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Holistic Independent Financial Planning Charmaine Faul
66 Ring road,2nd floor, Fairview House Green Acres , Port Elizabeth
041 450 0419
Charmaine Faul
Divisional Manager – Port ElizabethWealth ManagerCertified Financial Planner15 Years experience Risk planningInvestment specialistEstate Planning Post Graduate Diploma in Financial PlanningCompleting MBA through NMMU in 2016
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MissionIncreasing the Global Savings Rate through
building and preserving our clients’ wealth
ensuring a Safe and Secure Retirement
Treat our clients like
familyUnderstand our Clients’
WHY
Ensure all Clients are
on a path to their safe
retirement
Constant drive to innovate
and develop
Practice what we preach
Clients remain at
the forefront of everything
we do
Self belief to turn
dreams to reality
Take ownership
of our responsibili
ties
Sense of urgency in all we do
Complete commitment
Being one with the
vision and mission
WHYTo grow and preserve our clients’ wealth ensuring a
safe and secure retirement
What•Pension Funds•Provident Funds•Preservation Funds•Retirement Annuities•Living Annuities•Risk •QROPS•Unit Trusts •Wills•Life cover •Etc.
How1. Introduction to the GCI
Retirement Planning Process2. Introduction to the Wealth
Manager3. Overview of the GCI Group –
our history and what we stand for
4. Understanding our Clients’ WHY
5. Detailed analysis of the Clients’ situation and Retirement Plan Preparation
6. Fine tuning of Retirement Plan – return objective
7. Implement changes required8. Regular monitoring, updates
and reporting
WHY
HOW
WHAT
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So WHY this WHY?44% of SA have
no formal retirement
savings
50% of SA believe they are
on track to a safe retirement
89% of South Africans will not be able to retire
safely and securely
Quotes from Dr. Aubrey Grey
First person to live to 150 has been born50% chance of bringing aging under medical control by 2040The first person to live to 1 000 years old will be born by 2040
This has significant implications on your
Retirement Planning
Independent And Holistic Financial Planning And Advice
While retirement is the most critical it is important to ensure the “interruptors” are covered in the most appropriate and cost effective way. We are FSB licenced for Health, Risk and Investment giving Independent Advice through our contracts with all the major South African and many international financial product providers.
BackgroundDiversified Global Financial Services Group
Asset Management and ConsultingRetirement and Estate PlanningWealth Management
OfficesPort ElizabethHelderkruinCape TownGarden RouteUmhlanga DurbanSandton
Diversified Financial Group
GCI Group
GCI Asset Consulting
Retail
Institutional
GCI Asset Management
Existing Funds
Segregated Mandates
Share Portfolios
GCI Wealth
Wealth Management
Retirement Planning
Estate Planning
GCI Employee Benefits
Stand Alone
Umbrella
GCI Risk Services
Personal Lines
Commercial Lines
GCI – The people
Alex Cook | CEO | B.Science (Hon), KI Group CEO since 2012 15 years’ in asset management and retirement Investment committee member Responsible for strategic leadership
Chad Crew | General Manager– 13 Years experience– Bcom– Head of Operations
GCI – The people
Troy Laas | National Divisional Manager, KI– 13 Years in the industry– Registered Financial Planner– Responsible for mentorship and sales growth – Share portfolio and offshore specialist
GCI – The peopleAlex Funk | Head of Asset Consulting | Bcom (Investment Management), Bcom (Hons) Financial Analysis
Financial analysis experience in the Wealth Advisory and Corporate
Finance industry Experience as a Wealth Manager at boutique and corporate level Experience in investing Venture Capital funding to SME’s Investment committee member
Dale Roodt | Analyst | B.Com (Hon), Dip Inv Analysis
Research analyst since 2012
Qualitative research process and analysis
Investment committee member
Backup fund manager
GCI – The people
Senior Asset Consultant | Keith Robertson| BA-Phil, BA-Psych (USA) Started his career at Prudential Investment Managers in 2000 Responsible for raising R6bn in Assets for Prudential during their
early years Extensive Local and Offshore Asset Management Experience Investment committee member
CIO | Greg Flash| MSC (Eng.), CAIA, KI Joined Alphen Asset Management in 2007, which became PSG Multi-Management Managed R18bn in Assets at PSG Multi-Management Started Southern Cross Asset Consulting in 2014, which merged with GCI Asset
Consulting in 2015 Investment Committee Member
Questions to ask yourself
• Do you know your current Net Asset Value?• Do you know what income you need during your
Retirement Years?• Will your capital last you throughout your Retirement
Years?• What are the potential lifestyle interrupters that may
affect your hard-earned retirement capital.• When last was your portfolio reviewed and updated?
Value Proposition
Full portfolio review – personal together with companyUpdating and consolidate portfolio to meet current objectivesMost cost effective investment platformsTransparent fees on all financial productsCompletely independent advice through wide range of product offeringOne Financial Adviser manages entire portfolioPlanning stops at Death
Intro to GALM
GCI Asset Liability ModelMatch current Assets to a LiabilityThe Liability concerned being the income you wish to earn during your retirement yearsEnsuring your Assets can provide for the Liability throughout retirement and still appreciate in value to leave a legacyEssential for Estate and Tax Planning
Independent Financial Planning
Corporate Consultants For
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All information and opinions provided are of a general nature and are not intended to address the circumstances of any particular individual or entity. As a result thereof, there may be limitations as to the appropriateness of any information given. The information set out above is a basic summary of the relevant principles and it is imperative that any proposed investor obtains detailed advice, in the context of his/her specific circumstances, prior to making an investment. It is therefore recommended that the client first obtain the appropriate legal, tax, investment or other professional advice and formulate an appropriate investment strategy that would suit the risk profile of the client prior to acting upon information. GCI is not acting and does not purport to act in any way as an advisor or in a fiduciary capacity. GCI endeavours to provide accurate and timely information but we make no representation or warranty, express or implied, with respect to the correctness, accuracy or completeness of the information and opinions. The information set out herein is based on enacted legislation at the time of publication, but it should be noted that the legislation and practices referred to are subject to change from time to time. GCI does not undertake to update, modify or amend the information on a frequent basis or to advise any person if such information subsequently becomes inaccurate. Investors are therefore urged to ensure that they obtain independent, updated advice on an ongoing basis. Any representation or opinion is provided for information purposes only. GCI Consulting Services & its subsidiaries will not be held liable or responsible for any direct or consequential loss or damage suffered by any party as a result of that party acting on or failing to act on the basis of the information provided in this document.
DISCLAIMER
