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AFSAFIN Financial Planning

To be successful and achieve a result in any project in life, you need a Plan! If you want to build your dream house, you will enlist the services of an architect who will provide you with a plan. Do you want to start a Business? – You will need a plan.

The Problem comes when you have no plan in place – then you are busy building castles in the air.

“No plan can work without a properly executed comprehensive financial plan. When you are on top of your financial plan all your other plans have a greater likelihood of being successful. It is that simple.”

Without money no plan will work. So you need to start with your financial plan first and foremost.
We help our clients achieve their financial goals by taking a personalised approach to your financial situation. Our specialists listen to your dreams and goals, create a personalised financial plan, and monitor your progress over time whilst recommending changes as needed.

Start by completing our Financial Confidence Questionnaire

There are two concepts to a RISK and ESTATE PLAN. The first concept is eliminating RISK and the second concept is protecting and minimizing costs in a deceased ESTATE. This includes planning for the even distribution of assets and preventing unnecessary costs in an estate. It is therefore important to adhere to a comprehensive, dynamic estate plan. This PLAN is the first and most important plan in the financial planning process, as no plan will come to fruition if death, or disability happens unexpectedly.

“You Plan for retirement and wealth creation. You do not actively plan to die, become disabled or contract a dread disease. It just happens. And when it does you need to be prepared”

Budgeting is the process of creating a plan on how to spend your money. Analysing your budget plan gives us insight into where your income is coming from and how you are spending it. If you are spending your money on bad debt items like credit cards, overdrafts, and personal loans you will be forever prevented from creating your own wealth.

Whilst spending your money on good debt for example bonds etc., or carefully structured and strategic investments you can be on your way to create your own wealth.

Before you can enter into a plan of debt elimination you need to ensure you actively provide for an emergency fund which should have between 3-6 months of salary in it. There are a number of ways on how to plan for the loss of a job, depleted hospital funds etc.​

If during your Budget Planning Session, it is determined that you do have bad debt, we will firstly assist you through our debt redemption planning processes where we will show you how to eliminate your bad debt in the most sensible and shortest period of time.

“The point is you need to be free of your bad debt before you can move forward to create your own wealth. It does not make sense to invest money when you are struggling under the burden of bad debt”

Our results and monitoring processes will keep you motivated to dump your bad debt one debt at a time.

Budgeting is the process of creating a plan on how to spend your money. Analysing your budget plan gives us insight into where your income is coming from and how you are spending it. If you are spending your money on bad debt items like credit cards, overdrafts, and personal loans you will be forever prevented from creating your own wealth.

Whilst spending your money on good debt for example mortgages etc., or carefully structured and strategic investments you can be on your way to create your own wealth.

Before you can enter into a plan of debt elimination you need to ensure you actively provide for an emergency fund which should have between 3-6 months of salary in it. There are a number of ways on how to plan for the loss of a job, depleted hospital funds etc.

There are two concepts to a RISK and ESTATE PLAN. The first concept is eliminating RISK and the second concept is protecting and minimizing costs in a deceased ESTATE. This includes planning for the even distribution of assets and preventing unnecessary costs in an estate. It is therefore important to adhere to a comprehensive, dynamic estate plan. This PLAN is the first and most important plan in the financial planning process, as no plan will come to fruition if death, or disability happens unexpectedly.

“You Plan for retirement and wealth creation. You do not actively plan to die, become disabled or contract a dread disease. It just happens. And when it does you need to be prepared”