Graeme Fraser

Is our Principal and Managing Member. He has been in the Industry since 1987. He completed the Institute of Life and Pension Advisers qualifying Exams in 1998.

Through  LUASA, he was an Accredited Lifewriter of SA and admitted as a Professional Financial Planner (Laureates) of the Association in 2005. He is a Member of the Financial Intermediaries Association of SA and Chairman of the West Rand Branch and a member of the Financial Planning Executive of the Organisation.

We also provide a comprehensive personal tax service

Provided through GA FRASER & CO, Practice No.: PR-6BFB554 This Service covers all Personal and Provisional Tax Returns. We manage your Tax affairs, attending to the Submission of your Annual & Provisional Tax returns. Our Remuneration is fee based, subject to a Table of  Fees,  which is reviewed annually. We do all submissions through E-Filing

Professional indemnity

We hold Professional Indemnity Insurance through Aon South Africa (Pty) Ltd, Coupon No. I/ALU/06/0333 renewable On the 1 June each year

Our Objective

To provide our existing & potential Clients with an Individual Financial Plan, which covers the Pillars of Personal Financial
Planning.

Our fact finding will cover all aspects of your current financial position, objectives and future plans and will provide you with a detailed plan & proposal on how to implement and maintain the Plan.

Our Services

Personal Financial Planning

•  Estate, Retirement, Tax and Investment  Planning

Life Insurance

• Life and Disability Cover, Endowments, Preservation Funds, Income Protection, Guaranteed Income & Investment Plans, Retirement Annuities, Living & Compulsory Annuities.

Investments

• Unit Trusts, Gilts & Bonds, Fixed Deposits,Unit Linked Investments, Offshore Investments & Money Market Accounts.

Employee Benefits

• Group Life & Disability, Buy & Sell Agreements, Business Investments, Pension & Provident Funds, Key Person, Contingency and Loan Plans.

Personal Insurance

• Household & Car Insurance, Commercial Insurance

Wills & Executor Services

• Drawing up Wills & Intermediary Services in Deceased Estates

Remuneration

Fee based on Personal Financial Planning and Commission based on products through the various insurance companies, subject to client acceptance & approval.

Compliance Officer   

Our Compliance Officers are Masthead Distribution Services (Pty) Ltd, a compliance practice approved by the Financial Services Board.