A retirement plan you can read in one page, not eleven policy documents
We consolidate, benchmark and manage retirement and investment assets against a published funding-ratio target — not against a product's brochure return.
Consolidation first
Most clients arrive with retirement assets spread across four or more providers accumulated over a career. We reconstruct a single asset register before recommending a single change.
Average 11 policies reduced to 2–3
Reg 28 discipline
Every retirement fund allocation is checked against Regulation 28 offshore and equity limits at implementation and again every quarter, not just at the annual review.
0 breaches across 214 active plans
Offshore within the rules
For clients wanting hard-currency exposure, we structure allocations within the current SARB individual investment allowance and disclose the exchange-rate assumptions used in projections.
Up to R11m annual allowance modelled
The typical outcome after 18 months
Clients typically see a 38% average improvement in retirement funding ratio, a 9% average reduction in effective tax rate on contributions, and R0 change to household take-home pay in most restructures.
What's included in a retirement and investment engagement
-
Full consolidation and reconciliation of existing policies, funds and TFSAs
-
Retirement funding ratio calculated against a 70% income-replacement target
-
Reg 28 and offshore allowance compliance check at implementation
-
Written strategy document with named products and disclosed fees
-
Quarterly re-scoring and written review, not an annual phone call
-
Direct liaison with your existing fund administrator or platform
Ready to see your funding ratio?
Bring your last three retirement statements — that's enough for us to give you a real number in the first meeting.
Book a consultation