Roos Brokers

Financial Services

Investment Planning

Investment Planning

Investment Planning
Investment Planning is a comprehensive explanation of the different investment choices available, and a practical approach to creating efficient investment portfolios for different risk profiles, investment time horizons on both the South African and overseas investment markets. As investment advisors we incorporate various tools as well as knowledge to devise sound investment strategies for our clients. We assist investors in understanding the vagaries of investment markets. Creating a viable investment plan requires a little more than simply establishing a savings account and buying a few random shares of stocks. In order to structure a plan that is feasible, it is important to understand what you want to accomplish with ones investments, define how to reach those goals and evaluate different types of investment options to decide which avenues will be suitable to aid in the achievement of ones goals. Even the best investment plan may need tweaking as changes in the economy occur or personal circumstances shift in some manner. We see those situations as opportunities to rethink your strategy while still keeping your goals uppermost in our mind. Doing so will lend direction to your investment activities and make it easier to see the big picture even as we deal with present day market variances. We make it a point to review your investment plan from time to time, on an annual or bi-annual basis in most cases. We focus on how well your current strategy is advancing toward your goals, and make changes in your strategy when necessary. Keep in mind that as circumstances permit, we can broaden the range of your investment portfolio, hopefully generating greater returns that make it possible to reach your goals sooner rather than later
Retirement planning

Retirement planning

Retirement planning
The need for a retirement plan is common knowledge. The truth is that it is never too early to begin building a nest egg by learning how to prepare a retirement plan that will adequately cover your expenses throughout the later years of your life. The steps for retirement planning may take some time and effort, but the rewards are far-reaching to ensure that you can spend your retirement years in comfort and security One of the primary reasons that people engage a financial planner is to know if, and when, they can retire. One of our primary functions is to assist you to calculate the amount of capital you will require at retirement and how best to save sufficiently over a period of time to achieve those goals. Just the thought of retirement can cause anxiety and many feel overwhelmed and unprepared, however with adequate and careful planning these anxieties and fears can be allayed. The simple fact is, if you want a comfortable retirement you cannot leave the planning to someone else. If you sit back and hope that your company pension will somehow provide enough to give you the retirement you desire, you are likely heading for disaster. Research has shown that as many as 94% of South Africans do not make sufficient provision to enjoy a comfortable retirement. As a result, they need to continue working in their retirement years, or depend on family members for support. The financial pressures to provide for a financially secure retirement are increasing because:
  • People are living longer, which means that they need more money at retirement.
  • Many people are retiring at an earlier age, again necessitating greater provision for their retirement years.
  • Inflation affects the buying power of retirees’ incomes and this is exacerbated by the fact that people are living longer. It is therefore important for people to have sufficient funds to provide for inflationary increases in their income after retirement.
  • Many companies have stopped paying medical aid contributions for retirees because of escalating costs. This has forced individuals to make their own provision for medical costs after retirement.
  • Most companies have changed their retirement vehicles from defined benefit to defined contribution models, placing the responsibility for the accumulation of retirement capital in the hands of the employee rather than in the hands of the employer. This requires individuals to fund the shortfall in retirement funding caused by the change in models outlined above
Estate planning

Estate planning

Estate planning
Estate planning is the process whereby you effectively structure your estate to protect your beneficiaries and preserve your assets in the most cost / tax efficient method. A Will is a legal document that sets forth your wishes regarding the distribution of your property and the care of any minor children. We aim to assist in the drafting, maintaining and executing of a Last Will and Testament, so that your loved ones may be cared for and your last wishes carried out. The results of leaving your loved ones behind without a valid Will can be catastrophic. By making sure that your Last Will and Testament is in place, valid and up to date you can:
  • Protect your family’s financial future and inheritance
  • Protect your family against debt liabilities from your business
  • Save on estate duty
Health planning

Health planning

Health planning
We provide specialised health planning services to individuals, families and corporates designed to suit your personal and financial situation. Our experts will provide you with comprehensive medical aid and insurance options which best suit your particular needs. Our committed staff will keep you up-to-date with changing legislation and benefit structures Services include:
  • choosing the most suitable medical aid option in the market
  • investigating and comparing medical schemes and options
  • providing pro-active advice on your present medical aid
  • assist you with claims and query resolution
  • advising on medical insurance to cover shortfalls in medical aid cover
Business Financial Planning

Business Financial Planning

Business Financial Planning
Business financial planning includes advising employers on how best to structure their employee benefit programmes with reference to pension and provident funds, group life and disability, funeral plans and medical aids and insurance. We also provide advice on partnership assurance, buy and sell agreements, key man policies, as well as executive remuneration packages. To retain your employees you need to develop employee benefits strategies that fit the needs of both your company and your staff. An employee benefits package should be attractive to both current and prospective employees, while at the same time being financially feasible for you as the employer.
Risk Planning

Risk Planning

Risk planning
The risk planning process is undertaken by completing a financial needs analysis and risk questionnaire with your financial planner. Our experts offer an unbiased, unique service to every client seeking quality advice, we are not obliged to use the products of just one Insurance Company or Investment Provider, so we are in the exceptional position of being able to give you the best of a variety of options. The financial needs analysis and risk questionnaire covers, inter-alia, the following:
  • Family position/ background
  • Financial needs goals, objectives and aspirations.
  • Current financial position.
  • Risk profile.
  • Time frames for financial planning
Analysing existing assets and liabilities and analysing the existing insurance and investment portfolio. This covers aspects of risk and wealth creation, including the setting aside of emergency funds for contingencies and/or implementing the required life insurance and investments. Risk planning includes life insurance, disability, dread disease, income protection and medical care cover. Personal life insurance is implemented to provide a solution to financial problems which arise on the death or disability of the breadwinner in a family. Upon your death, there must be sufficient life cover, after paying debt and expenses which when invested will be used to meet the lifestyle requirements of your family.

About Us

Our business has a long and proud history that dates back to 1991. We have consistently remained true to our promise of providing independent and superior financial planning solutions to individuals and institutions across South Africa.

Our goal is to form a successful relationship with you, provide insightful financial planning and ensure that this is effectively managed. We will work together with you to implement investment strategies that will assist you in achieving your financial goals, taking your personal needs into account.

Credentials

Andre Roos – Key individual, Financial planner ILPA, over 28 years of industry experience. Based in Port Elizabeth.
Michael Roos – Financial planner CFP®, over 8 years of industry experience. Based in Johannesburg. Objective Money Profile.
Bernadette Cowley – Representative RFP® Healthcare specialist, over 33 years of industry experience. Based in Port Elizabeth.
Lizelle Miles – Employee Benefits specialist, over 15 years of industry experience. Based in Port Elizabeth.

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