PFL Financial Advisors
About Us Mayelana Nathi

Plan your path with PFL Indaba Yethu

Plan For Life is a financial service provider that has been operating since 1998. We are primarily focused on the creation and management of wealth assets for our clients. We are passionate about providing a holistic tailor made financial plan for each of clients. Client relationships are at the core of our business and we realise that each client requires a different plan depending on their life stage, We currently operate throughout the country with our HQ located in Umhlanga. Ilogo yethu yesihlahla ihlanganisa ‘indaba yethu’ nokuthi singahlela futhi sikutshale kanjani ikusasa lakho lezezimali. Izimpande zethu zaqala ngesisekelo senkampani ye-PFL eThekwini ngo- 1998. Kusukela lapho abeluleki bethu bezezimali abazinikele kanye nabasebenzi abasisekelayo bazibophezele ezidingweni zezezimali zamakhasimende ethu.

I-PFL ikhule kakhulu eNingizimu Afrika, itholakala e-Richards Bay naseKapa, kany nehhovisi eliwundlunkulu eThekwini. Njengamanje siphethe inani elikhulu lezimpahla zamaklayenti, futhi siyakwazi ukuxoxisana ngamanani ancintisanayo ngenxa yobukhulu bethu. Yize siqhubeka nokuchuma, ukugxila kwethu kuhlala kuzidingo zekhasimende ngalinye.

25 years of experience Iminyaka engu-25 yesipiliyoni
Strive for excellence Lwela ukwenza kahle
Operate throughout South Africa Isebenza eNingizimu Afrika yonke
A business built on honesty and integrity Ibhizinisi elakhelwe phezu kokwethembeka nobuqotho

Get in touch Xhumana

Subscribe to our monthly newsletter. Bhalisela incwadi yethu yezindaba yanyanga zonke.
Our Services
Izinkonzo Zethu

What Solutions We Provide Yiziphi Izixazululo Esizihlinzekayo

RETIREMENT PLANNING

PFL combines the expertise of tax planning and investment strategy, to ensure that the optimal retirement plan is followed. With inflation and taxation increasing with time, this is becoming increasingly important.

UHLELO LOMHLALAPHANSI

I-PFL ihlanganisa ubuchwepheshe bokuhlela intela kanye namasu okutshalwa kwezimali, ukuze kuqinisekiswe ukuthi Kulandelwa uhlelo olufanele lomhlalaphansi. Njengoba ukwehla kwamandla emali kanye nentela kukhula ngokuhamba kwesikhathi, lokhu iya ngokuya ibaluleka.

RISK MANAGEMENT

PFL has partnered with various life assurance companies to offer life assurance, income protection and retirement products. Clients are exposed to various personal and business risks that can have disastrous effects on their financial well-being.

UKUPHATHWA KWEZINGOZI

I-PFL ibambisene nezinkampani ezihlukahlukene zokuqinisekisa ukuphila ukuze zinikeze isiqiniseko sempilo, ukuvikela imali engenayo kanye nemikhiqizo yomhlalaphansi. Amakhasimende achayeka ezingozini ezihlukahlukene zomuntu siqu nezebhizinisi ezingaba nemiphumela eyinhlekelele enhlalakahleni yawo yezezimali.

TAX PLANNING

PFL offers full tax planning incorporated into your financial planning process, covering the areas of:
Income tax
Donations tax
Capital gains tax
Value-added tax
Transfer duty
Estate duty

UKUHLELA INTELA

I-PFL inikeza ukuhlelwa kwentela okugcwele okufakwe ohlelweni lwakho lwezezimali, okuhlanganisa izindawo ze:
Intela yemali engenayo
Intela yeminikelo
Intela yenzuzo enkulu
I-value-added tax
Umsebenzi wokudlulisa
Umsebenzi wezindlu

INVESTMENT PLANNING

Our partnership with some of the best asset managers, both in South Africa and Worldwide, will assist in successful implementation. We align ourselves with fund managers that have a sustainable record, and we identify these managers through a combination of in depth qualitative and quantitative research. Having applied the above philosophy to each of the investment solutions, we have developed strategic asset and portfolio allocations, that with the lowest possible volatility, enable investors to meet their objectives

