Tailored Solutions for your needs

Discover how we can help you to achieve your financial goals, whether you’re investing locally or internationally. Schedule a free consultation with us to explore personalised strategies that can pave the way to your financial independence. For more details on how we can support your journey, read about our tailored services.
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Professional Fee-Based Independent Financial Planning

Managing your finances can be daunting and complex, requiring thorough planning, budgeting, and discipline. At Integritas Wealth Management, we are committed to guiding you through every step of this process. Although we are a fee-based financial planning practice, we offer the first two consultations at no charge. The initial consultation will allow us to get acquainted with you and understand your needs. We will listen to your goals and determine how best to assist you. Like other professionals, such as doctors, who charge for their services, we will explain our fee structure and how our services can support your financial goals during this meeting.
The second consultation is a fact-finding exercise. During this meeting, we will establish and prioritise your needs, analyse your current investments and savings, assist you with your monthly budget and cash flow and establish your risk profile. Following this meeting, we will research the best solutions for your needs and provide a tailored Wealth Management Recommendation Report. Once you approve our recommendations and the new services or products are implemented, an initial fee will be charged, along with an ongoing annual service fee to cover the cost of continued servicing, maintenance, and administration of your portfolio.

Planning your future

Planning your future

Protection

Why Protection Should Be Your First Step in Financial Planning

When planning your finances, securing the right protection should be your first priority. Proper protection ensures that your family and your financial assets are safeguarded against unforeseen events, offering peace of mind and stability.

Term Life Insurance is one of the most cost-effective forms of protection. It provides a lump sum payment to your beneficiaries in the event of your death. This payout can help your family manage expenses, pay off outstanding mortgages, and prevent any debt from becoming a burden to them. Even if you don’t have dependents, protecting your estate from debt is crucial to avoid leaving your loved ones with financial obligations.

Income Protection is equally vital. If you’re the main income earner and become critically ill or disabled, you might struggle to replace your lost income. This could significantly impact your family’s finances, especially if your spouse or partner needs to cover additional costs like caregiving.

Critical illness and disability cover can help replace lost income and manage ongoing expenses during such challenging times. Depending on your occupation and personal circumstances, an income replacement policy might also be a valuable consideration.

While these topics may be uncomfortable to discuss, addressing them now can help you ensure that your family remains financially secure, no matter what life throws your way.

Empowering your financial future

Your Path to Financial Success starts with a Solid Foundation

Before you begin saving to achieve your financial goals, the first step is to ensure you’re free from debt. Think of it as the foundation for your financial future-be GOOD, which stands for Get Out Of Debt. Understanding the difference between good debt and bad debt is crucial, and we’ll cover this in our initial meeting. By eliminating bad debt, you relieve yourself from financial strain, allowing you to focus on saving and reaching your goals.

Once you are debt-free, the next step is to build an emergency cash fund. Aim to save enough to cover your monthly expenses for a minimum of three months and ideally six months. This safety net will give you the confidence to plan and save for your short, medium, and long-term goals.

Starting to save as early as possible is key. The sooner you begin, the quicker you progress towards achieving your goals to enjoy greater financial security. We’re here to guide you every step of the way, offering honest, transparent, and easy-to-understand advice.

Being independent financial advisers, we have access to the entire market, ensuring you receive the best options tailored to your unique needs. Our bespoke solutions are designed with your best interests in mind, aiming to help you achieve financial security and a comfortable retirement. For added peace of mind, we offer professional discretionary fund management services for your private share portfolios. We are committed to supporting you in building a secure financial future, prioritising your and your family’s needs above all else.

Guernsey

Exploring International Investment Opportunities

Are you looking to safeguard your wealth amid economic uncertainty? Considering investing outside South Africa or planning a financial move abroad? We are here to help with tailored, cost-effective solutions designed to meet your needs.

Partnering with a Trustee licensed by the Financial Sector Conduct Authority and the Guernsey Financial Services Commission, we offer robust international investment options that provide you with peace of mind. Our diversified global portfolios, available in Sterling or USD, are designed to mitigate Rand currency risk and provide significant benefits, including:

  • Enjoy the benefit of tax-free growth on your investments, exempt from capital gains tax, withdraw lump sum income tax-free, maximising your returns and retaining more of your earnings.
  • Estate Protection: Shield your investments from inheritance taxes by keeping them outside your estate.
  • Political and Creditor Safeguards: Protect your wealth from political instability and potential creditor claims.

Our flexible, compliant, and efficient solutions empower you to safeguard your assets and transfer your family wealth with complete confidence, ensuring a smooth and seamless succession. Let us help you secure your financial future and achieve peace of mind with our expert guidance.

Optimise and Restructure Your Foreign Trust

Are you looking to streamline, transfer, or access your foreign assets? If you have an offshore trust, we can help you modernise and restructure it with a solution tailored to your needs. Our flexible and regulated approach is designed to be both cost-effective and efficient, providing you with significant tax savings and financial benefits.

Discover Our Tailored Solutions for Your Financial Needs

  • Life, Critical Illness, Dread Disease, and Disability Cover.
  • Monthly savings plans for a house deposit, school fees planning, university planning and retirement planning.
  • Tax-free savings accounts.
  • Tax-free Investment Portfolios.
  • Retirement Annuities.
  • Living and Life annuities.
  • New Generation Retirement Annuities.
  • Endowment policies.
  • Pension Funds.
  • Preservation Provident and Pension Funds.
  • Single Premium Retirement Annuity Policies.
  • Single Premium investments locally and overseas.
  • Unit Trust Portfolios.
  • Discretionary Fund Asset Management service for private share portfolios.
  • Fund Investment platforms.
  • Succession/ Legacy Planning.
  • Tax Accountant – Chartered.
  • Legal advice – We can introduce lawyers whom we have relationships with.