Wealth management
Comprehensive financial planning is the new wealth management. It means being strategic about every aspect of your finances and making sure everything works together to achieve your goals.
Start hereComprehensive flat-fee financial planning for high-earning South Africans
Secure your future.
See the world.
Make work optional.
Virtual. Flat-fee. No commissions. No product bias.
Independent financial planning designed to help successful professionals feel intentional, confident and in control of their future.
"Will I have enough?"
That's a question we've heard many times. Working through the financial planning journey, Freedom clients can answer it.
When people find out they're going to have enough financially, they transform before our eyes. Their shoulders drop. They smile more easily. And their favourite part? They start saying yes to all those dreams and goals that seemed a little too reckless before.
We call this moment "Joining The Enough Club". You can get there too.
Virtual flat-fee financial planning
Hear it from our clients
Real South Africans who found the financial clarity they were looking for.
Sungi
Jade & Ettienne
Nicolene & David
Secure tomorrow.
Live today.
When your future is clear, you can spend intentionally, guilt-free.
Comprehensive
financial planning
that works for you
- Tax optimised
- Risk managed
- Wealth growing
- Legacy secured
- No hidden fees
- No commissions
- No unnecessary products
Long-term planning. Real accountability.
Life changes. Goals evolve.
That's why true value is not a once-off plan.
It's having a strategic partner who helps you adapt and stay on track.
Risk planning
Risk planning secures what you have already. This includes protecting your income and making sure your loved ones will be taken care of should you pass away.
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Investment planning
There is no one-size-fits-all strategy for investing. Grow your wealth in a way that makes sense for your goals and aligns with your values. Simple, so that no fads, no exciting new returns with commissions, no hidden costs, no conflict of interest.
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Retirement planning
Find out how much you'll need to maintain your lifestyle when you're ready to retire — with optional advice and a strategy in place that still allows you to enjoy life now.
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Estate planning
Ensure your local and offshore assets go to the right people when you pass away, in the most efficient way, while gifting as little as possible to the taxman. This involves structuring your assets efficiently and ensuring you have a valid and relevant will.
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Tax efficiency
Make sure your finances are tax optimised to be compliant without paying more tax than you need to.
Start hereFinancial planning that’s all about you
Your money is important, but you are the client. We combine expert planning with visual modelling so you can clearly see how today’s decisions shape tomorrow. You’ll understand your finances, you’ll feel empowered, and you’ll have a financial wingman holding you accountable.
Join the high earners choosing freedom over confusion.
The Freedom Way™
The Freedom Way™ is the proprietary financial planning process that will help you get from where you are now to where you want to be.
Life Planning
Getting to know you and your goals
Financial Planning
Comprehensive look at your needs
Financial Advice
Product research and recommendations
What you can expect
Your first step is to request a free, no-obligation intro call.
This is to see if we’re a good fit for your needs. Come with lots of questions.
Once you become a Freedom client, we’ll spend time identifying your needs, goals and concerns and put a financial plan in place to address them. This includes life planning, where we focus on your investments; risk and estate planning; and financial advice, where we make sure you have the right products for your needs and goals where necessary.
When your initial plan is in place, our annual client care cycle is designed to keep you on track, make sure your investments are growing, and adapt your plan as your life evolves.
Freedom Financial Planning is a virtual financial planning business. Your sessions will take place online.
Getting to know you
Your journey begins!
Talking numbers
Risk & estate planning
Life planning
(Investing)
Recommendations & implementation
Annual client care cycle
When you experience real financial planning,
you’ll discover products are just a tiny piece of the picture.
Freedom Financial Planning
Why flat-fee financial planning?
In the advice profession, being independent means working with many product providers. At Freedom, we believe financial planning should be as unconflicted as possible. And true independence means having the freedom to give advice that is always in our clients’ best interest.
+ − You deserve to know what you pay.
Percentages can be vague. We want you to know exactly what you’re paying.
+ − You deserve financial planning that’s free from product pressure.
We don’t have to sell you products in order to get paid.
+ − You save.
You don’t have to pay for expensive products you don’t need. All your long-term insurance is free of commission, saving you up to 30% on monthly premiums for life.
