Andre@apcf.co.za Sandi@apcfs.co.za
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André +27 81 212 3717 Sandi +27 82 533 8555
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Send us an email
Call us for a free quote
The In-Depth Financial Needs Analysis FNA (Financial Needs Analysis)
Every successful financial journey begins with a deep, honest look at your current position and your future goals. Our FNA (Financial Needs Analysis) is a meticulous, deep-dive consultation that forms the absolute foundation of your plan.
We don’t just give advice; we give the best structured advice possible. We meticulously analyse your risk factors and financial goals, evaluate all available market options and present you with a detailed proposal explaining why we propose a specific insurer or product, justifying the choice based on your specific needs and best interest.
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When life hits, we ensure your finances don't take the full blow. We structure robust protection plans designed to cover every eventuality, providing you and your family with unwavering stability.
Life Cover as a Lump Sum and/or Death Income Benefit: Life Cover is the cornerstone of responsible financial planning. It’s the ultimate financial expression of your love. It guarantees that a single, tax-free lump sum will be paid directly to your loved ones upon your passing.
• Free Stability: Provides immediate, substantial capital to your beneficiaries.
• Debt Clearance: The funds can be used immediately to settle major outstanding debts; your home bond, car finance and personal loans, preventing financial hardship.
• Monthly income to provide for spouse and/or children to supplement the lost income after death.
• Income Replacement Capital: Provides the necessary capital to replace lost income, funding education and maintaining the lifestyle you built.
• Fine Expenses Benefit for funeral costs.
While a Lump Sum Benefit addresses immediate capital needs, the Income Benefit provides a crucial flow of cash. It ensures a regular, guaranteed, escalating monthly income is paid to you for a defined period, perfectly mimicking your lost salary.
• Lump Sum Benefit to pay off all outstanding debt and to aid with disability expenses, etc.
• Capital for Adaptation: Provides funds for specialized care, and essential home/vehicle modifications required to maintain your quality of life.
• Income Protection (Temporary and/or Permanent) : Predictable cash flow.
Ensures day-to-day bills, groceries and schooling fees are paid reliably.
• Inflation-Proofing: We prioritize plans that include an escalating income benefit to ensure the monthly amount retains its purchasing power over time.
• Structured Security: Removes the burden of having to manage and invest a large lump sum immediately.
Dread Disease Benefit: Suffering a Severe Illness could be life-altering. This product pays a Lump Sum and/or Income if you are diagnosed with as Severe Illness.
• Debt Settlement: The lump sum can be used to settle major debts, preventing asset repossession during a crisis.
• Income Benefit to assist with extra expenses in crisis events.
You’ve built stability with your protection plans. Now, it’s time to ensure your money is growing strategically and efficiently.
We provide expert guidance and access to premier platforms.Â
Retirement Annuities (RA): An RA is your dedicated, tax-advantaged savings vessel for life after work.
It offers the triple tax advantage: tax-deductible contributions, tax-free growth and preservation from age 55, ensuring your savings are dedicated to your retirement goal.
Annuities: Converting Capital into Sustainable Income. When you retire, your capital must transform into a reliable pay check. We guide you through the choice between the 3 (three) main options:
• Living Annuity: You retain ownership of the underlying investment portfolio. You have High Income Flexibility (you select the draw-down rate), but you bear the Investment Risk. This is for the active investor who wants flexibility and potential capital for heirs.
• Life Annuity: You purchase a guaranteed income stream from an insurer. You have Low Income Flexibility (the rate is fixed or guaranteed to escalate), but The insurer bears the Investment Risk. This is for the security seeker whose primary goal is certainty that their income will never run out.
• Capital Preservation: Income for life with Capital Preservation. Capital Preservation Benefit is a death benefit, which pays the selected cover amount to specified beneficiaries on death of the Life Covered.
All Investments (Offshore, Structured, & Unit Trusts): We provide access to investment vehicles designed for growth outside of your retirement strategy:
• Offshore Investments: Gain crucial exposure to global markets for enhanced growth and currency diversification.
• Structured Investments: Advanced solutions that combine potential market returns with capital protection.
• Unit Trusts (Collective Investments): Highly flexible and liquid funds managed by professionals, ideal for general savings.
Savings Plans (Endowments & Investments):
• Endowments: A powerful tax wrapper for individuals with high marginal tax rates, as the investment is taxed at a fixed rate within the policy.
• Investments: Conservative funds (like Money Market) where the primary goal is protecting your principal investment from volatility, suitable for funds you may need soon.
Estate planning is the ultimate act of responsibility. It ensures your assets pass to your loved ones efficiently, tax-effectively, and according to your precise wishes.
• Wills (Testaments): Guaranteeing Your Intent
Your Will is your final, definitive voice. We draft legally sound documents to ensure your assets are distributed exactly as you intend and that guardianship for your children is secured by your choice. Without a valid Will, the State decides your affairs, leading to lengthy, expensive delays.
• Strategic Estate Planning:
This is where we bring together all the pieces of your financial life to ensure seamless transition:
• In-Depth Liquidity Analysis: We perform a crucial check to ensure your estate has enough ready cash (often via Life Cover) to cover all taxes, fees, and liabilities. This prevents the forced, fire-sale of your core assets, such as the family home, to satisfy administrative costs.
• Trust Establishment: We advise on and establish Trusts for asset protection, continuity, or the secure management of inheritances for minors.
We offer these essential services to ensure you have a single point of contact for all your protection needs.
What exactly is it? This protects your physical assets (your home, car, and belongings) against sudden, unexpected loss or damage (theft, fire, weather).
We facilitate access to comprehensive cover from our panel of top insurers: Cross Country, Discovery Insure, Hollard, Momentum Short Term, Telesure (Auto and General, 1st For Women). Comparing options to find competitive rates and robust claims service for your peace of mind.
What exactly is NetCare Plus? This is a focused, high-impact Medical Insurance product. It is a vital financial safety net designed to cover all associated medical costs incurred following an accident or emergency hospitalization. It acts as a crucial backstop for sudden, traumatic events.
Crucial Limitation: NetCare Plus is not a medical aid replacement. It is specialized emergency cover and does not cover routine doctor visits, planned procedures, chronic conditions, or non-emergency health issues.
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From retirement and investments to insurance, medical cover, and estate planning—we protect, grow, and preserve your wealth at every stage of life.
Since 1914, the New York Mutual Insurance Company has been serving policyholders – protecting businesses
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Have any Questions? Ask us anything, we’d love to answer!
We’re here to listen:
Monday: 8 am – 4 pm
Tuesday: 8 am – 4 pm
Wednesday: 8 am – 4 pm
Thursday: 8 am – 4 pm
Friday: 8 am – 12 pm
Saturday: Closed
Sunday: Closed
Receive resources & tools that can help you prepare for the future. You can cancel anytime.
Have any Questions? Ask us anything, we’d love to answer!
We’re here to listen:
Monday: 8 am – 4 pm
Tuesday: 8 am – 4 pm
Wednesday: 8 am – 4 pm
Thursday: 8 am – 4 pm
Friday: 8 am – 12 pm
Saturday: Closed
Sunday: Closed
Receive resources & tools that can help you prepare for the future. You can cancel anytime.
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