"The most difficult thing is the decision to act, the rest is merely tenacity."

- Amelia Earhart -

MY APPROACH

Financial planning is a journey. Let's go on this journey together.

Carina Knill Profile2

THE MOST IMPORTANT INVESTMENT DECISION YOU’LL EVER MAKE IS THE DECISION TO START.

Be prepared though. It’s a long journey, often into uncharted territory. There will be ups and downs, summits and setbacks and sometimes detours. That’s why you need a guide. Someone who has often travelled this path and can help you reach your investment destination with the maximum profit and the minimum risk.

That’s your goal. My goal is to get you there, and to achieve that objective I will undertake to understand you, your personality – for example are you conservative or a risk-taker? – and assist you in the financial planning process by creating objectives, assessing assets and resources, estimating future financial needs, and setting out plans for you to achieve that financial goal.

Together, let’s start your investment journey by partnering and providing you with the information and tools you need to move in the right direction to achieve your investment goals for a stable future and improved financial status.

Together, let’s take that all-important first step.

Carina Knill is a registered and accredited Financial Planner and has a BComm Accounting and BComm Honors Degree in Financial Management.

"Most people don't plan to fail, they fail to plan."

- John L Beckley -

FINANCIAL SERVICES

Independent advice on all your risk protection, fiduciary and investment planning needs

Estate Planning

Estate planning is not only for the mega-rich. If you have assets, investment policies, risk cover and more than one potential beneficiary, then I can assist you with the planning of your estate and how it will be allocated when you pass away. An estate that is left open can cause a difficult time to be even harder for those who are left behind. Often there is more work needed on a R3m estate than on one that is worth R20m!

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Investments & Tax Free Accounts

When it comes to investing, it’s important to have a diverse portfolio. My expert knowledge and extensive investment options allow you to truly choose the very best products available to you. From low-risk, long-term investing to high-risk, short-term strategies we can mix it up or keep it conservative: investments completely tailored to who you are and where you want to go.

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Corporate Benefits

Group Life, Pensions and Provident Funds remain an essential part of a well run business. I will tailor your company’s pension and provident funds for you, using the most appropriate corporate providers to tender for the risk benefits and the retirement benefits separately – ensuring cost effective and customer specific corporate benefits.

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Business Assurance

Will your business survive if you are disabled, die or become impaired or what would the consequences be if this happened to one of your partners? Together we can design flexible and comprehensive solutions to meet your business assurance needs, utilising Key-Man policies and Buy-and-Sell agreements where appropriate.

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Retrenchment Benefit

Have you thought about what you and your family will do if you are retrenched? If it hasn’t happened to you, you probably know someone who’s been retrenched. In these tough economic times, it’s one of the most understandable fears. You want to be protected if you’re faced with retrenchment or liquidation.

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Retirement Planning and Provision

The sooner you begin to plan and save for your retirement, the sooner you can retire! The product most bought for this type of financial planning and provision is known as a Retirement Annuity (RA). Most companies have RA’s worked into their remuneration packages, but many don’t.

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Medical Cover & Gap Cover

We are able to advise on a wide and diverse range of Medical Cover and Gap Cover products that will suit almost any budget. These products range from cover for basic hospital stays through to full, comprehensive medical aids that cover consultations with doctors, medication, glasses and other medical expenses.

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Disability & Income Protection

Most households in today’s economy rely on more than one income to keep the household expenses under check, very few are able to survive on one income alone. If you were injured or disabled in some way and could no longer work, would your family be able to cope without your income?

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Critical Illness

These products are also known as Dread Disease Cover. Advances in medical care mean that more people can now survive illnesses once thought to be fatal. However, although many individuals lead relatively normal lives, they no longer enjoy the same mobility or good health. The best medical treatment can cost you and your diminished ability to work could force you to make severe lifestyle changes.

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Life Cover

You pay tax every month to the state, but what are you paying to provide for those that you love and care about after you have gone? Life cover should not be seen as a grudge purchase but rather as an investment into the future of your spouse and children. You work hard to provide for them now, that shouldn’t have to change in the future.

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"Success is nothing more than a few simple disciplines, practiced every day."

– Jim Rohn -

Testimonials

What my clients have to say about me

"A goal without a plan is just a wish."

- Antoine de Saint-Exupery -

CONTACT ME TODAY

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