How Traditional Advice Firms Charge
Typical annual investment fees with an “assets under management” (AUM) commission model
R80 000 pa /
R6 667 pm
1% fee on R8m
R150 000 pa /
R12 500 pm
1% fee on R15m
R250 000 pa /
R20 833 pm
1% fee on R25m
Our Fees
From R4 142 pm (R49 700 pa)
*Pricing is based on estate size, complexity and degree of service required. Fees indicated are a starting point. However, the fee is always fully disclosed at the start of the relationship. (Pricing excludes VAT)
Ways to pay us
You have options.
+ − Pay from your investments
Best for: Those with sizeable investments and less cashflow; high net-worth individuals; retirees.
How it works: In South Africa, a financial advisor can legally earn up to 1% p.a. from a client’s investment portfolios. For example, if you have investments totalling R10m, the investment administrator can pay the advisor up to R100 000 p.a. on your behalf. We’ll work out your fee as a rand amount and then translate that into a percentage of your investments.
+ − Pay directly via EFT / debit order
Best for: High earners who are still building up their investments; those who prefer to maintain control over payments; business owners.
How it works: We send you a monthly invoice, and you pay directly.
Meet the planning teams
Bryan & Cherise
Pieter & Ayden
As seen in...
What our clients say
“Simon started working with Bryan, I had more at ease about my financial future. There were less concerns about whether I’m doing enough with what I have. Bryan can relate to my life situation and is not too prescriptive, allowing me space to make decisions as well. He has never failed to provide a detailed answer to my questions that really aids my understanding.”
DEAN
“Working with Bryan has been amazing. For the first time ever, we actually know what is going on, what our policies are doing for us, and where we need to make changes if necessary. We were previously completely in the dark, blindly following advice from brokers who did not take the time to get to know us and find out what our goals were. We now know 100% that our best interests are being thought about and looked after, and everything is explained so that we fully understand where we are with our planning.”
MANDY & BRANDEN
“For many years we had advisors who helped us with future retirement planning but were always disappointed that it seemed it was all about how much commission they would earn, irrespective of how badly our investments were performing. Since meeting Bryan for the first time, we’ve felt very comfortable with him helping us with our retirement planning. Bryan has been with us on this road for a few years and we are extremely happy with his patience and making sure we understand what he offers us, how these investments work and how it will help increase our investments going into the future. We also now have a better understanding of how investments work.”
JOE & JUNE
“Since working with Bryan, I have greater insight into where I am now and what I need to do now and in the future to achieve financial freedom. I appreciate his honesty and the preparation that goes into compiling his reports.”
PAUL
“Bryan has spent lots of time getting to know us, and is interested in what we want, value, desire and fear in life. He takes a holistic view of our finances, not just looking at what retirement fund investments we have. There was also a significant amount of time spent in analysing our assets, liabilities and expenses in the formulation of our financial plan. That gives us a sense of comfort and security about our finances.”
FILIPE & VIDA
“Before meeting Bryan, I had never gone past the first introduction meeting with a financial advisor as it always felt too complicated. I enjoy working with Bryan because I feel that he strives to empower me, as the client. I feel more in charge and better able to adapt to changes, rather than feeling trapped in a one-size-fits-all product.”
DAVIDE
Questions we're often asked.
+ − What is flat-fee financial planning?
Traditionally, financial advice firms get paid by selling products and earning a commission.
In the case of long-term insurance, the amount gets added to the client’s premium. With investment products, the advisor earns a percentage of the client’s investment portfolio.
With this way of charging, the advisor can only get paid if they sell you products or manage your investments.
Flat-fee financial planning is different in that flat-fee advisors charge clients a rand amount for financial planning as a service. That means a flat-fee financial planner doesn’t have to sell or be appointed to products in order to get paid.
In short, flat-fee financial planning charges for a service and products are included where necessary. Traditional financial advice charges for products and the planning is included.
+ − What makes Freedom Financial Planning different?
There are a few things Freedom Financial Planning does differently:
1/ Flat-fee remuneration model: Freedom Financial Planning works on a strictly flat-fee basis. Our trademarked financial planning process is the service you pay for. We only put products in place if you need them and we don’t charge commission on any products.
