What is personal financial planning?


Personal financial planning covers a wide range of servicess to help people meet their financial goals. This can include creating personal budgets, allocating money towards savings as well as devising measures to get out of debt. Certified financial planners can help establish a suitable financial plan for their clients, whether this includes long-term investments or short-term financial expenses.
 

Do you require a professional financial planner?


Typically, people come to us when something has happened or is about to happen in their lives. They have received a substantial inheritance or settlement. They are selling a family business. They are thinking about retiring. Their family circumstances have changed. This is where our personal financial planners can provide advice on the best way to manage finances.

Sanlam’s starting point for personal financial planning is always the same – a face-to-face conversation to talk about your situation. Our priority is getting to know your individual circumstances and tailoring our advice to your specific requirements. We help you create personal financial plans that meet your goals as well as finding the best ways to protect and grow your wealth.

Ask one of our experts for help with your finances during a free, no obligation video or phone consultation.
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What Sanlam offers:

  • Creation of a personalised financial plan

  • Avoid unnecessary tax expenses

  • Manage your financial plan for inheritance tax

  • Help build up your pension savings

  • Comprehensive insurance solutions

  • Hands-on personal financial planning team

 

What our personal financial planners can help with

  • Tax

    Without a financial plan, tax can have a dramatic impact on your wealth. Yet by using the right strategy, you can avoid unnecessary expenses. We can help you make the most of all your annual allowances and tax-free structures, including ISAs, as well as other government-approved tax-free structures like enterprise investment schemes and venture capital trusts.

  • Pensions

    Your pension can provide you with the financial freedom to enjoy later life without having to worry about money, bills and running out of funds. While you’re working and earning, we can help you build up your pension savings and reach your personal goals with help from the right investment strategy. Then, when you’re ready to retire, we can guide you through the various options for drawing down your benefits.

  • Estate planning

    Our financial planners help you understand the implications of inheritance tax (IHT) on your estate and how to plan accordingly. We work collaboratively with highly qualified external professionals to ensure all the right structures are in place to meet your goals.

  • Family protection

    At Sanlam, we understand that events such as death or illness can take their toll on family life. We help you find the best ways to protect your wealth whatever comes your way. We aim to alleviate the emotional burden by providing comprehensive insurance to protect the interests of you and your family, tailoring our solutions to your needs.

  • Managing your income

    We enable you to take control of your personal income by helping you formulate spending plans and budgets. We are sensitive to the needs of different types of clients, such as those who are recently divorced or retiring soon, and can guide them through what is often a difficult time in their lives.

Clients can access a range of well-researched funds at an affordable price.
Philip Smeaton, Chief Investment Officer

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