Oyisha Financial Advisors (FSP 23100)

Independent Insurance brokers

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Personal Financial Planning has at is core the well-being of the client and takes into consideration:

Life is unpredictable. We are subjected to health risks, physical injuries and many other risks on a daily basis. We do not know when we would breathe our last breath. When you are faced with disability, severe illness, or should you die, will your family be able to sustain their standard of living?

It is our responsibility as breadwinners to ensure that our loved ones are taken care of in the event our death, disability or illness.

Bond Insurance provides the homeowner with the ability to maintain their monthly installments in the event of disability and illness and ensures that the family home remains exactly that in the event of death.

Anyone who has ever lost a loved one understands how painful this loss is. You don’t need the added stress and confusion of the financial complications brought on by death. Have you ever thought about how your family might struggle to organise your funeral – the service, the cultural rites, the food for mourners? Would you like to have the final say regarding you or a family member’s funeral? 

At a specific age, we all stop working and go on a well deserved retirement. Don't just rely on your company pension or provident fund. Even if you've had only one employer, the money is unlikely to be enough for a comfortable retirement. And, if you've changed jobs and didn't transfer your pension fund money, you'll have much less. We know that people are living longer nowadays. You could easily be looking at a 25-year retirement. Those 'golden years' can be a time to relax... to do what you want and enjoy peace of mind.

At one or other time we get sick and need to visit our doctor. We might even end up in hospital and require major surgery or expensive medical treatment. Medical insurance is the means by which you would pay for medical costs.

The eventual fate of everything gathered during your life is decided by your will. A will is a written, legal document in which you say how your assets are to be disposed of after your death. It may be the most important document you will ever sign. Every person should have a will. Without a will, your heirs could face tax, legal and administrative problems and lose money. Even if all your blood relatives are dead, a will is needed otherwise your property will eventually be forfeited. A will is a personal document in all senses of the word. Your will must be tailor-made to fit your individual and financial circumstances. We therefore need to sit together and plan it.

By setting your financial goals you are taking steps to help ensure you can afford the things you really need or want. The problem is that investments and savings is a minefield. So many investment vehicles, so many different funds to choose from. Which is the ideal savings and investment vehicle for you?

Short-term insurance can become an expensive part of your monthly budget. Essentially you need to combine financial peace of mind with the correct cover. The most common forms of personal insurance are protection of household goods, personal valuable items and vehicle insurance.

Tax planning is a process of looking at various tax options in order to determine when, whether, and how to conduct business and personal transactions so that taxes are eliminated or reduced.