Financial Planning
A Plan for Every
Aspect of Your Finances.
Comprehensive personal financial planning that covers your needs, your goals, your wealth building, and your wealth protection — all in one place, all working together.
Your Entire Financial Life, Planned in Detail.
Personal financial planning looks at every aspect of your individual finances — from where you are today to where you want to be — and builds a clear, actionable plan to get you there.
Wilco Naumann is registered with the Financial Sector Conduct Authority (FSCA) and operates through an authorised Financial Services Provider. All financial advice is fully regulated and compliant with applicable legislation.
Whether your goal is to build wealth, protect your income, plan for retirement, or simply get your finances in order — comprehensive financial planning covers it all.
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Wealth Building
Investments, retirement & tax-free strategies
Wealth Building
- Retirement annuities & pension funds
- Tax-free savings accounts (TFSA)
- Unit trusts & endowments
- Living annuities & active capital
- Long-term investment strategies
Wealth Protection
Life, disability, critical illness & income cover
Wealth Protection
- Life insurance & death cover
- Critical illness cover (2–3 year lump sum)
- Disability insurance (lump sum)
- Income protection (temp & permanent)
- Covers all long-term insurance needs
Financial Needs Analysis
The foundation of every financial plan
Financial Needs Analysis
- Conducted with every new client
- Reviews income, expenses & liabilities
- Assesses insurance & investment gaps
- Identifies short & long-term priorities
- Forms the basis of your financial plan
- Fully regulated & FSCA-compliant
Financial Health Assessment
Know exactly where your finances stand
Financial Health Assessment
- Comprehensive multi-question questionnaire
- Assesses your overall financial health
- Covers savings, debt, cover & retirement
- Scores and ranks your financial position
- Highlights areas of risk or weakness
- Starting point for any planning session
Consultations
One-on-one or group — in person or online
Consultations
- Individual or group sessions
- In-person or online
- Single sessions or ongoing advisory
- Strategic financial guidance
- Tailored to your specific situation
Our 7-Step Financial Planning Process
Understanding Your Circumstances
We begin by understanding your complete personal and financial situation — income, expenses, dependants, assets, and liabilities.
Identifying and Selecting Goals
Together we identify what matters most to you — retirement, education, debt freedom, protection — and prioritise your goals.
Analysing Your Current Position
We evaluate your existing financial products, strategies, and gaps — and explore alternative courses of action available to you.
Developing Recommendations
A personalised financial plan is developed, covering investment, insurance, retirement, and estate planning recommendations.
Presenting the Plan
We walk you through every recommendation clearly and transparently, ensuring you understand and agree with the proposed strategy.
Implementing the Plan
With your approval, we action the agreed recommendations — setting up products, making switches, and putting the plan into motion.
Monitoring Progress and Updating
Financial planning is ongoing. We review your plan regularly and adjust as your life, goals, and market conditions change.
Authorised Platforms & Investment Houses
Financial planning advice and product implementation is carried out through an authorised FSP, with access to South Africa’s leading financial institutions:
Sanlam
Momentum
Liberty
Hollard / Altzone
Allan Gray
Marriott
Cadiz
Old Mutual
Discovery
One Life
FMI / Bidvest
Brightrock
Sygnia
Outvest
Sanlam / Sanport
JUST Income
Capital Legacy
YOUR FINANCIAL FUTURE STARTS WITH ONE CONVERSATION
Book a comprehensive financial planning session and leave with a clear picture of where you stand and exactly what needs to happen next.