Fisqus Wealth

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Wealth allows you to be free to choose your lifestyle. Our advice-led process is centred around you and your unique goals. Understanding your goals requires personal conversations and insights that will determine the most appropriate risk and investment strategies over the short and long term.

Fisqus assists you to prepare for your lifestyle goals. We are a firm of professional financial planners who will create a holistic, integrated advice and financial framework to meet your wants and needs.

An experienced, professional financial advisor will apply using our structured advice process, P.R.O.S.P.E.R, to guide you to the right wealth management solutions. Our financial planning process allows you to have a single view of your financial world and presents you with a financial action plan which serves as your wealth quest roadmap.

We have structured solutions and a professional advice offering for people who run a small or midmarket business as their primary source of income and wealth creation. Fisqus will help you to grow, protect and preserve your wealth, while you focus on growing your business.

We understand that your nature is to be industrious, driven and aspirational. You deserve the best because you worked hard to build your career. We recognise your achievement as a professional and offer a wealth plan that makes your money work for you.

We provide customised, holistic solutions to help you plan for your family and ensure that they are adequately protected should anything happen to you. Our objective is to offer you complete control of your finances, knowing your future is secure.

During retirement, you get to reap the benefits of decades of hard work. We want you to maintain a confident and peaceful mindset and have the lifestyle you have worked so hard to achieve. Our objective is to make you financially secure and independent in the later more vulnerable stage of life.

Your estate refers to everything you own and owe, from property and cars to investments and debts. We guide you to ensure that your estate is set up in a tax-efficient way that benefits you during your lifetime and your beneficiaries after you die.

An experienced, professional financial advisor will apply using our structured advice process, PROSPER, to guide you to the right wealth management solutions. Our financial planning process allows you to have a single view of your financial world and presents you with a financial action plan which serves as your wealth quest roadmap.

We have structured solutions and a professional advice offering for people who run a small or midmarket business as their primary source of income and wealth creation. Fisqus will help you to grow, protect and preserve your wealth, while you focus on growing your business.

We understand that your nature is to be industrious, driven and aspirational. You are certainly focused on building and growing your wealth and you deserve the best because you worked hard to build your career. We recognise your achievement as a professional and offer a wealth plan that makes your money work for you.

We provide customised, holistic solutions to help you plan for your family and ensure that they are adequately protected should anything happen to you. Our objective is to offer you complete control of your finances, knowing your future is secure.

During retirement, you get to reap the benefits of decades of hard work. To do this effectively, you must plan and save for your retirement early in your career. We want you to maintain a confident peace and calm and the lifestyle you have worked so hard to achieve. Our objective is to make you financially secure and independent in the later more vulnerable stage of life.

Your estate refers to everything you own and owe. We guide you to ensure that your estate is set up in a tax-efficient way that benefits you during your lifetime and your beneficiaries after you die.

Professional Financial Planning

The P.R.O.S.P.E.R framework is a comprehensive client experience that is designed to deliver a well-planned life and provide you with a new sense of financial confidence. This life planning process is designed to ensure that we develop an insightful understanding of your needs and tailor the appropriate solutions to satisfy them.

The P.R.O.S.P.E.R framework flows across stages seamlessly. Each stage is connected and may overlap into others. They are not independent, discrete steps.

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P.R.O.S.P.E.R 

Personal Engagement

For new clients we start with an initial discovery process to gain a detailed understand of your unique personal situation and goals. We take the time meet with you to understand and to learn about your concerns around your wealth, your life, your family and your business, asking questions such as:

  • What is your life stage?
  • What are your plans and goals?
  • What are the risks and opportunities most relevant to you?
  • How do you currently manage these elements?
  • What works well and what needs to change?

We will refine this discussion into a broad framework for your financial objectives.

P.R.O.S.P.E.R 

Risk and Reward Analysis

Once initial goals have been set your financial planner will be able to understand your current situation in relation to your goals. A financial planner now has to understand where and how you currently spend your money, and what you can afford to save or invest.

We all have inherent financial behaviours which reflect our relationship with money. We will review your personal relationship with money, identifying your income and expenditure patterns and your short, medium and long-term savings and investment needs.

Your financial advisor will develop an understanding of your behaviours and values, your appetite for risk and your ability to absorb it.

P.R.O.S.P.E.R 

Personal Engagement

For new clients we start with an initial discovery process to gain a detailed understand of your unique personal situation and goals. We take the time meet with you to understand and to learn about your concerns around your wealth, your life, your family and your business, asking questions such as:

  • What is your life stage?
  • What are your plans and goals?
  • What are the risks and opportunities most relevant to you?
  • How do you currently manage these elements?
  • What works well and what needs to change?

We will refine this discussion into a broad framework for your financial objectives.

P.R.O.S.P.E.R 

Risk and Reward Analysis

Once initial goals have been set your financial planner will be able to understand your current situation in relation to your goals. A financial planner now has to understand where and how you currently spend your money, and what you can afford to save or invest.

