I have 30 years experience in the industry. After nine years with Wealth Solutions Capital, a Liberty Life National Distribution Partner, I have joined Vital Consult, a large Independent Brokerage in the Western Cape. Vital Consult was acquired by Efficient Group and we are now part of the Efficient Group. During my studies towards the Postgraduate Diploma in Financial Planning, I have realized that my profession is more about giving advice than a one-side product sale. I now can offer a broader range of products and services that will benefit my clients. I still believe in Liberty business but now I have access to a product and support platform that can cater fully for the financial planning needs for my clients. I offer a full Financial Needs Analysis which is used to assess your current financial position and to compare this to your desired requirements and objectives. As my client you receive a comprehensive breakdown of your financial status. Potential or current gaps in your needs or goals are identified and this allows for sound financial planning. Specialties: - Financial Needs Analysis ( Personal and Business ) - Life, Disability and Severe Illness Cover - Temporary and Permanent Income Protection ( Impairment and/or Disability ) - Medical Aid and Gap Cover ( personal and corporate ) - Business Assurance - Retirement Planning - Saving Plans ( Endowment, Unit Trusts, Education, Off-shore ) - Pension/Provident Funds - Estate Planning - Wills and Trusts - Lifestyle Programme - Forex account - Offshore Investments