Estate planning is the collection of preparation tasks that serve to manage an individuals asset base in the event of their incapacitation or death, including the bequest of assets to heirs and the settlement of estate taxes.

Retirement planning is the process of determining retirement income goals and the actions and decisions necessary to achieve those goals. Retirement planning includes identifying sources of income, estimating expenses, implementing a savings strategy and managing assets.

Investment Planning is the the placement of funds into proper investment vehicles. based on the investors future goals, time horizon and priorities. This also takes into account the safety of the investments as well as the liquidity and level of return. Ideally, proper investment planning will allow the investor’s funds to produce financial rewards over time.

Business assurance is the coverage of risk that is certain to materialise at one stage or another. Assurance is similar to insurance except that insurance covers risk that may at some stage materialise yet is never certain to while assurance covers a guaranteed materialisation of a specific risk.

Medical aid is used to insure that an individual is capable of covering medical costs incurred through visits to general practitioners, specialist doctors or hospitals.

Risk Management is the process of identification, analysis and either acceptance or mitigation of uncertainty in investment decision-making. Risk management occurs anytime an investor or fund manager analyses and attempts to quantify the potential for losses in an investment and then takes the appropriate action given their investment objectives and risk tolerance.

Vehicle Insurance is insurance purchased for all categories of vehicles including cars, trucks and motorcycles. The primary use of vehicle insurance is to provide financial protection against physical damage or injury resulting from a traffic collision.

Household Insurance is a form of property insurance designed to protect an individual’s home against damages to the house itself, or to possessions in the house. Household insurance also provides liability coverage against accidents inside the house or on the property.

A personal tax return is the type of tax return filed by an individual. Both single and married taxpayers, with or without dependents, file this type of return.