Christo van Zyl - Practice Profile

Transcription

1 Think Efficient. Realise potential. Christo van Zyl - Practice Profile

2 CONTENTS Think Efficient. Realise potential. Introduction Meet Christo van Zyl 3 Meet The Team Christo is assisted by 4 Christo s team is supported by 4 Christo has direct contact with 5 Efficient Wealth Introduction 6 Services and solutions 7 Value proposition 10 Service providers 10 Efficient Structure 13 Sustainability and transformation 14 Corporate governance and compliance 14 Corporate social responsibility 14 Contact us Back

3 MEET CHRISTO VAN ZYL CERTIFIED FINANCIAL PLANNER Christo van Zyl, CERTIFIED FINANCIAL PLANNER Professional, started his career 20 years ago in the financial services industry. After completing his BCom Economics degree, Christo broadened his knowledge of the industry, working with various insurers before becoming an independent financial advisor. Spending time in all major categories of insurance and investments, he has developed an acute understanding of client needs and expectations. Further studies completed include an Advanced Certificate in Taxation (UP). Christo has a unique holistic approach to every client s financial needs. Combining this with current solutions provided by the industry, he appropriately addresses a myriad of diverse needs, requirements and expectations. With this said, his approach is solutions-driven rather than product-driven, as is commonly seen in the industry. This gives clients the advantage of knowing that their risk and investment strategies are in line with the latest financial structures. Honours and Awards + Millionaires Club (2017) - Efficient Wealth + Top Five Advisors (2017) - Efficient Wealth + Millionaires Club (2016) - Efficient Wealth + Top Five Advisors (2016) - Efficient Wealth Utilising the knowledge and experience gained during the past 20 years, Christo has become one of the top financial advisors at Efficient Wealth. He is also a key individual for Efficient Wealth, providing management and oversight over a number of other financial advisors. + Millionaires Club (2015) - Efficient Wealth + Top Five Advisors (2015) - Efficient Wealth + Blue Diamond Award (2014) - Efficient Wealth FPI Accreditation What is a CERTIFIED FINANCIAL PLANNER Professional? The CFP designation is internationally recognised as the benchmark for professional advice. Holders of this designation have met stringent qualification and competency requirements, and abide by unequivocal ethical standards. This means that, not only will you have peace of mind regarding the technical accuracy of the advice, but also the integrity that underpins it. Why work with a CFP Professional? There are many brokers/advisors/consultants in the financial services industry who purport to offer advice. Out of nearly registered representatives licensed with the Financial Services Board, only around 4600 of these are CFP Professionals. With the regulatory landscape of financial matters constantly shifting, and at a time of global financial turmoil, seeking out an expert to navigate you through these uncertain times is vital. Christo van Zyl - Practice Profile 3

4 MEET THE TEAM CHRISTO IS ASSISTED BY Melody Shepherd - Practice Manager e: melody@efw.co.za t: +27 (0) Melody has a certificate in financial products and 4 years experience in the financial services industry. She is interested in acquiring a higher certificate in financial planning and plans on doing so in the near future. As the client s first point of contact, Melody builds a close relationship with each client. She works closely with clients on a daily basis and believes that this is key in addressing clients needs. This forms an integral part of Christo s practice. Melody is dedicated to the success and professionalism of this practice. She manages all levels of service and compliance within the practice by coordinating all processes and liaisons. Melody is also the contact point for all service providers and she ensures that all service levels are adhered to. Nerina Pistorius - Business Support Consultant e: nerina@efw.co.za t: +27 (0) Nerina completed a BCom degree in Investment Management at the University of Pretoria. In her final year of studies, she was elected to compete in the Top 20 CFO case study competition in Financial Management. In this competition delegates were required to propose solutions to a company regarding various financial and non-financial challenges it faced. Nerina plans on writing her CFA level 1 exam in December A passionate and hardworking individual, Nerina adds value to the practice by evaluating clients portfolios and presenting holistic bespoke proposals. She works closely with Melody and the rest of the Efficient team, to address clients needs. CHRISTO S TEAM IS SUPPORTED BY Britta Weidhase National Executive: Operations Mareli Hansen Advisor Liaison Rudi Barnard Managing Director Ernes Smit National Executive: Finance Marietjie van Zyl Business Development Consultant Willem Basson National Executive: Business Development Gretchen Botha Head of Management Information and Commission 4 Christo van Zyl - Practice Profile

