FINANCIAL PLANNING - South Africa

Financial planning is imperative in today's economy as it is a process which helps an individual to develop strategies in managing their financial affairs to meet their life goals.

At Genesis Advisory Services (Pty) Ltd we take this undertaking very seriously & continuously strive to provide our clients with superior advice, the best benefit offering from the top Life Assurance Companies, the best premium suited to their needs and ongoing recommendations that ensure their financial goals and objectives are achieved.

Genesis Advisory Services (Pty) Ltd operates as an independent subsidiary of the Genesis Capital Group (Pty) Ltd.

In order to provide our clients with service levels that we are extremely proud of, we encompass a 3-pillared approach to a client's financial goals & objectives. The 3-pillared approach encompasses a positive, negative & fiduciary pillar.

Fiduciary Pillar

Estate planning
This is the process of arranging for the disposal of an estate and assists in reducing taxes and other Expenses

Last will and Testament
This is the basis for estate planning. It is the creation of a legal declaration of persons last wishes for his/her assets after death

Trust
An efficient and flexible way to ensure assets are looked after by someone you trust to benefit your beneficiaries

Tax advice
Tax is an unavoidable part of life, so it makes sense to get the best tax advice.

Negative Pillar

Life cover
Nobody wants to think about death, but the reality is that our loved ones will need support after we have passed on. Whether it’s about leaving your debts behind or ensuring your family can maintain the standard of living to which they were accustomed, it’s clear there are plenty of reasons to look for the best life insurance policy for your personal circumstances

Disability lump sum
This is a benefit that pays out a lump sum in event of disability
Income protection
This is cover designed to pay a monthly income if you are unable to work due to sickness or accident

Dread disease
Serious diseases usually strike without any warning – whether you suffer a heart attack, fall victim to cancer or need an organ transplant. And it is exactly at times such as these that you will need extra cash – and dread disease cover to generate that cash.

Indemnity insurance
Insurance to help with health care expenses, trauma cover, children’s education and much more.

Education
As a parent, you don't need any reminding of the urgency to start planning and saving today for your child's future. The costs of a university degree, a car or deposit on a flat can frighten off anyone but you have to start somewhere.

Business Assurance
This is a broad name for different coverage available to the business owners and key individuals to protect against losses and to insure the continuing operation of the business.

Medical Aid
If something happens to you or your family, medical aid can provide peace of mind, knowing you are getting the best possible care as it provides you with professional treatment for illness or injury.

Short-term insurance
Insurance for the possessions that an individual owns; short term insurance is usually taken out for your home, the contents in your home, and your car.

Positive Pillar

Short, medium and Long term investing
The idea behind investing is so that your money grows and shields you against rising inflation. The rate of return on investments should be greater than the rate of inflation, leaving you with a nice surplus over a period of time. However, most people need assistance with this.

Provision for retirement
Inflation erodes large portions of even the most comfortable retirement plan. Because people live a lot longer these days, retirement money has to be spread over a longer period of time.

Goal orientated savings/investing
When you are saving to buy an asset such as a car or even deposit on a house it is better to have a savings plan, and a specialist who can assist you with putting these plans in place.

Managing your debt
A process of taking all of your high interest loans, and converting them into a single lower interest loan, the main aim is to reduce debt.

Information on Domestic and International funds
Our brokers can assist you with specialised information on local as well as offshore investing.

Pension and provident Fund consulting
Provides corporate retirement and risk cover for employees within a company.

Careers and Development

Training and development
Full training and development department that is focused on continuous development of our staff. Our training ensures the advisors are up to date with products as well as any changes in the industry this is to ensure the best advice can be given to our clients at all times
For any queries: training@gencapital.co.za

Recognition and recruitment
Genesis believes very strongly in recognising their staff so, we ensure that everyone who works hard gets recognised for their efforts. We are continuously recruiting as we believe in opportunities for graduates and new beginnings for experienced advisors.
For any queries: career@gencapital.co.za

An Authorised Financial Services Provider FSP 15