UHLELO LOKUTSHAYALA

Ukubambisana kwethu nabanye abaphathi bempahla abahamba phambili, eNingizimu Afrika nasemhlabeni wonke, izosiza ekusetshenzisweni ngempumelelo. Sizihlanganisa nabaphathi bezikhwama abanomlando osimeme, futhi siyawahlonza abaphathi ngokusebenzisa inhlanganisela yocwaningo olujulile lwekhwalithi kanye nobuningi. Ngemva kokusebenzisa ifilosofi engenhla esixazululweni ngasinye sokutshala izimali, sesithuthukile Ukwabiwa kwempahla yamasu kanye nephothifoliyo, okuthi ngokuguquguquka okuphansi okungenzeka kuvuleke abatshalizimali ukuze bahlangabezane nezinhloso zabo

ESTATE PLANNING

PFL understands the importance of estate planning and will guide you through the process in protecting your assets at death. PFL will strive to ensure that you and your family enjoy the maximum benefits from your assets during your lifetime, and after your death, to ensure that there are sufficient assets or capital in order to meet the cash flow requirements of the deceased estate, dependants and family, and to give effect to specific requests.

UHLELO LWEZIMALI

I-PFL iyakuqonda ukubaluleka kokuhlelwa kwefa futhi izokuqondisa ohlelweni lwakho ukuvikela impahla yakho ekufeni. I-PFL izolwela ukuqinisekisa ukuthi wena nomndeni wakho nijabulela izinzuzo eziphezulu ezivela eyakho Izimpahla ngesikhathi sokuphila kwakho, nangemva kokufa kwakho, ukuze uqinisekise ukuthi zanele izimpahla noma ikhephithali ukuze kuhlangatshezwane nezidingo zokungena nokuphuma kwemali kwefa elishonile, abondliwayo kanye nomndeni, kanye nokwenza izicelo ezithile zisebenze.

BUSINESS PLANNING

PFL can assist in business planning to ensure that your dependants are financially provided for, in the event that your business partner(s)/associate(s) in the business should die, become disabled or suffer from a dreaded illness. The purpose is also to ensure that your estate will be able to meet any contingency liabilities in the event of the death, disability or dreaded illness of you or your business partner(s).

UHLELO LWEBHIZINISI

I-PFL ingasiza ekuhleleni ibhizinisi ukuze uqinisekise ukuthi abantu obondliwa nguwe bayahlinzekwa ngokwezimali ngoba, uma kwenzeka umlingani/abalingani bakho ebhizinisini befa, ukhubazeke noma uphathwe isifo esesabekayo. Inhloso futhi ukuqinisekisa ukuthi yakho Ifa lizokwazi ukuhlangabezana nanoma yiziphi izikweletu eziphuthumayo uma kwenzeka ushona, ukukhubazeka noma ukugula okwesabekayo kwakho noma umlingani wakho webhizinisi.

HEALTH

In keeping with PFL’s goal of Holistic Financial Planning, we further offer PFL Healthcare.
Our aim is to ensure all clients are correctly and comprehensively covered, so that at claims stage their minds are at ease.

IZEMPILO

Ngokuhambisana nomgomo we-PFL Wokuhlela Okuphelele Kwezezimali, siphinde sinikeze i-PFL Ukunakekela impilo.
Inhloso yethu ukuqinisekisa ukuthi wonke amaklayenti ambozwe ngendlela efanele nangokuphelele, ukuze kuthi izimangalo izingqondo zabo zikhululekile.

INSURANCE SERVICES

As a partner in insuring your personal and business assets, we offer a comprehensive and efficient service, with the knowledge of the type of cover required once a thorough needs analysis has being completed. We deal with all the Major reputable Insurers to seek the best comparative quote without compromising the benefits that are offered.

IZINKONZO ZOMSHUWALENSE

Njengozakwethu ekuqinisekiseni umshwalense wezimpahla zakho zomuntu siqu nezebhizinisi, sinikezela ngemininingwane ebanzi futhi isevisi ephumelelayo, ngolwazi lohlobo lwekhava edingekayo kanye nezidingo eziphelele ukuhlaziya sekuqediwe. Sisebenzelana nabo bonke Abaphathi Bomshwalense Abahlonishwayo ukuze sifune isilinganiso esingcono kakhulu sokuqhathanisa ngaphandle kwalokho ukubeka engcupheni izinzuzo ezinikezwayo.