5 MEET THE TEAM CHRISTO HAS DIRECT CONTACT WITH Dawie Roodt - Chief Economist of Efficient Group Dawie is a qualified economist. He specialises in government finance (fiscal policy) and monetary policy. The experience gained whilst employed at the Reserve Bank has proven useful in the analysis of economic aggregates. He is frequently quoted and interviewed across a broad spectrum of media, and regularly contributes articles on economic and financial matters in daily and weekend newspapers and financial magazines. Dawie also presents television programmes. He has been a member of the Tax Advisory Committee of the Afrikaanse Handelsinstituut and has represented Business SA at Nedlac. Dawie is enthusiastic about sharing his knowledge and is often invited to present guest lectures at tertiary institutions. Dawie also won the sake 24 Economist of 2015 Award. Robert Walton - Chief Executive Officer of Efficient Invest Robert is a respected pioneer in the financial services industry. His history in the unit trust industry at both Metropolitan and later Momentum spans a period of 14 years. During this time he was the CEO of the collective investment businesses, building an esteemed capability within the industry. Robert graduated from the University of Stellenbosch and he is a qualified CA (SA), an FSB approved category FSP2 Investment Manager, and CIMA (UK) member. He has completed various executive management courses at Harvard (USA), Duke (USA) and Stanford (USA), as well as at the IMD (Swiss). Francois Stofberg - Economist of Efficient Group Francois joined Efficient Group in 2014 as an economist, as the right hand to Chief Economist Dawie Roodt. Currently, he is studying towards a PhD in Economics at the University of Pretoria after completing a MCom Econometrics (cum) laude. He also finished an advanced business certificate at Fordham University, New York. Francois has published on rand exchange forecasting and the economic impact of E-Tolls in respected peer reviewed journals. Before joining Efficient Group, he lectured economics at Kaizen Business School whilst being employed as a financial manager at a green consulting firm. Christo van Zyl - Practice Profile 5

6 EFFICIENT WEALTH INTRODUCTION Established in 1999, Efficient Financial Services (Pty) Ltd, trading as Efficient Wealth, is a subsidiary of Efficient Group Ltd. Our core business entails the delivery of comprehensive financial planning and investment management expertise, for the benefit of individual and corporate clients. This is achieved through the provision of an integrated financial planning solution to appropriately address a myriad of diverse needs, requirements and expectations. providers who enable us to provide financial services and solutions, including: + Financial planning + Investment management + Cash management + Stockbroking + Short-term insurance + Business assurance + Life assurance + Healthcare + Employee benefits + Trust and executorship services We have associations with leading specialised service Our vision is to grow Efficient Wealth into a national financial services distribution business that represents qualified and experienced financial advisors who always act with integrity and are guided by a set of values that confirm Efficient Wealth s devotion to the welfare of our clients. Our mission is to be a truly professional, national financial services distribution business. 6 Christo van Zyl - Practice Profile

7 SERVICES AND SOLUTIONS EFFICIENT WEALTH Financial Planning Our financial planning service aims to accurately assess and understand your immediate and future financial needs from a personal and business perspective. This assessment should incorporate your specific circumstances to ensure that your long-term wishes, goals and objectives are achieved. Efficient Wealth s comprehensive Financial Needs Analysis system affords our highly qualified financial planning force access to world-class technology that is continually enhanced to accommodate the ever changing financial services environment. Our financial planners are selected and appointed based on their educational qualifications, experience and market reputation, and are able to provide our select clients with a comprehensive financial plan that incorporates: + Immediate and future needs planning + Retirement planning + Disability and dreaded disease planning + Estate planning + Estate duty and capital gains tax + Income tax This comprehensive analysis is tailored to each individual client and, together with the structured advice of our financial planner, culminates in a flexible and easily understandable personal financial plan. Investment Management + Investment research and support + A detailed and ongoing risk and needs analysis process + Broad range of approved investment products and services + Personal share portfolios + Unit trust funds + Funds of funds + International investment solutions + Assurance-based investments Cash Management + A single point of contact for all cash management needs + The potential to enhance yields on excess cash + Immediate and easy access to excess cash + Independent and unbiased advice + Money market + Call deposits + Term deposits + Fixed deposits + 32-day notice deposits Stockbroking + Direct and personal access to a professional stockbroker + Access to an industry leading electronic trading platform + Attractive fee structures + Reduced minimum investment levels + Brokerage services + Portfolio management services + Online trading + Specialist independent research + Personal consultations Christo van Zyl - Practice Profile 7

