DISCLOSURE NOTICE IN TERMS OF THE FINANCIAL ADVISORY & INTERMEDIARY SERVICES ACT, 2002 (ACT NO. 37 OF 2002) FAIS The Wholistics Planning Group (Pty) Ltd, FSP No. 6741 Ethix Advisory Services (Pty) Ltd, FSP No. 17206 Dear Client We are obliged by the FAIS Act to provide you with detailed information about our businesses. We are authorised to render personal planning solutions, business assurance, wealth management, pension and provident fund services, medical aid planning and short term insurance to different market segments. The Wholistics Planning Group operates under three divisions, namely Execuserv which offers personal financial planning, Ethix, wealth management and Extegrity which offers retirement funds and medical aid advisory and administration services to corporates. These different entities, together under The Wholistics Planning Group, are dedicated to expanding their specialist offerings across our entire Group. Wholistic Planning At The Wholistics Planning Group, we actively integrate planning solutions to achieve effective personal and business outcomes. We achieve this by asking for as much information as possible. At the heart of financial and lifestyle planning lies detailed information analysis and reporting. As such, our planning solutions are backed by thoroughly analysed data as a pre-requisite for best advice and compliance. It is important to note that, results from any analyses are based on the completeness and accuracy of the information provided. If you elect to provide limited information in line with specific objectives, you clearly understand that there will be limitations on advice and solutions provided. Though we prepare all recommendations with due diligence and care, we do not guarantee that your objectives will be met. Recommendations and illustrations take into account many factors which are beyond our control. Overleaf, we provide all our necessary Group information. Your signed acknowledgement letter further confirms your receipt thereof. Yours faithfully, INDEPENDENT FINANCIAL ADVISOR DATE South 29º 82 69 East 31º 01 31 the manor house (west wing) 14 nuttall gardens morningside durban 4001 po box 51237 musgrave road 4062 tel: +27 31 312 4270 fax: +27 31 312 5079 info@wholistics.co.za www.wholistics.co.za The Wholistics Planning Group (Pty) Ltd Reg. no. 1996/008087/07 Directors: Patrick Guerin Thomas Feher Authorised Financial Services Providers (no. 6741 and no. 17206) Compliance email: lpardy@vodamail.co.za
GROUP DETAILS: The Wholistics Planning Group (PTY) Ltd FSP 6741, Registration no. 1996/008087/07 and Ethix Advisory Services (PTY) Ltd FSP 17206, Registration no. 2004/023390/07 REGISTERED ADDRESS: POSTAL ADDRESS: The Manor House (West Wing) P.O. Box 51237 14 Nuttall Gardens Musgrave Road Morningside 4062 Durban Kwa Zulu Natal 4001 Republic of South Africa CONTACT DETAILS: (T) +27(0)31 3124270 (F) +27(0)31 312 5079 Gisellef@wholistics.co.za BANKERS: Nedbank Ltd. (Nedbank Group Limited) Registration no. 1966/010630/06 LICENSE AUTHORITY AND ADVISORY / INTERMEDIARY SERVICES: Long term insurance: Categories A, B1, B2 & C Short term insurance: Category Personal Lines Retail Pension Funds Benefits and Pension Fund Benefits Participatory Interest in Collective Investment Schemes Health Service Benefits provided by Medical Schemes
PROFESSIONAL INDEMNITY: Marsh (Pty) Ltd for The Wholistics Planning Group (Pty) Ltd & Ethix Advisory Services (Pty) Ltd (Section 5: Code of Conduct FSP no. 6741 and FSP no. 17206) COMPLIANCE DETAILS: L Pardy & Associates (PR No. 6507) 4 Vickers Place Virginia 4051 Tel: 031 573 1651 Fax: 086 683 8551 Email: lpardy@vodamail.co.za For: The Wholistics Planning Group (Pty) Ltd & Ethix Advisory Services (Pty) Ltd KEY PRACTICE DISCLOSURES ADVICE We always gather, understand and collate documentation and necessary information to provide professional financial planning outcomes. FINANCIAL INTELLIGENCE In terms of FICA (the Act) we follow strict disclosure principles and obligations to all authorities, wherever applicable or relevant. CONFIDENTIALITY All personal and financial information is kept strictly confidential unless properly authorised by the client or, if a legal responsibility for disclosure exists in terms of the FAIS Act (2002) FEES AND COMMISSIONS We fully disclose to you the nature and amount of all fees and commissions earned, and confirm your authorisation of the same in doing business with you this includes both initial and ongoing advisory fees, as well as any FSP charges and costs related to your solutions. GIFTS We place on record that the business and employees do receive gifts of appreciation and recognition from time to time from both clients and suppliers. These gifts are fully recorded in a gift registry which is available at all times for inspection and compliance. INDEPENDENCE All our shareholders, Directors and employees hold no shares directly in any financial services company that directly or indirectly services our Group or its various entities.
