no hidden fees, only transparency

Services

At Financial Wellness Coach, we believe that everyone deserves clarity in their financial journey, which is why our services and fees are built on a foundation of transparency and fairness.

OUR OUTCOMES How Can We Help You?

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SERVICE 1

Helping you invest your money wisely

Your investments need to be well structured in order to meet your short-, medium- and long-term goals.   We use the following model:

Term Duration Investment approach Max Equity  Targeted Return
Short < 2 years Conservative 20% Fixed Income index + 1%
Medium 2 to 5 years Moderate 50% Inflation + 4%
Long 5 years + Moderate Aggressive 75% Inflation + 6%

Factors we look at when constructing your investment portfolio include ensuring that:

  • It can handle challenging times
  • It can take advantage of growth opportunities
  • The costs are kept to a minimum
  • Any taxes paid are kept to a minimum
  • We have the right mix of local and offshore assets.

We make use of financial planning software and one of the packages that we use is asset map.  Here is a video which shows how this can help you better understand your finances. Asset Map video

    SERVICE 2

    Helping you ensure that you have enough money when you retire

    We will help you plan for your retirement by doing the following:

    • help you calculate how much are you going to need each month when you retire
    • help you calculate how much of this monthly amount your current retirement savings will meet
    • we will then help you put in place a tax efficient investment plan in order to close this gap.

    We make use of special financial planning software and will run various scenarios for you to help you understand the impact of:

    • early or late retirement
    • the selling of different assets to meet your retirement needs

    All of this to help you find that sweet spot where:

    • your money will last for the rest of your life
    • you pay the least amount of tax
    • any estate duty is minimized

    We provide benefit counselling to pension and provident funds, as well as run workshops and webinars on retirement planning.

      SERVICE 3

      Helping you convert your assets into a tax-efficient and sustainable income stream when you retire

      When you retire, you need to convert your assets into an income stream. The decisions you make here are very important and can have a major impact on your financial wellness in years to come if you do not get the right structures in place.

      We will help you make the right ones in terms of:

      • what lump sum to take
      • what type of annuity to take
      • what portfolios you should be investing in in order to get the best returns at the right level of risk
      • how to structure your various investments and drawdowns in order to pay the least amount of income tax
      • how to ensure that you do not run out of money
      • how to use your retirement funds to avoid paying estate duty

        SERVICE 4

        Ensuring that you have a well-planned estate and do not pay any unnecessary fees and taxes

        When you pass away, your estate will typically pay around R1 million in estate duty for every R5 million in assets that you have.  With a bit of planning, this amount is able to be reduced.

        By structuring your assets ahead of time, you can ensure that the tax man receives less and your family receives more.  I am a co-presenter of a course on estate planning at UCT and am familiar with the many opportunities that exist to reduce this tax.

        There are three big costs when you pass away:

        • estate duty
        • capital gains tax
        • executor fees

        We will analyse your estate as if you had passed away and calculate these various costs. We then run the numbers and create an action plan to be implemented to reduce these amounts. Just a bit of clever planning can make a massive difference to the financial wellness of your loved ones

         

          SERVICE 5

          Ensuring that you have a robust will in place

          It is important that you have a solid will in place.  There should be no grey areas which could lead to the wrapping up of your estate taking a long time.  

          If you have offshore assets that are not in a structure where beneficiaries are attached, then you should have and offshore will. We can be of assistance here and facilitate the drafting of a robust will for you.

            SERVICE 6

            Protecting your ability to earn an income

            What will happen to you and your family if you are unable to work ever again?  You must ensure that you and your family remain on the same financial trajectory that you are currently on even if you are unable to work. 

            We can put solutions in place that will ensure that you continue to receive an income until you reach retirement, should you not be able to work. You can get this even if you have your own company or earn a living through a number of side gigs/odd jobs.

              SERVICE 7

              Protecting you from massive medical costs

              We are living a lot longer and the chances of getting a serious illness and surviving it are good. The problem here is that it comes at a cost.

              Besides the financial impact of not being able to work at full strength while you are sick and recovering, there will also be costs that your medical aid and gap cover do not meet. These costs can be quite large, and I have seen people having to take out additional loans to keep afloat.

              There are simple solutions that can easily remove this risk, which we can explore and tailor to your specific scenario.

                OUR FEES Personal Financial Planning Fees

                BOOK A
                CONSULTATION

                We are completely independent, registered with the FSCA and are accredited to do business with the top-rated financial companies.