We all have inherent financial behaviours which reflect our relationship with money. We will review your personal relationship with money, identifying your income and expenditure patterns and your short, medium and long-term savings and investment needs.

Your financial advisor will develop an understanding of your behaviours and values, your appetite for risk and your ability to absorb it.

P.R.O.S.P.E.R 

Outcomes Analysis

Once we learn where you are, where you’d like to be and what’s most important to you, we’ll begin assembling all of that input into a plan that reflects your idea of success.

At this stage we can start to explore possibilities and set goals. We will be in a position to model some potential solutions. We will brainstorm strategies and analyse tactics using leading industry technology. We will determine the optimal way to achieve your goals.  

Your financial planner will guide you through the various financial solutions available and make recommendations accordingly. The outcome of the plan is to ensure that you have a way of moving forward with confidence, providing certainty regarding your financial future.

P.R.O.S.P.E.R 

Outcomes Analysis

Once we learn where you are, where you’d like to be and what’s most important to you, we’ll begin assembling all of that input into a plan that reflects your idea of success.

At this stage we can start to explore possibilities and set goals. We will be in a position to model some potential solutions. We will brainstorm strategies and analyse tactics using leading industry technology. We will determine the optimal way to achieve your goals.  

Your financial planner will guide you through the various financial solutions available and make recommendations accordingly. The outcome of the plan is to ensure that you have a way of moving forward with confidence, providing certainty regarding your financial future.

P.R.O.S.P.E.R 

Solution Development

Your financial planner will provide you with written recommendations or a proposal about how to invest or insure yourself, based upon your needs.

We’ll review your plan with you and finalise any adjustments and set clear priorities and goals. When completed and approved, we get to work on putting the plan into motion.

P.R.O.S.P.E.R 

Plant the seeds

Both you and your financial advisor will agree on how the recommendations will be worked upon. The whole process will be co-ordinated with you and other necessary professionals. We will implement your financial plan based upon the investment, savings or insurance-based solutions agreed upon.

P.R.O.S.P.E.R 

Solution Development

Your financial planner will provide you with written recommendations or a proposal about how to invest or insure yourself, based upon your needs.

We’ll review your plan with you and finalise any adjustments and set clear priorities and goals. When completed and approved, we get to work on putting the plan into motion.

P.R.O.S.P.E.R 

Plant the seeds

Both you and your financial advisor will agree on how the recommendations will be worked upon. The whole process will be co-ordinated with you and other necessary professionals. We will implement your financial plan based upon the investment, savings or insurance-based solutions agreed upon.

P.R.O.S.P.E.R 

Evaluate Solutions

Your plan will be written into a Financial Needs Analysis. This is a roadmap, describing how your needs will be handled in a coordinated fashion and in line with your big picture planning needs.

You and your financial planner should agree on how to monitor your progress towards your goals. This is essential to ensure that your plan remains relevant and meaningful in light of any changes in your personal or financial circumstances.

P.R.O.S.P.E.R 

Review Needs

Your financial needs will change as your life changes. You may get married, have children, lose a spouse, lose your job, or buy or sell a business. You and your financial planner should have an agreement to regularly review your financial plan. We make ourselves available whenever needed to meet with you to discuss what’s on your mind and talk through how we can continue to best help you stay on track. 

P.R.O.S.P.E.R 

Evaluate Solutions

Your plan will be written into a Financial Needs Analysis. This is a roadmap, describing how your needs will be handled in a coordinated fashion and in line with your big picture planning needs.

You and your financial planner should agree on how to monitor your progress towards your goals. This is essential to ensure that your plan remains relevant and meaningful in light of any changes in your personal or financial circumstances.

P.R.O.S.P.E.R 

Review Needs

Your financial needs will change as your life changes. You may get married, have children, lose a spouse, lose your job, or buy or sell a business. You and your financial planner should have an agreement to regularly review your financial plan. We make ourselves available whenever needed to meet with you to discuss what’s on your mind and talk through how we can continue to best help you stay on track.  

Results for Entrepreneurs

We have structured solutions and professional advice offering for people who run a small or midmarket business as their primary source of income and wealth creation.

Fisqus will help you to grow, protect and preserve your wealth, while you focus on growing your business.

Through our professional financial planning process, we consider your lifestyle and business and help you create a financial plan that maximizes your net worth and help you create a legacy. We offer you a personal relationship with an experienced and professional adviser who understands your needs and who will develop holistic solutions built around you as an entrepreneur.

You may benefit from the following solutions:

  • Income Protection
  • Buy and sell solutions
  • Business debt insurance
  • Key person insurance
  • Estate Planning
  • Succession Planning

  • Short-Term Commercial Insurance
  • Trade Credit Insurance
  • Employee Benefits
  • Enterprise Finance
  • Legal Advice

Solutions for Professionals

We understand that your nature is to be industrious, driven and aspirational. You are certainly focused on building and growing your wealth and you deserve the best because you worked hard to build your career. We recognise your achievement as a professional and offer a wealth creation plan that makes your money work for you.

