Financial Planning

At BDO Wealth, we understand that every financial journey is personal. Whether you're building a business, earning a salary, or preparing for retirement, your financial decisions are shaped by your unique experiences and aspirations. That's why we take the time to get to know you so we can guide you through life's significant money moments.

It all starts with you: your story, your principles, and your dreams for the future. By understanding what's important to you and your family, we can develop a tailored financial plan that aligns with your goals and adapts as your life evolves.

We provide advice that is both personal and professional. That's why you'll partner with a Certified Financial Planner® (CFP®), not a broker. Our CFP® professionals are held to the highest standards of ethics and expertise, ensuring that your financial plan is tailored to your unique needs and goals. With their guidance, you can make decisions that support your financial goals now and into the future.

As your financial guide, we offer comprehensive financial planning services designed to support your financial wellbeing.

Planning for the future starts with understanding your cash flow today. Our cash projection services help you answer how long your money will last, so that you have the confidence of not running out of money in your living years. With our help, you’ll feel in control of your money and ready for whatever comes next, giving you the peace of mind that you will have enough to live the life you want to live.

Your family’s security is a priority, and life insurance is an essential tool in protecting their future. We’ll help you find the right cover, ensuring your loved ones are taken care of in the event of the unexpected, providing peace of mind during life’s most uncertain moments. With the right life insurance solutions, you can ensure that your family’s financial wellbeing is protected, no matter what life brings.

Our financial planners help ensure you have the right business insurance in place, whether it’s cover for key person risk, a strategy for transferring ownership in the event of a death, or a broader succession plan. We work closely with you to protect the long-term value of your business, making sure it can continue to run smoothly even when life takes an unexpected turn.

Tax efficiency is a critical part of growing and preserving your wealth. Our investment tax planning strategies are designed to help you optimise returns by reducing your tax liabilities. We work with you to identify tax-efficient investment options, helping you navigate complex tax laws and ensure that more of your hard-earned money stays in your pocket. With thoughtful planning, we help you build a strategy that minimises tax burdens, enabling your investments to work harder for you over the long term.

When it comes to growing your wealth, having a smart investment strategy is key. We offer bespoke investment solutions that align with your risk tolerance and long-term objectives, helping you make informed decisions for a prosperous future. Whether you’re investing for retirement, saving for a specific goal, or simply looking to grow your wealth, our financial planning professionals work with you to design an investment portfolio that reflects your personal financial aspirations and the lifestyle you envision.

Your legacy isn’t just a financial plan – it’s a reflection of everything that matters most to you. We’ll work with you to structure and manage your estate, guiding you through decisions about tax thresholds, estate duties, and providing for your loved ones tax efficiently. Together with BDO In-House Attorneys, we’ll draft your will and help you set up trusts, ensuring your wishes are honoured and your legacy is safeguarded for the future.

Family is at the heart of every major life decision, and we understand that. Whether you’re saving for your child’s education, caring for ageing parents, or preparing for marriage, dealing with divorce, a disability or other money moments, we’ll help you navigate these LifeQs. We’ll work with you to manage household finances, plan for everyday needs, and prepare for long-term goals, ensuring that every family money moment counts. Let’s create a financial plan that reflects what’s truly important to you.

Managing your short-term cash shouldn’t be stressful; it’s all about making sure your money is ready when you need it and working a little harder in the meantime. If you’re running a business, saving for something special, foreign currency offshore investments, or just needing to hold cash for a short term, our Cash Management team is here to help with simple, secure, and personal support. As authorised agents for Nedbank and Investec Private Bank, we can assist with setting up flexible savings accounts, handling foreign exchange transfers, planning for big expenses and bespoke banking. Read More

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