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.

 

 

The Difference Between an Independent Financial Advisor and a Broker

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In our previous article, we discussed 5 signs that it’s time to speak to a financial advisor but now you may be wondering what the difference between a financial advisor and a broker is. In this article, we will look at the main differences between these two so that you can understand who you are choosing to look after your portfolio.

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Posted by Gary Walker on Tuesday, September 28, 2021 Views: 118


Is it Time to Speak to a Financial Advisor? Here’s How You Know

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Unless you have a strong financial background which allows you to understand the various markets, investment opportunities, and different savings vehicles, then seeking professional advice from a financial advisor is the best thing you can do for yourself.

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Posted by Gary Walker on Wednesday, September 15, 2021 Views: 135


Questions About Your Retirement that You Should be Asking

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Retirement may seem like it’s a lifetime away, but time has a funny way of moving really fast and before we know it, we are getting used to being at home with no obligation to be anywhere or do anything - blissful retirement after decades of hard work. However, your retirement will be much less blissful if you haven’t planned for it properly.

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Posted by Gary Walker on Monday, August 30, 2021 Views: 216


How to Use Your Tax Refund Wisely – Invest, Don’t Spend!

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Often times, people do not include their tax refund in their budget as they are not sure how much it is going to be, or if they will be receiving a refund at all. Therefore, it’s important that you know how to use your tax refund wisely so that you can improve your overall financial portfolio rather than spending on things you don’t need.

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Posted by Gary Walker on Wednesday, July 28, 2021 Views: 254


Donations Tax in South Africa & Parents Donating Assets or Capital to Their Children

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Many of our baby boomer clients are now considering making donations to their children in the form of property or capital for a deposit on a property. Although this is noble, parents must take into account the rules of donations tax in such situations. In this article, we will look into donations tax and what it means for parents who are helping their children purchase property.

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Posted by Gary Walker on Thursday, July 15, 2021 Views: 497


Everything You Need to Know About Capital Gains Tax in South Africa

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Capital gains tax forms part of income tax and is triggered when you make a profit from selling an asset that you own. The amount of tax payable is calculated according to the profit you made in the sale and not the total amount you sold the asset for.

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Posted by Gary Walker on Wednesday, June 30, 2021 Views: 305


Successful Budgeting and How to Achieve it

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Creating a budget and finding the correct strategy for your monthly budget are the first steps to successful budgeting but could easily mean nothing without ongoing efforts to make sure you stick to, improve, and reassess your budget. Herein lies true budgeting success.

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Posted by Gary Walker on Monday, June 21, 2021 Views: 274


Three Effective Strategies for Successful Budgeting

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What makes your budgeting efforts successful is your ongoing efforts to incorporate strategies that encourage good spending, saving and other budgeting habits.

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Posted by Gary Walker on Tuesday, May 25, 2021 Views: 308


Six Easy Steps to Creating a Personal Budget

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If it’s one thing we know to be true, it’s that without a solid plan in place, you may find yourself moving through a maze, with no end in sight. This is true for everything in life, including your personal finances.

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Posted by Gary Walker on Thursday, May 20, 2021 Views: 367


Steps to Creating an Emergency Fund that Works for You

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An emergency fund will be what saves you from that inevitable rainy day. To be honest, we don’t believe in negative thinking but based on our experience, the rainy-day scenario is a likely one and we should always be fully prepared for it.

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Posted by Gary Walker on Wednesday, April 28, 2021 Views: 358


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