
Employer reimbursement
-
Medical aid premium waiver cover
Group health benefits
Health cover options for employees include:
- Medical aid (cover for all healthcare needs, such as nursing, surgery, dental work, medicine, hospital accommodation and more)
- Medical insurance (covers specific healthcare needs, like day-to-day expenses, GP visits and selected emergency care)
- Gap cover solutions (low-cost, high-value products for times when medical aid doesn’t cover all costs for a hospital procedure or charges a copayment)
- Rewards and lifestyle programmes (such as Discovery Vitality, Sanlam Reality and Momentum Multiply that reward members with discounts and cashback for living active, healthy lives
Group retirement solutions
We’ll match you to the most suitable retirement structure based on the size, salary profile and needs of your employee group.
- Group Retirement Annuity Plans (minimum 5 employees)
- Umbrella Retirement PlanPension and Provident Funds
Did you know? Retirement can last 30 years or more - and you may need up to 80% of your current annual income to retire comfortably. The government old age pension is currently a maximum of R2,200 per month.
Business benefits of a retirement plan include:
- Employer contributions are tax-deductible
- Assets in the plan grow tax-free
- Helps attract and retain skilled better employees while reducing recruitment and training costs
- Flexible plan options available
Commercial and professional insurance
Product types for commercial insurance include:
- Accidental damage
- Accounts receivable
- Business all risks
- Business interruption
- Electronic equipment
- Employers liability
- Fidelity
- Goods in transit
- Group personal accident
- Legal liability arising out of business activities
- Motor vehicles
- Office contents and more
Product types for professional indemnity include:
- Body corporate insurance
- Commercial insurance
- Construction risks insurance
- Contractors’ plant and equipment insurance
- Directors and officers insurance
- Dismantling transit
- Engineering contract works
- Events liability
- Insurance
- Machinery breakdown and business interruption
- Medical malpractice
- Professional indemnity and broadform liability
- Renewable energy