                Our compliance and professional indemnity insurances are provided by Succession Financial Planning (FSP number 41158) which is one of the biggest independent financial planning groups in South Africa.

                 

                Awards (2025)

                • We were ranked by Citywire as being one of the Top 50 Independent Financial Advisers in South Africa.
                • Our practice was recently awarded the title of Best Financial Planning practice in South Africa.

                 

                Our approach

                We are financial planners first and foremost and favour an holistic approach. Part of this approach is to have an initial fact-finding meeting where we chat about your needs and explore whether we can add value. There is no charge for this.

                We conduct a financial needs analysis and set up a personalized asset map for you. This helps us understand what you need and what solutions we should be considering. We will give you a plan and will help you implement it.

                You will not get someone harassing you to buy a particular product.

                 

                Financial Planning Fees

                We are not in favour of high upfront commissions; our approach is to look after your assets over the long term and help you grow your wealth, and the fees are structured accordingly.

                 

                Investment fees

                There are two sets of fees when it comes to an investment: initial and recurring (see more below).

                OUR FEES Initial Fees

                These cover some of the costs of doing the analysis, researching options, making the recommendations and setting up the investment. As we are looking for a long-term relationship, we have discounted the initial fees with a view to recouping the costs over time through the investment growth.

                Portfolio Size

                Below 15m

                Industry Fee

                3% to 5%

                What We Charge

                0.5%

                Portfolio Size

                R15m-R50m

                Industry Fee

                3% to 5%

                What We Charge

                0.25%

                Portfolio Size

                Over 50m

                Industry Fee

                3% to 5%

                What We Charge

                Negotiable

                OUR FEES Recurring Fees

                These fees cover the cost of ensuring that your financial plan is on track and that the investments are delivering what they need to deliver in terms of your financial strategy. If any changes are needed, we will do the necessary research, make and implement the recommendations.

                Portfolio Size

                Below 15m

                Industry Fee

                1%

                What We Charge

                0.75%

                Portfolio Size

                R15m-R50m

                Industry Fee

                1%

                What We Charge

                0.4%

                Portfolio Size

                Over 50m

                Industry Fee

                1%

                What We Charge

                Negotiable

                WHAT OUR CUSTOMERS SAY Our Testimonials

                Hilde
                "Thank you so very much for your excellent advice and guidance and your warm caring service always. May God bless you"
                "Thank you so very much for your excellent advice and guidance and your warm caring service always. May God bless you"
                Hilde
                Gillian
                “Sound knowledge, qualified, astute, insightful with decades of industry experience.”
                “Sound knowledge, qualified, astute, insightful with decades of industry experience.”
                Gillian
                Kaveer
                “Kenny’s insight, extensive knowledge and his ability to identify and capitalise on issues, trends and uncertainty in the financial services industry is unsurpassed. A great mentor, life student and all round good guy ”
                “Kenny’s insight, extensive knowledge and his ability to identify and capitalise on issues, trends and uncertainty in the financial services industry is unsurpassed. A great mentor, life student and all round good guy”
                Kaveer
                Ruan
                “Kenny is an financial savant. He knows more that most people I know, and can explain it all in plain English. He is accessible as an advisor and empathetic as a human being to the the challenges faced by everyday people. Kenny Meiring is what safe...
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                “Kenny is an financial savant. He knows more that most people I know, and can explain it all in plain English. He is accessible as an advisor and empathetic as a human being to the the challenges faced by everyday people. Kenny Meiring is what safe looks like. I trust him with my life.”
                Ruan
                Clinton
                “Kenny has the unique ability to think both as a left brained and right brained individual. In the marketing world within the financial services industry that is invaluable.”
                “Kenny has the unique ability to think both as a left brained and right brained individual. In the marketing world within the financial services industry that is invaluable.”
                Clinton
                George
                “Professional thorough review of current financial situation and also planning for future. His vast experience in the financial sector can only be a big asset to future clients.”
                “Professional thorough review of current financial situation and also planning for future. His vast experience in the financial sector can only be a big asset to future clients.”
                George

                PARTNERS Who we work with

                PUBLICATIONS Where we have been featured

                CONTACT Get in touch with us today

                CONTACT DETAILS

                17 Stepping Stones Road, Everglen, Cape Town, Western Cape, 7550, South Africa

                +27 82 856 0348

                kenny@financialwellnesscoach.co.za

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