Dave Frame Email & Phone Number

Johannesburg Area, South Africa

After 10 years of travelling overseas and gaining some really valuable insights into how other brokerages work and operate, I have finally returned to having my own brokerage. I look forward to putting all the valuable lessons learned into practice in helping clients get a fair shake of the dice in making their financial aspirations a realiy. Investors have a range of options when choosing a company to work with. An investment brokerage is authorized to trade securities for buyers and sellers.By ensuring that Dave Frame and Associates does not erode returns, investors can be confident that they have selected a company that provides economical fees and has helped them through research and comparing fees, products and benefits. As a full-Service Brokerage, we offer estate planning services, tax advice and consultations. We also offer up-to-date stock prices, quotes, and research on economic conditions and market analysis.

Johannesburg Area, South Africa

Disrupting the market, focusing on delivering consistent returns at a fraction of the costs of our competitors. Isn't it time you had an advisor who worked for YOU rather than an insurance company? We are totally independent and able to give unbiased advice! At Harbour Wealth we simplify the intimidating, complex and confusing world of Investments, Retirement Planning, Estate Planning and Long Term Insurance. This is achieved through simple communication, ongoing client education as well as providing clients with the tools and guidance to plan and manage their own financial future.HEALTH AND WEALTHThe health industry has been extremely successful in educating people about longevity and similarly, we strive to help clients understand and plan for the impact that living longer will have on their finances. Living longer, if you can’t afford it, is a scary prospect!We guide and support our clients, helping them match their financial behaviour to their health habits. We call it your WealthCare and it’s important to us.

Johannesburg Area, South Africa

Totally independent insurance brokers offering advice across the full spectrum of insurance needs. Life and investments, health care and short term (domestic and commercial). Please have a look through my posts - I have spent 20 years cultivating my value proposition. I am not prepared to tolerate the daylight robbery that goes on in this industry any more. I am willing to guarantee that you are being fleeced where you are currently - I've been there, done that and now it's time to offer total transparency on all the products you need ........ and very likely aren't getting where you are now.I took over this brokerage as key individual to assist the family of the principal who had passed away without life cover. I ran the business for approximately 9 months until we could find a buyer to take over the respective books. We are currently in the process of lapsing the licence. I did not want to take the business over myself as the client base had been neglected for too long and did not think it was a sound investment.

Johannesburg Area, South Africa

Financial planning and advice

Helderkruin

An opportunity arose to join a large GIC (group independent contractor) in late 2013. I joined the Florida Hills branch and continued marketing Discovery’s products to clients. Again I was involved in selling across Discovery’s entire product line (health, life, invest and insure). We were very involved with marketing through Virgin Active and I managed to expand my client base quite significantly. I worked with GCI as a wealth manager further learning the intricacies of the investment world. I had exposure to retirement planning and developed some very useful skills enabling me to help clients achieve a safe, secure retirement. I would think in financial planning terms the most important thing I learned at GCI is that in terms of all the possible outcomes, the most likely is that nothing will happen (death, disability, dread disease) and that we will, in fact, get to retirement. In light of this, I regard retirement planning as paramount for most individuals!In mid-2015 I decided to go back into broking and joined a brokerage in Helderkruin. The company had contracts with all major insurers and I was able to offer a more comprehensive package to my clients. I continued to market all the different product lines (health, life, invest and insure).

Johannesburg Area, South Africa

I returned to SA in April of 2012 and joined Discovery in the DCS channel in Durban. I worked as a representative selling the full spectrum of Discovery’s products. After a period of approximately 6 months, I moved across to the IC (independent contractor) channel and carried on building my own client base, dealing with clients regarding their health, life, investment and domestic insurance needs.Employed in a direct sales position I had the opportunity to learn all the Discovery products in intimate detail. Underwent constant training and development across all aspects of Discovery's product offering, obtaining a comprehensive understanding of everything the company had to offer clients

Manchester, United Kingdom

Based in the UK I provided financial services on an independent basis, giving advice on mortgage and financial service related products.I again went back into the mortgage lending space as the effects of the credit crunch began to ease. I was employed by Citri as a territory manager, based in Manchester and servicing a large area of Lancashire including Blackburn, Burnley, Liverpool, Manchester, Oldham and Huddersfield. We dealt directly with the public arranging mortgages through various lenders and consolidating clients’ debt.

I started out in the insurance industry working a few months for a brokerage under the watchful eye of Mike Sztrom who was one of the most successful broker in Natal at the time. This brokerage closed down when the broker principal suddenly went overseas. I then elected to open my own brokerage and employed a few representatives over the years, some of whom became very successful in marketing PPS. My practice was built on catering exclusively to professional clients using PPS as a ‘foot in the door’. Over a period of ten years I consistently achieved awards for both quantity and quality of business written with both PPS and Sanlam and established a significant client base (roughly 400 clients) of high net worth individuals. I decided to move to the UK in late 2007 and sold my brokerage to a fellow PPS marketer Ulf Freitag. Ulf is still an active marketer of PPS in Natal.

Kwa Zulu, Natal

Representative – Commercial and Industrial I moved from government and started with Total, initially as a credit control manager and then moving into sales management. I was allocated the Northern Natal region to control and called on transport businesses, wholesalers and retail outlets as well as large businesses in the area (eg Iscor).

Kwa-Zulu

State Accountant Natal Provincial Administration (NPA) Pietermaritzburg Accounts Department Pensions Department Government Garage Fuel accounts I started here as a trainee accountant and moved between departments initially to gain experience in government workflow. After a period of roughly a year I was put in charge of my own section, handling payments to garages and billing the various government departments for fuel usage. This department employed approximately 15 people in total.

Bachelor Of Commerce (B.Com.), Economics, B Commerce

Activities and Societies: First team football SA Universities B 1987Subjects Accounting 1, Economics 1, Commercial Law 1, Maths C.

Certification, Taxation, Nqf

Taxation 101

Education record

Activities and Societies: First team football Golf team

Education record