OUR ACTIVITIES Personal Financial Planning - Advice, solutions and ongoing administration Private Wealth Management - Recommendations and asset focus Employee Benefits Solutions - Group life, Disability and Retirement Schemes Health Services Benefits - Medical aid solutions and administration Short-Term Insurance - Personal domestic and gap cover solutions Business Assurance - All facets of partnership, keyman and liability cover Estate Planning - Legacy, wills, trusts, personal and business planning
FINANCIAL SERVICES PROVIDERS: Allan Gray Bestmed Medical Aid Cadiz Asset Management Complimed Altrisk Life Insurance Boutique Collective Investments (BCI) Capital Alliance Group Risk Discovery Health Medical Scheme Discovery Life Fairbairn Private Bank (IOM) Limited Discovery Life Group Benefits FedGroup Fedhealth Medical Scheme Glacier Financial Solutions Glacier International Hollard Investec Asset Management Investec GSF Ltd Investec Private Bank Liberty Life Corporate Benefits Liberty Health Medical Scheme Liberty Life Group Marriott Investments (Old Mutual) Metropolitan Life Medshield Medical Scheme Metropolitan Odyssey Momentum Employee Benefits Momentum Life Momentum Health Momentum Wealth Nedgroup Investments Old Mutual Guernsey Old Mutual Investment Group Old Mutual Employee Benefits Old Mutual Life Portfolio Metrix (Pty) Ltd Professional Provident Society Resolution Health Medical Scheme Profmed Medical Aid Scheme RL360 Sanlam Employee Benefits Sanlam Investments Sanlam Life Insurance Company Sizwe Medical Fund Stanlib Stratum Gap Scheme Sygnia Life Limited Mauritius Thetani Dental Risk Scheme Thethani Financial Services Turnberry Management Risk Solutions Zestlife
INDEPENDENT FINANCIAL ADVISORS: Financial Advisor Identity Number Feher, Thomas 5305205122086 Girdherlal, Serina CFP 8807270253081 Guerin, Patrick CFP 7108185087081 Ngcobo, Nosipho (under supervision) 8806090026081 Sukdeo, Mishantha 8709180259085 COMPLAINTS In the event that you are dissatisfied with our service, we request you address your complaint in writing to us. A copy of our Complaints Resolution Policy is available on request. Should the complaint not be resolved to your satisfaction, you may forward such complaint to the Ombud for Financial Services Providers. You will need to show that you have already attempted to resolve the matter directly with us first. The relevant details for the various Ombuds are: Ombudsman Long term insurance: Private Bag X45, Claremont, 7735 Telephone: 021 674 0330 Fax: 021 674 0951 Email: info@ombud.co.za Ombudsman Financial Services (FAIS): P.O. Box 74571, Lynnwood Ridge, 0040 Telephone: 012 470 9080 Fax: 012 348 3447 Toll free: 0860 324 766 Email: info@faisombud.co.za Website: www.faisombud.co.za
Financial Services Board FSB: P.O. Box 35655, Menlo Park, 0102 Telephone: 012 428 8000 Fax: 012 346 6941 Toll free: 0800 110 443 Email: info@fsb.co.za Website: www.fsb.co.za Council of Medical Schemes: Private Bag X34 Hatfield 0028 Telephone: 0861 123 267 Fax: 012 431 0608 Email:complaints@medicalschemes.com Website: www.medicalschemes.com