8 SERVICES AND SOLUTIONS EFFICIENT WEALTH Business Assurance + A wide range of insurance options + Independent advice + Personalised breakeven assessments + Ongoing review and relationship management process + Deferred compensation + Preferred compensation + Key person assurance + Buy-and-sell agreements + Contingent liability cover Life Assurance + A wide range of insurance options + Totally independent advice + Personalised breakeven assessments + Ongoing review and relationship management process + Life cover + Disability cover + Dreaded disease cover + Income protection Healthcare + A single point of entry for multiple solutions + Independent and unbiased analysis + Ongoing review and relationship management process + Hospital plan benefit comparisons + Medical aid benefit comparisons + Gap cover + Administrative support Employee Benefits + A single point of access for multiple solutions + Independent and unbiased analysis and advice + Ongoing review and relationship management process + Stand-alone and umbrella funds + A comprehensive range of investment alternatives + A comprehensive comparative analysis regarding risk benefits + Dedicated member training and business consultancy services 8 Christo van Zyl - Practice Profile

9 SERVICES AND SOLUTIONS EFFICIENT WEALTH Short-term Insurance + A single point of entry for multiple solutions + Thorough risk assessments + Annual review and re-pricing process + Personal lines + Home owners and household cover + All risks cover + Personal liability cover + Commercial business cover + Vehicle / fleet cover + Specialist legal liabilities + Contractors all risks + Risk needs analysis Trust and Executorship + A single point of access for all of your fiduciary needs + Establish national brand infrastructure + Negotiable fee structures + Estate and succession planning + Wills consultation and drafting + Testamentary and inter-vivos trusts + Deceased and insolvent estates administration + Secretarial services + Consultation services Christo van Zyl - Practice Profile 9

10 VALUE PROPOSITION FOR MY CLIENTS + + Holistic independent professional advice with the focus on the client + + Complete honesty and integrity + + Availability + + Absolute correlation between strategy and execution, evaluated at regular intervals + + Private client service offering, supported by a network of experts + + Ongoing analysis of legislative environment, new developments and clients changing needs + + Regular feedback and reporting in the format of your choice (electronic/personal) + + Financial Planning Institute accredited Professional Practice SERVICE PROVIDERS AND PARTNERS Risk: Service Providers At Efficient Wealth, we have access to all major South African life assurers. We are thus in a position to ensure that you are provided with a comprehensive range of alternatives. This give you with the freedom to select the most appropriate risk solutions to suit your specific needs. Some of these product providers include: Brightrock Discovery FMI Hollard Liberty Momentum Old Mutual PPS Sanlam 10 Christo van Zyl - Practice Profile

11 SERVICE PROVIDERS AND PARTNERS Investment: Service Providers Efficient Wealth, through its own specialist investment management affiliates and via a wide range of third party investment management specialists, offers a range of investment options to suit the needs of every investor. Our offering incorporates the provision of local and international investments across most asset classes and within a broad range of legal structures, thus catering for compulsory as well as discretionary investment funds. Some of these investment management affiliates include: Allan Gray Cadiz Discovery Efficient Private Clients Glacier Investec Liberty Momentum Naviga PPS Investments SA Stockbrokers Sanlam PPS Old Mutual Medical: Service Providers At Efficient Wealth, we understand that the healthcare industry is becoming more and more complex and is currently supported by hundreds of healthcare service providers. We have, in consultation with some of South Africa s leading healthcare consultancies, developed solutions that will cater to your healthcare assessment and management needs. Some of these healthcare consultancies include: Bonitas Bestmed Discovery Fedhealth Liberty Keyhealth Medihelp Momentum Optivest Profmed Sanlam Stratum Turnberry Xelus Christo van Zyl - Practice Profile 11