Your Financial Timeline

Planning your path

Umugqa Wesikhathi Wakho Wezezimali

Ukuhlela indlela yakho

Starting to grow

Age: 20-40

You are establishing and building your career and perhaps starting a family.

You may be looking at:

• Getting married
• First home
• Having children
• Income protection
• Debt management
• Family healthcare
• Business planning

Iqala ukukhula

Ubudala: 20-40

Uyasungula futhi uyakha umsebenzi wakho futhi mhlawumbe uqala umndeni.

Ungase ubheke:

• Ukushada
• Ikhaya lokuqala
• Ukuba nezingane
• Ukuvikela imali engenayo
• Ukuphathwa kwezikweletu
• Ukunakekelwa kwezempilo komndeni
• Ukuhlelwa kwebhizinisi

Establishing roots

Age: 40-50

This is your consolidation stage – achieving a comfortable lifestyle and thinking about managing your long-term future.

Your focus will be on:

• Protection of lifestyle
• Healthcare
• Investments
• Tax management
• Inheritance
• Retirement planning
• Long-term care planning

Isungula izimpande

Iminyaka: 40-50

Lesi isigaba sakho sokuhlanganisa – ukuzuza ukuphila okunethezekile nokucabanga ngokuphatha ikusasa lakho lesikhathi eside.

Ukugxila kwakho kuzoba ku:

• Ukuvikelwa kwendlela yokuphila
• Ukunakekelwa kwezempilo
• Utshalomali
• Ukuphathwa kwentela
• Ifa
• Ukuhlelwa kokuthatha umhlalaphansi
• Ukuhlelwa kokunakekelwa kwesikhathi eside

Pre-retirement

Age: 50-60

With 20 or more years of retirement ahead of you, your priorities will depend on how well you have prepared.

Your concerns may be:

• Protection of assets
• Debt elimination
• Family healthcare
• Helping your children
• Retirement planning
• Wills and trusts
• Business exit strategy

Ukuthatha umhlalaphansi ngaphambi kwesikhathi

Iminyaka: 50-60

Neminyaka engu-20 noma ngaphezulu yokuthatha umhlalaphansi ngaphambi kwakho, okuza kuqala kwakho kuzoncika ekutheni uzilungiselele kahle kangakanani.

Okukukhathazayo kungaba:

• Ukuvikelwa kwempahla
• Ukuqedwa kwesikweletu
• Ukunakekelwa kwezempilo komndeni
• Ukusiza izingane zakho
• Ukuhlelwa kokuthatha umhlalaphansi
• Izincwadi zefa namathemba
• Isu lokuphuma ebhizinisini

Enjoying each day

Age: 60+

This is the time to indulge in hobbies or travel, enjoy your family and prepare for transferring your wealth.

Your focus will be:

• Protection of assets
• Age care planning
• Healthcare
• Inheritance tax mitigation
• Gifting to family
• Preserving your capital
• Estate planning

Ukujabulela usuku ngalunye

Iminyaka: 60+

Lesi isikhathi sokuzitika ezintweni zokuzilibazisa noma ekuhambeni, jabulela umndeni wakho futhi ulungiselele ukudlulisa ingcebo yakho.

Ukugxila kwakho kuzoba:

• Ukuvikelwa kwempahla
• Ukuhlelwa kokunakekelwa kweminyaka
• Ukunakekelwa kwezempilo
• Ukuncishiswa kwentela yefa
• Ukupha umndeni izipho
• Ukugcina imali yakho enkulu
• Ukuhlelwa kwezindlu

Client Value Proposition

Steps to financial freedom

CIsiphakamiso senani leklayenti

Izinyathelo zenkululeko yezezimali

1. An introduction to our professional services

It is our priviledge to introduce Plan for Life’s financial advisory and intermediary services business to you. Our corporate brochure contains our business and licence details as required in terms of the financial Advisory and Intermediary Services Act.