2/ Virtual financial planning: Freedom Financial Planning is a virtual business. We meet with clients almost exclusively online, so even though we are based in Cape Town, we work with people all over South Africa.
3/ The Freedom Way™: We took all our learning, expertise and experience working with hundreds of clients and created a trademarked financial planning process. The Freedom Way™ was strategically designed to help you work out what “enough” looks like for you and then help you get there.
What else? We’re really big on education. We never want you to feel silly about asking a question – even if you’ve asked it before. Our job is to make sure you know where you stand financially and that you feel confident about the decisions we make together. If we ever slip into jargon you don’t understand, call us out on it. Check out our Knowledge Hub.
+ − Do you work with clients across South Africa?
Freedom Financial Planning is a virtual business. We meet with clients online so even though we’re based in Cape Town, we can work with you wherever you are.
+ − Who is your service best suited to?
We work with high-earning professionals who are 10-15 years away from making work optional. Our clients want to feel in control of their finances. They ask lots of questions. And if they’re not ready to join The Enough Club yet, they have the work ethic and drive to make it happen.
We’ve found we add the most value for people who have an annual (household) income of R2.5m+ and an asset base (household) of R15m+ in value.
What’s in an asset base? All your investments funds/accounts, retirement funds, investment properties, businesses, etc.
+ − Do you offer a family office?
Freedom Financial Planning offers a virtual family office service for qualifying clients. Through our partner network, you will have access to legal, accounting and tax services. If you already have your own team in place, we’ll work with them as the central point of contact, making sure your estate is structured in an efficient, streamlined way.
+ − Do you work with trusts?
We do advise on trusts if you already have one in place. If you’re looking set up a trust, we’ll start by understanding your needs and helping you figure out whether a trust is, in fact, the most practical option for you. If it isn’t, we’ll help you find a solution better suited to your needs. If it is, we’ll work with a specialist in our partner network to help you set it up and manage it.
If you’re curious about trusts, check out this episode of The Enough Club Podcast where Bryan and Pieter debunk some common myths around them. Watch now.
+ − Do you only work with investments?
Investing is part of what we do at Freedom Financial Planning, but it’s only one part of The Freedom Way™. We also do risk planning, retirement planning and legacy planning, and we help you enjoy your life now.
We believe comprehensive financial planning is the new wealth management. Clients are often keen to skip straight to the investing part. But the difference between jumping on a trend and building true, lasting wealth lies in the seeing the bigger picture.
You first need to understand what you’re investing for. Then you need to create a safe environment for your money to grow. Once you have these in place, you can invest with intention and confidence.
+ − Can you help me invest offshore?
The short answer: Yes, we can. But before we do that, we’ll look at your situation and your needs and help you figure out if offshore investing is actually the right decision for you.
In this episode of the Enough Club Podcast, Bryan and Pieter discuss some of the pitfalls of offshore investing that South African investors often overlook to their detriment. Watch here.
+ − Are you tied to any specific financial products or companies?
Freedom Financial Planning is fully independent. We are not tied to or owned by product providers. We are free to work with the providers who serve our clients best.
Because of our flat-fee revenue model, we are also not incentivised to sell or retain any products.
The advice you get is the advice we believe is best for you. That’s it.
+ − What happens when I request an intro call?
You’ll get a short form to complete (it takes 3 minutes) that gives us a bit of background about what you’re looking for. Then you’ll be invited to book a virtual meeting on Teams.
In the call, we’ll get to know you a bit better, and you’ll have the chance to ask us questions.
If we both feel the partnership is a good fit, we’ll discuss the next steps. If not, we’ll happily refer you to another advisor in our network whom we feel would be a better match.
+ − How do I know if I need a financial planner?
Do you want to know when you can make work optional?
Do you earn well but still fear not having enough?
Do you feel confident you can live the life you want with the money you have without prejudicing your future?
Do you feel guilty for not having a valid, up to date will?
Are you sure you’ll be ok if you fall ill or get injured and are no longer able to earn an income?
If any of this feels familiar, you could benefit from financial planning.