We offer you a personal relationship with an experienced and professional adviser who understands your needs and who will develop holistic solutions built around your needs as a professional. Through our professional financial planning process, we help you create a financial plan that optimises your wealth.

In addition to access to an experienced and professional financial advisor, you will have free access to:

  • Multiple servicing channels
  • Online access to products
  • Track your financial position to reach your goals
  • Financial guidance and education programs
  • Budgeting tools and calculators, and
  • Credit reports

The key features of our offering are:

  • Life, Disability, and Severe Illness Cover
  • Income Protection
  • Gap Cover
  • Tax-Free Investments
  • Unit Trust
  • Investments
  • Retirement Annuities
  • Online Share Trading
  • Travel Insurance
  • Retirement planning
  • Estate planning
  • Legal Advice

Family security

We provide customised, holistic solutions to help you plan for your family and ensure that they are adequately protected should anything happen to you. Our objective is to offer you complete control of your finances, knowing your future is secure.

You will have face-to-face engagement with a financial adviser who creates a financial plan and offers a range of solutions. We will focus on providing you a plan that will give you confidence in your financial security for the whole family. We want you to be free to choose the lifestyle you want.

In addition to access to an experienced and professional financial advisor, you will have free access to:

  • Multiple servicing channels
  • Online access to products
  • Track your financial position to reach your goals
  • Financial education for you and your family
  • Budgeting tools and calculators, and
  • Credit reports

The key features of our offering are:

  • Access to an experienced professional financial adviser who will prepare a tailored, holistic financial plan
  • Risk management solutions that protect you and your family
  • Investment management solutions for specific goals or events such as planning for your children’s’ education or a family holiday
  • Estate Planning
  • Retirement Investment solutions
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Retirement

During retirement, you get to reap the benefits of decades of hard work. To do this effectively, you must plan and save for your retirement early in your career. We want you to maintain a confident peace and calm and the lifestyle you have worked so hard to achieve. Our objective is to make you financially secure and independent in the later more vulnerable stage of life.

A dedicated experienced and professional Financial Adviser who specializes in retirement planning will partner with you to prepare for retirement. We will create a plan that is responsive to changing circumstances and to gaps in past planning.

In additional to an experienced and professional financial advisor, you will have free access to simple and easy to use:

  • Financial tools
  • financial education

You may benefit from a combination of the following:

  • Access to a retirement specialist adviser who creates a financial plan and offers holistic retirement solutions
  • Retirement Investments solutions
  • Retirement Income solutions
  • Estate Planning
  • Medical Gap solutions
  • Legal Advice

Estate Planning

Your estate refers to everything you own and owe, from property and cars to investments and debts.

  • Proper estate planning will ensure that your estate is set up in a tax-efficient way that benefits you during your lifetime and your beneficiaries after you die.
A well-structured estates ensures:
  • There is enough cash to pay outstanding debts.
  • There is an income and capital for your dependants or/and spouse
  • The estate is distributed according to your wishes
  • Your business interests are protected
  • Taxes are minimised

Crucial elements to consider in Estate Planning

Your Will

Your will is an essential part of estate planning as it stipulates how you want your assets dealt with upon your death. If you do not have a valid Will, you die intestate and the laws of intestate succession apply. Get advice from a professional financial planner when you draw up a Will.

Executors of your estate

You must appoint an executor in your will. The executor is responsible for ensuring that the terms of your Will are carried out and that your estate is administered in terms of the law. If you do not have a Will, an executor will be appointed by the state.

Your Will

Your will is an essential part of estate planning as it stipulates how you want your assets dealt with upon your death. If you do not have a valid Will, you die intestate and the laws of intestate succession apply. Get advice from a professional financial planner when you draw up a Will.

Executors of your estate

You must appoint an executor in your will. The executor is responsible for ensuring that the terms of your Will are carried out and that your estate is administered in terms of the law. If you do not have a Will, an executor will be appointed by the state.

Testamentary Trusts

A Trust can be established in your will in order to hold and administer assets on behalf of a beneficiary. Whether it makes sense to set up a Trust fund depends on the beneficiary’s circumstances and the value of the assets.

Beneficiary Funds

If you are a member of a Pension or Provident Fund, the Trustees of the Paying Fund will meet to determine the legal and factual beneficiaries of the death benefit payout. Should any of these beneficiaries be under the age of 18 years of age or physically/mentally challenged, their portion would be paid into a registered Beneficiary Fund.

Testamentary Trusts

A Trust can be established in your will in order to hold and administer assets on behalf of a beneficiary. Whether it makes sense to set up a Trust fund depends on the beneficiary’s circumstances and the value of the assets.

Beneficiary Funds

If you are a member of a Pension or Provident Fund, the Trustees of the Paying Fund will meet to determine the legal and factual beneficiaries of the death benefit payout. Should any of these beneficiaries be under the age of 18 years of age or physically/mentally challenged, their portion would be paid into a registered Beneficiary Fund.

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Get in touch.