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H&G WealthFINANCIAL PLANNING

HOW WE HELP

Your goals.
Your starting point.

Different goals. Connected decisions.
Explore the conversations we can have.

THE THREE PLANNING AREAS

A connected
financial picture.

This simple view brings protection, retirement and investments together. Explore each category below to start with the questions that matter to you.

Three financial planning areasProtection forms the base, retirement the middle, and investments the top. This is an illustrative overview, not a personalised recommendation.InvestmentsRetirementProtection
01

Insurance & Risk Planning

We provide advice on protection solutions through Liberty, helping clients protect themselves, their families and their financial plans against unexpected life events.

What this can include
  • Life, disability and severe illness cover
  • Income protection and funeral cover
  • Existing cover reviews
  • Group-risk benefits

Liberty protection solutions, subject to individual adviser mandates, suitability and underwriting.

02

Investments & Retirement Planning

We provide advice on investment and retirement solutions through Liberty, STANLIB and other approved platforms within our authorised mandate. Portfolios are aligned with your goals, investment horizon, liquidity needs and risk profile.

What this can include
  • Unit trusts and tax-free investments
  • Retirement annuities and preservation funds
  • Living and guaranteed annuities
  • Pension and provident fund solutions
  • Local, offshore and global portfolios
  • Endowments and structured investments
  • Education, regular and lump-sum savings

Advice is mainly direct; specialist platforms and partners may support implementation. Access to funds depends on the chosen structure.

03

Estate Planning

We help identify estate-planning needs and consider beneficiaries, estate liquidity and the broader financial structure. Legal drafting and specialist implementation may be completed through an appropriate partner.

What this can include
  • Beneficiary, executor and guardian planning
  • Estate-liquidity and trust-planning discussions
  • Estate duty and capital gains tax considerations
  • Will drafting and reviews through partners

Detailed legal or tax opinions and specialist implementation may require an attorney, fiduciary specialist or tax practitioner.

04

Business & Employee Benefits

We advise on Liberty protection solutions for businesses and employees, subject to the relevant adviser mandate and client needs.

What this can include
  • Buy-and-sell cover
  • Key-person cover
  • Employee benefits and group risk

Product terms, eligibility, affordability and underwriting apply.

05

Specialist Partner Referrals

Where appropriate, we introduce clients to suitably authorised specialists for related services. These services are not represented as being directly provided by H&G Wealth.

What this can include
  • Medical aid and gap cover
  • Short-term and pet insurance
  • Tax-return preparation
  • Home loan and banking referrals

Provided through specialist partners or referrals, as appropriate.

All products and services are subject to client eligibility, affordability, product terms, underwriting where applicable, and the individual adviser’s authorised mandate. H&G Wealth provides advice and facilitates solutions; it does not independently underwrite insurance.

Not sure where to start?

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