NSA FINANCIAL 

FINANCIAL PLANNERS & INSURANCE BROKERAGE

The Family Life Plan Budget, (60 minute boardroom presentation or the one day Alternative Lifestyle workshop which includes the Family Life Plan Budget, can guide you and your family to plan for the phases of life:

Career, Family and Health recovery.

BOOKINGS: Life Plan Budget & Insurance (60 min Boardroom Presentation)

INSURANCE LIFESTYLE REWARDS

Our Office Cafe franchise can help you with your lifestyle changes to achieve your Life Insurance Lifestyle goals, like Discovery Vitality and Momentum Multiply. 

If your personal and office environment do not allow you to eat healthy or train regularly, it is essential to take out Comprehensive Insurance against the four major Lifestyle Diseases.

THE LIFE PLAN BUDGET

The strength of your budget plan will be tested by your ability to foresee and provide for the:

The Unknown

The Known

The Be Known

1 – THE UNKNOWN

LIFE’S ‘UPS & DOWNS’

Are you & your family prepared for life’s Emotional, Physical, Financial & Social roller coaster?

0+ Our children’s growing up years

20+ Trail years (Gains: Career & family)

30+ Error years (Wrong career or partner, or ill health)

40+ Recovery years (What was lost: Career, family or health)

50+ Applied wisdom years

60+ Re-‘tyre’ment years (Consultation & management)

MEDICAL AID

Benefits, rather than premiums, should be compared.

INSURANCE STRUCTURING

Your ultimate protection lays in the correct Insurance structuring. Due to the medical, industrial and technological progress, your insurance portfolio needs to be revised at least once a year for the latest updates on policy descriptions and definitions.

Special attention should be paid to:

Reasons behind the repudiation of claims:

  • Faulty occupational description
  • Medical non-disclosure

Single and dual policy structuring

  • Compare costs to restrictions

Permanent Disability and Temporary Severe Illnesses

  • Due to medical technology most insured people recover to return to work

Beneficiaries

  • Minors can not directly benefit

BUSINESS PARTNERSHIP

Apart from the essential Buy and Sell Insurance, a well structured Buy and Sell Agreement will ensure the correct buy-out in the event of a pay-out.

We offer:

  • Valuations
  • Insurance – Buy & Sell and Key man
  • Partnership Agreements

EMERGENCY FUND

  • Three to six months living expenses (apart from savings account)

TRUSTS

The correct independent structuring and management of a trust would prevent an ‘Alter Ego’ trust.

Be aware that with a trust:

  • you no longer have control over your assets
  • it is not a place to hide “grey money”
  • tax laws change
  • you lose legal control of assets
  • costs should be weighed against the estate duty saved.

WILLS

Revise your will regularly to ensure estate liquidity and the appointment of chosen heirs.

PREPARING for and at RE – ‘TYRE’ MENT

Start early, and profit on compound interest.

With our current political and economical uncertainty when you will entrust your life savings, we recommend that a thorough investigation should be conducted when selecting the most appropriate managing company whom would not only accommodate your lifestyle, but also restrict their diverse ‘shotgun’ approach, to minimize any emotional shocks.

BUSINESS INTERESTS at RE – ‘TYRE’ MENT

Your business or shared interest in a business, should not be your sole provision for retirement. A partnership breakup or bankruptcy could have a devastating effect.

INVESTMENT PROPERTY at RE – ‘TYRE’ MENT

Aspects of consideration:

  • Full & shared ownership (Private / Company / Trust)
  • Financing term
  • Interest rate
  • Size
  • Location has limits

PENSION or PROVIDENT FUND and RETIREMENT ANNUITIES

Aspects to be considered when contributing towards your employer’s compulsory Retirement fund, or your own retirement annuity:

  • Allowable tax deduct-ability
  • Portfolio management
  • Fund selection
  • Fees and costs

PARENT’S RE – ‘TYRE’ MENT

We can assist with practical solutions for your parents’ retirement.

Their legacy might hugely be embedded in their involvement with their grandchildren, and their encouragement and assistance with their grandchildren’s talent and sport development, could be life changing for the grandchildren’s, and extend the meaning and purpose of the grandparent’s lives.

2 – THE KNOWN

HEALTH BUDGET

Your ultimate challenge will be to maintain your physical health through out your career phase, ensuring a healthy re-‘tyre’ment, and bettering your changes for a wealthy re-‘tyre’ment!

If you look after your body the first fifty years, your body will look after you the next fifty years.

Our ‘Office Cafe’ division could guide and assist you in maintaining your health ‘almost’ to the end.

WEALTH BUDGET 

A well situated primary property and reliable motor vehicle, could be seen as part of rational emotional investments when safety, reliability and pleasure are considered. The correct warranty and service plan should also be in place.

Ownership and share contributions should be well considered and documented, when purchasing your property and motor vehicles, and could be the ‘make or break’ of your financial planning.

SOCIAL BUDGET 

The talent and skill development of your family will enhance their self esteem.

3 – THE BE KNOWN

EMOTIONAL BUDGET

We often experience difficulty in differentiating our rational from our irrational purchases, when we deal with emotional purchases.

Rational Health, Wealth and Social Budget structuring, will therefor minimize irrational purchases.

BOOKINGS: Life Plan Budget & Insurance (60 min Boardroom Presentation)
FSP LICENSE HOLDER: FSP7849 Offering Products From:
Discovery Life / Health / Invest / Vitality / Insure,
Momentum Life / Invest / Multiply,
Sanlam Life / Invest.
We do not hold any shares in any product provider.
We are covered by professional indemnity insurance.

NSA Financial