Why are we licensed? 

  Its to enable FSP's, Financial Service Providers, like ourselves and through my PRACTICE, provide you, our Client , GOOD ADVICE  and to be  HELD ACCOUNTABLE

on all matters financial!!

What are financial matters?

These are everyday things such as Car and House Insurance,  medical aid, and in a wider aspect, such matters as Investments, Insurance, Savings, Retirement planning

but overall my PRACTICE gives you Advice, Guidance and Planning in all matters affected by Personal, Family, Business, Marriage, Divorce etc. and indeed what to do when a loved one dies!

GOOD ADVICE - what does that mean? 

It's not those bad luck stories I hear all the time, from people listening to ADVICE from others, like their Brother-in-Law (nothing against In-Laws) or worse someone in the Pub who  knows someone and it's a sure winner you may as well be at the races! 

OUR PRACTICE is made up of TALENTED and HIGHLY SKILLED Individuals who are trained to give GOOD ADVICE Talk to them and feel secure see Testimonials

BAD ADVICE - what does this mean?

Getting the WRONG advice can be devastating just like BAD ADVICE and may only become apparent much later in your life, maybe, by then, you cannot rectify this BAD ADVICE and have to suffer the consequences because of age you can't recover BAD ADVICE and your unable to put the matter right. 

Peace of Mind - what does this mean?

Take it from our experience only listen to GOOD ADVICE from trained FSP's, you will feel much more secure have less problems later in life. We all know that some of us try to cut corners take too many risks in an attempt to save money. We consider that we always know better we don't seek GOOD ADVICE. Sometimes you get lucky with this strategy it may work but in practice sooner or later it will bite you then you had better have enough savings to get you through. 

Having a FINANCIAL PLAN?

None of us would dream of running a business without a financial Plan, in fact, it may very well go under without one. Knowing this always surprises us, how many PEOPLE do not have a financial plan for their private lives its just not sense to amble through life hope to get it right without one!

Call us, "It could change your life"

Why have FINANCIAL GOALS?

We all have goals, some to loose weight others to retire wealthy and live an invigorating life.

Throughout your life the decision you make will affect your lifestyle today and the future.

Invariably all your decision come with some sort of FINANCIAL implication. That's where we can HELP, lets talk about your plans and immediate problems. Call us,

"It could change your life"

You have arrived at our site looking for INVESTMENT and INSURANCE PRODUCTS and SERVICES   our PRACTICE specialises in providing these services  and what's just as important is: - we are INDEPENDENT-	THE MIDDLE MAN THAT STARTED IT AL L
We work for YOU not the INSTITUTIONS

As Licensed FSP we provide a sounding board for your ideas and add practical  sense and down to earth ADVICE. We all need someone to talk to, so why not a  trained FSP with a lifetime of experience. See what our senior member says about it.

" I, ran my own business for 25 years, in the manufacturing industry. Difficult Industry to be in, but it ran successfully for all those years.  Even more especially, as we operated during the most difficult times in South Africa. So I know, from a "hands on" perspective and learnt a great deal. This has been invaluable and cannot easily be replaced with theories. The pitfalls to look-out for in running a business can be passed on to you our Client providing you with good advice.  I especially like to deal with ENTREPRENEURS who have the guts and determination to do it on their own. Unfortunately they take too many risks but I can pass-on my experience so that they can benefit, and prosper. I have helped many Businessmen and Women through good and bad times. You can count on myself and our "Practice" to help you through I'm also the Chairman of the "Bryanston Brokers Association", where many of my peers get together to further promote GOOD ADVICE to our CLIENTS and provide the BEST SERVICE in our industry. As an Association we liaise with the "Insurance Companies" to provide feedback on the practical aspects of their products. This always places you the CLIENT at the TOP of the list and gets you a better deal. My Clients, large and small have found comfort in my ADVICE and so can you, so, if you want to relax,  knowing that your finances are well looked after, call me!   to your success!   Keith Skelton

Our Clients can't all be wrong!  I challenge you to read their freely given TESTIMONIALS, You be the judge!!!    Word of Mouth, is a huge complement with personal recommendations! It's very, very Powerful!! we're grateful to our Clients that took the trouble to write about us! When your Clients are so happy they want their friends 'IN' on the act, then we know we are achieving and delivering on our promises! I challenge you not to HIRE US!!...just in case you get too happy about the SAVINGS we make and the Growth/Income you take Home!    Engage OUR PRACTICE and see what a difference it will make to you and your Family. I mean that! Our TEAM are dedicated and diligent, they also happen to love what they do!  They're Talented and Gifted Individuals who specialize in COACHING People in FINANCIAL INTELLIGENCE. and You can have it for FREE!

From the Ombudsman Report 2006 “Section 16 (1) of the FAIS Act is premised on the principle that a client being rendered financial services must be able to make informed decisions. Implicit in the concept of an informed decision is the right to choose. In other words in order to make an informed decision on a particular product or service, the client must be able to select from a range of products and services, offered at competitive prices with an assurance of satisfactory quality.” This perspective certainly bodes well for the independent broker who is able to offer his client the required selection but makes one wonder how it will apply to tied agents - how do you offer a client a choice between one? Jokes aside, the bottom line is that the client must be able to make an informed decision based on all the relevant facts; if you can only offer one product, you may not limit the client to this - the client must be made aware that there are alternatives from other product providers. 2. “A provider must obtain appropriate and available information regarding a client’s financial situation, objectives and product experience to enable the provider to provide the client with appropriate advice. The provider must conduct a financial needs analysis based on the information obtained, and then identify the financial product or products that will be appropriate to the client’s risk profile and financial needs.”

In essence, the Ombud is saying that we as Financial Advisors, need to take all of YOUR, the Client, circumstances into account during the advice process. Making of assumptions will NOT be in either of our best interests. Remember the old adage: If you assume you make an ass of u and me. extract from Ombudsman Address