1. ISINGENISO SEZINKONZO ZETHU ZOMSEBENZI

Kuyilungelo lethu ukwethula ibhizinisi lezeluleko lezezimali le-Plan For Life kuwena. Ibhukwana lethu lebhizinisi liqukethe imininingwane yebhizinisi kanye nelayisensi njengoba kudingwa ngokomthetho wezeluleko zezezimali kanye nokuxhumana kwabantu.

2. Gather relevant material client Information

Our value proposition is client-centred and, as a result, we cannot enter into a professional relationship with you if we do not fully understand your financial position, your financial needs and your objectives.

2. SIQOQA ULWAZI OLUFANELEKILE LWEKLAYENTI

Isiphakamiso sethu sevelu sigxile kumakhasimende, ngenxa yalokho ngeke sikwazi ukungena ebudlelwaneni bomsebenzi nawe uma singasiqondi ngokugcwele isimo sakho sezezimali, izidingo zakho zezimali kanye nezinjongo zakho.

3. Define and establish the professional relationship

If we believe we can be of service to you, we will define our professional relationship. In the interest of our clients, all of our professional relationships are defined and established by way of a written client request, client instruction or terms and conditions of engagement.

3. SICHAZA FUTHI SISUNGULE UBUDLELWANO BOBUCHWEPHESHE

Uma sikholwa ukuthi singaba usizo kuwe, sizochaza ubudlelwano bethu bomsebenzi. Ngokwentshisekelo yamakhasimende ethu, bonke ubudlelwano bethu bomsebenzi buchazwa futhi busungulwe ngesicelo esibhaliwe sekhasimende, iziyalezo zekhasimende noma imigomo nemibandela yokusebenzelana.

4. Conduct a financial analysis and design the financial solution(s)

Subject to the terms and conditions of our agreement, we will conduct an analysis and design an independent financial solution based on your financial needs and objectives.

4. SENZA UHLAZIYO LWEZEZIMALI FUTHI UKLANYWE ISIXAZULULO(IZI)

Ngokuya ngemigomo nemibandela yesivumelwano sethu, sizokwenza ukuhlaziya bese siklama isixazululo esizimele sezezimali ngokusekelwe ezidingweni zakho zezezimali kanye nezinjongo zakho.

5. Present our proposed solution

After conducting a financial analysis and preparing a written proposal, we will present our proposed solution to you. During this meeting, our written proposal will be handed to you for your consideration.

5. SETHULA ISIXAZULULO ESIHLONGOZWAYO

Ngemva kokwenza ucwaningo lwezezimali nokulungiselela isiphakamiso esibhaliwe, sizokwethula isisombululo sethu esihlongozwayo kuwe. Phakathi nalo mhlangano, isiphakamiso sethu esibhaliwe sizonikezwa wena ukuze usicabangele.

6. Agreement

If we reach an agreement on the essential terms of the proposal, or we are instructed by you to implement any part of our proposal, the agreement or instruction will be reduced to writing. You will receive a copy of all agreements.

6. ISIVUMELWANO

Uma sifinyelela esivumelwaneni ngemibandela ebalulekile yesiphakamiso, noma siyalwe nguwe ukuthi sisebenzise noma iyiphi ingxenye yesiphakamiso sethu, isivumelwano noma umyalelo uzobhalwa phansi. Uzothola ikhophi yazo zonke izivumelwano.

7. Implement the financial solution(s)

After reaching the agreement, we will implement the solution in accordance with your request or instruction.

7. UKWENZA ISIXAZULULO(IZI) SEZIMALI

Ngemva kokufinyelela isivumelwano, sizosebenzisa isisombululo ngokuvumelana nesicelo sakho noma umyalelo.

8. Monitor the plan

Our value proposition is much more than a once-off financial transaction. The essence of our value proposition lies in our investment in our clients over the long term. This investment includes ongoing monitoring, reporting, advice and quality service. We know that if we take care of our clients, our business will take care of itself.