12 SERVICE PROVIDERS AND PARTNERS Short-term: Service Providers Through our strategic alliance with one of South Africa s foremost short-term services specialists, Efficient Wealth provides our clients with a comparative analysis of alternative cover options and quotations to accommodate their every need. Some of our short-term service providers include: ABSA Discovery Momentum Santam Professional Network Partners ACT Solutions ACT Solutions is a leading accounting firm since We have helped our clients to build and grow their businesses. We strategise with our clients to thrive through legislative changes, economic difficulties and political challenges. Leaders in accounting, consulting, tax, estates, trusts, forensic, secretarial services and business structuring. Affordable accounting. Excell-Accounting Maximize the financial control over your business and minimize your income tax with monthly, sophisticated yet simple financials, produced in Microsoft Excel Accounting System. Other Services: Company and all other Statutory Registrations, Annual Financial Statements, VAT returns, PAYE returns, UIF returns, Workmen s Compensation Returns, Provisional Tax returns, Income Tax returns, Payroll. Forssman and Partners On an ongoing basis and by keeping up with the latest financial trends, we strive to provide the opportunity to achieve and retain the leading edge in the world today. + + Accounting Services + + Tax Services + + Estate Planning Riaan Eksteen financial services Riaan Eksteen financial services was incorporated in 1990, and commenced full-time operation capacity in As a multi-disciplinary business partner, we are able to provide expert knowledge and offer skills which are not limited to the financial area of commerce, but also include: + + Human resources + + Management information Systems + + Legal aspects + + Market information + + Technical services 12 Christo van Zyl - Practice Profile

13 EFFICIENT GROUP STRUCTURE Christo van Zyl - Practice Profile 13

14 EFFICIENT GROUP SUSTAINABILITY AND TRANSFORMATION Retaining a competitive advantage requires a perfect balance between strategy and execution, process and administration, and value versus cost. We aim to maintain this balance without compromising our values, integrity and ethics. We continuously review our sustainability drivers strategy, processes, people and capital and where practical, we draw on synergies between divisions to develop and implement more efficient and sustainable solutions that capitalise on our company s expertise and infrastructure. We continue to implement strategies to ensure that the company and its subsidiaries meet their respective transformation and Broad-Based Black Economic Empowerment requirements. We are committed to meaningful and sustainable transformation, and regularly review our progress to identify areas for improvement. CORPORATE GOVERNANCE AND COMPLIANCE The Efficient Group is a financial services business. Corporate governance and compliance are key components in our process of delivering financial services and products to clients. Implied in this service offering are a multitude of risks and formalities that we manage in an ethical and prudent manner to ensure the sustainability of our business. Compliance requires much more than merely ensuring that the necessary checks and balances are in place. It is rather a way of doing business, of using regulatory reform to adjust our priorities in line with stakeholder expectations and of creating a competitive advantage based on trust, confidence and pure ethical standards. We have a dedicated compliance department responsible for managing compliance with all legislation applicable to Efficient Group or any of its subsidiaries. Compliance and excellent corporate governance are essential elements in our business and we adhere to the principles of the Code on Corporate Governance as set out in King IV. The Efficient Group and its employees conduct all business affairs with honesty, integrity, accountability and transparency. Our internal Code of Conduct and Ethics Policy is supported by other workplace policies, developed to protect our stakeholders. CORPORATE SOCIAL RESPONSIBILITY Efficient Group is committed to making a contribution to economic and social development through active participation in community enrichment projects. We have formed lasting relationships with several local nonprofit organisations to provide essential resources and services. Our social responsibility program encourages involvement from all employees and we strive to deliver life-changing, sustainable benefits to those in need. 14 Christo van Zyl - Practice Profile

15 Think Efficient. Realise potential.

16 Efficient Financial Services (Pty) Ltd, trading as Efficient Wealth is an authorised financial services provider, FSP 655. Contact us: 81 Dely Road Hazelwood Pretoria 0081 South Africa Tel: +27 (0) Efficient The icon in our logo symbolises the company s ambition for growth and expansion, both for our investors and for our company. Disclaimer: Although every effort has been made to ensure the accuracy of the content of this brochure, Efficient Financial Services (Pty) Ltd trading as Efficient Wealth accepts no liability in respect of any errors or omissions contained herein. The contents of this brochure cannot be construed as financial advice and does not confer any rights whatsoever, enforceable against any party and does not replace any legal contract or policy which may be subject to terms and conditions. Efficient Financial Services (Pty) Ltd trading as Efficient Wealth retains the right to amend any information contained in this brochure at any time and without prior notice.