Our Services

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    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.

We follow 3 stages of retirement planning, namely:

  • Planning for retirement
  • Planning at retirement
  • Planning after retirement

By analysing your specific needs and existing retirement provisions currently in place, we are able to determine the necessary steps to be taken to ensure a comfortable retirement.

Please contact us for more information and to find out how we can add value to your current financial situation.

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    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.

There are various risks that clients should be aware of including:

Risks associated with families– this involves the potential loss of income or assets, through sickness or death and personal liability risk.

Risks associated with businesses – this involves the protection of key people in your business, to ensure your business is not negatively impacted by a human capital loss.

Liability risk – this is the risk of being held personally responsible for injury or damage to another person or persons.

Investment risk – the various risks associated with investing.

At PFL we take all these risks into account when developing your financial plan.

Please contact us for more information and to find out how we can add value to your current financial situation.

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    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.

Please contact us for more information and to find out how we can add value to your current financial situation.

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    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

Please contact us for more information and to find out how we can add value to your current financial situation.

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    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 bequests.

Please contact us for more information and to find out how we can add value to your current financial situation.

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    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).

Please contact us for more information and to find out how we can add value to your current financial situation.

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    ACCOUNTING

Providing financial information to our clients in a timely and accurate manner is a commitment that we feel cannot be compromised. Meaningful and well-organised financial records, ensure that your business operations will run more efficiently on a daily basis.

The following is a full range of cost effective accounting services with regards to your monthly management fee:

Monthly bookeeping
Statutory returns : VAT Returns; PAYE/ SDL/ UIF Returns
Computerized Payroll Services

The following relate to services that are outside of the management fee:

Tax Returns:

  • Individual tax returns
  • Company tax returns
  • Tax Clearance

Preparation of Annual Financial Statements

Sole proprietor; Close Corporations; Trusts; NGO’s

Cash Flows

Registration of Close Corporations

Income Tax / VAT Registration

Please contact us for more information and to find out how we can add value to your current financial situation.

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    HEALTH

In keeping with PFL’s goal of Holistic Financial Planning, we further offer PFL Healthcare.

The division is dedicated to:

  • Helping clients find the perfect Scheme and cover for their needs
  • Efficient servicing
  • Supplying true and correct information.

Our aim is to ensure all clients are correctly and comprehensively covered, so that at claims stage their minds are at ease.

The companies we currently offer are:

  • Discovery Health – Medical Aid
  • Profmed – Medical Aid
  • Smile Protector – Offers full dental cover
  • Complimed – Offers products to cover the shortfalls that are found in most Medical Aids.

Please contact us for more information and to find out how we can add value to your current financial situation.

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    PFL INSURE

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.

At PFL Insure we have partnered with some of the leading Short Term providers to ensure you receive the best tailor made policy to suit your current needs.

Our services include:

  • Car and Home insurance

Our Providers:

Please contact us for more information and to find out how we can add value to your current financial situation.