8. QAPHELA UHLELO

Isiphakamiso sethu senani singaphezu kokwenziwa kanye kwezimali. Ingqikithi yesiphakamiso sethu sevelu ilele ekutshaleni kwethu imali kumakhasimende ethu esikhathini eside. Lokhu kutshalwa kwezimali kubandakanya ukuqapha okuqhubekayo, ukubika, iseluleko kanye nesevisi yekhwalithi. Siyazi ukuthi uma sinakekela amakhasimende ethu, ibhizinisi lethu lizozinakekela ngokwalo.


Our Advisors

Meet Our Team of Advisors

Abeluleki Bethu

Hlangana Nethimba Lethu Labeluleki

Gerrit Bezuidenhout
Gerrit joined Sanlam as Legal adviser 1989. Went into Management from 1992 to 1998 with Sanlam and Momentum. In 1998 Gerrit and Craig Shillaw created PFL. Gerrit holds a LLB degree with Unisa, a Post Graduate Diploma in Financial Planning from UFS and a CFP. UGerrit wajoyina iSanlam njengomeluleki wezomthetho ngo-1989. Wangena ku- Management kusukela ngo-1992 kuya ku- 1998 ne-Sanlam kanye ne-Momentum. Ngo- 1998 uGerrit noCraig Shillaw bakha i-PFL. UGerrit uneziqu ze-LLB e-Unisa, i-Post Graduate Diploma kwi Financial Planning ayithola e-UFS kanye ne-CFP.
Tihan Bezuidenhout
Tihan started his career in 2012 as a Paraplanner for PFL. Over the last years he has gained experience in many areas of Financial Planning, focusing on the areas of personal financial planning and investment management. Tihan holds a Bachelor’s Degree in Commerce from the University of Stellenbosch and a Postgraduate Diploma in Financial Planning from the University of Stellenbosch. Tihan also holds a CFP. U-Tihan waqala umsebenzi wakhe ngo-2012 njenge-Paraplanner ye-PFL. Kule minyaka engu-2 edlule uthole isipiliyoni ezindaweni eziningi zokuhlela kwezezimali, egxile ezindaweni zokuhlelela izimali zomuntu siqu kanye nokuphathwa kokutshalwa kwezimali. U-Tihan uneziqu zeBachelor in Commerce azithola eNyuvesi yaseStellenbosch kanye ne- Postgraduate Diploma kwi Financial Planning ayithola eNyuvesi yaseStellenbosch. U-Tihan naye une-CFP.
Micky Alborough
Micky started her career in Financial Services in 1976 with the NBS Bank. While working as a Financial Planner she reached Executive Financial Planner status in 1984. She joined Plan for Life in 2000 and specializes in the area of personal financial planning, with a well built client base in Durban. UMicky waqala umsebenzi wakhe ku- Financial Services ngo-1976 ne-NBS Bank. Ngesikhathi esebenza njenge-Financial Planner wafinyelela ezingeni le-Executive Financial Planner ngo-1984. Wajoyina i-Plan for Life ngo-2000 futhi wagxila emkhakheni wokuhlelela izimali, kanye nesizinda samakhasimende esakhiwe kahle eThekwini.

Our App Uhlelo lwethu lokusebenza

Managing your financial portfolio has never been so easy Ukuphatha iphothifoliyo yakho yezezimali akukaze kube lula kangako

Not only does our app provide our clients with state of the art automated, customizable and consolidated reporting. It also advises our clients on matters such as cash flow as well as risks and returns with our built in business intelligence tool.

With our elite wealth app we are able to curate a solution to fit your needs and financial requirements making everyday financial tasks a breeze.

If you would like to find out more regarding our app don't hesitate to get in touch.
Uhlelo lwethu lokusebenza alugcini nje ngokuhlinzeka amakhasimende ethu ngesimo sobuciko sokubika okuzenzakalelayo, okwenziwe ngokwezifiso nokuhlanganisiwe. Iphinde yeluleke amakhasimende ethu ezindabeni ezinjengokungena kwemali kanye nezingozi nembuyiselo ngethuluzi lethu lezobunhloli bebhizinisi elakhelwe ngaphakathi.


Uma ungathanda ukuthola okwengeziwe mayelana nohlelo lwethu lokusebenza ungangabazi ukuthintana.


Contact Us

Contact For Any Queries

Xhumana nathi

Xhumana Nanoma Iyiphi Imibuzo