Making better choices
is not always this easy

 

Financial Planning Services

We are independent Financial Planners

The difference between where we are (current status) and where we want to be (vision and goals) is what we do (target objectives and action plans).

The process of setting goals helps you choose where you want to go in life. By knowing precisely what you want to achieve, you know where you have to concentrate your efforts. You'll also quickly spot the distractions that would otherwise lure you from your course.

Our financial planners work out holistic financial plans for individuals in their private capacity as well as corporate clients.

Approach to Financial Planning

Some of the aspects that are covered during our financial planning include:

  • Debt Consolidation/ Elimination
  • Insurance and Health Planning
  • Investment Planning
  • Estate Planning
  • Retirement Planning (Pre, post and during retirement)
  • Tax Advice
  • Money Personality Profiling

Financial Planning Process

This approach to Financial planning provides clients with:

  • Financial solutions which are driven by your personal values and lifestyle goals
  • We use an internationally recognised and accepted methodology
  • We align your assurance and investment portfolios with your lifestyle goals
  • We monitor your progress and make adjustments where necessary to help you achieve your lifestyle goals

Olemera Financial Planners in Johannesburg

Contact our financial planners in Johannesburg for expert financial planning advice and assistance.

 

 

Business Financial Planning in South Africa

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Financial planning in business is not only about reacting to immediate financial concerns but also about preparing for the future. Whether it’s ensuring the company has adequate business insurance, planning for leadership transitions, or investing in wealth management strategies, every decision should be made with sustainability in mind.

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Posted by Gary Walker on Wednesday, February 19, 2025 Views: 41

Your Ultimate Tax Planning Guide

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South Africa’s tax system is regulated by SARS, which oversees the collection of taxes and ensures compliance with the law. Every individual and business earning income within South Africa is required to contribute, based on specific rules that determine their tax obligations.

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Posted by Gary Walker on Wednesday, January 29, 2025 Views: 183

Budgeting For Christmas – How Not to Go into Debt Over the Festive Season

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The festive season can be a time of financial strain as the pressure to spend on gifts, meals, and decorations mounts. Practicing effective budgeting for Christmas is essential to ensure you enjoy the season without sacrificing your financial stability or going into unnecessary debt.

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Posted by Gary Walker on Wednesday, December 4, 2024 Views: 397

Your Guide to Retirement Planning in South Africa

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The goal of retirement planning is to ensure that you have enough resources to support yourself and maintain your quality of life throughout your retirement years. Without a solid plan, many retirees risk outliving their savings or facing unexpected financial challenges.

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Posted by Gary Walker on Saturday, November 16, 2024 Views: 641

Liquidity Planning and Financial Planning in South Africa

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Liquidity in financial planning refers to the availability of cash or assets that can be quickly converted into cash without significantly reducing their value. This concept is essential for meeting short-term financial obligations and ensuring cash flow.

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Posted by Gary Walker on Tuesday, October 15, 2024 Views: 585

Estate Planning in South Africa - The Do’s and Don’ts

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Estate planning is a complex process that requires careful consideration and attention to detail. Even with the best intentions, it’s easy to make mistakes that can lead to unintended consequences, such as disputes among heirs, unnecessary taxes, or the mismanagement of assets.

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Posted by Gary Walker on Thursday, September 19, 2024 Views: 713

A Comprehensive Guide to Estate Planning in South Africa

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The key purpose of estate planning is to ensure that your estate is distributed according to your wishes and that your loved ones are taken care of after your passing. It also involves planning to reduce taxes, legal fees, and court costs.

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Posted by Gary Walker on Wednesday, August 21, 2024 Views: 1985

Personal Financial Planning - A Comprehensive Guide

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Personal financial planning is the process of managing your financial resources to achieve your life goals. This includes budgeting, managing cash flow, planning for retirement, saving and investing, handling taxes, protecting against risks, and preparing for major life events such as education and estate planning.

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Posted by Gary Walker on Wednesday, July 24, 2024 Views: 1054

Understanding Retirement Benefits in South Africa

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Retirement planning is a critical aspect of securing a comfortable and financially stable future. In South Africa, there are various retirement benefits designed to help individuals save for their retirement years.

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Posted by Gary Walker on Tuesday, June 25, 2024 Views: 2191

The Basics of Retirement Planning in South Africa

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Planning for retirement is a crucial aspect of financial security, ensuring you have the means to maintain your lifestyle and cover essential expenses in your later years. In South Africa, understanding the various components of retirement planning can help you make informed decisions that safeguard your future.

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Posted by Gary Walker on Tuesday, June 11, 2024 Views: 1036