Making better choices
is not always this easy

 

Financial Planning Services

We are independent Financial Planners

The difference between where we are (current status) and where we want to be (vision and goals) is what we do (target objectives and action plans).

The process of setting goals helps you choose where you want to go in life. By knowing precisely what you want to achieve, you know where you have to concentrate your efforts. You'll also quickly spot the distractions that would otherwise lure you from your course.

Our financial planners work out holistic financial plans for individuals in their private capacity as well as corporate clients.

Approach to Financial Planning

Some of the aspects that are covered during our financial planning include:

  • Debt Consolidation/ Elimination
  • Insurance and Health Planning
  • Investment Planning
  • Estate Planning
  • Retirement Planning (Pre, post and during retirement)
  • Tax Advice
  • Money Personality Profiling

Financial Planning Process

This approach to Financial planning provides clients with:

  • Financial solutions which are driven by your personal values and lifestyle goals
  • We use an internationally recognised and accepted methodology
  • We align your assurance and investment portfolios with your lifestyle goals
  • We monitor your progress and make adjustments where necessary to help you achieve your lifestyle goals

Olemera Financial Planners in Johannesburg

Contact our financial planners in Johannesburg for expert financial planning advice and assistance.

 

 

Inheritance Tax and Beneficiary Rights in South Africa

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In South Africa, "inheritance tax" is a term commonly used to refer to estate duty, a tax levied on the property of deceased persons. However, it's important to note that the financial implications don't stop there. Other taxes, such as Capital Gains Tax (CGT), and concepts like death duties, also play critical roles in the financial landscape of inheritance.

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Posted by Gary Walker on Thursday, March 28, 2024 Views: 270

Estate Planning in South Africa – What You Need to Know

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When it comes to safeguarding the well-being of our loved ones and ensuring our legacy endures, estate planning is a crucial step that cannot be avoided. In South Africa, where the fabric of society is woven with strong familial ties and a deep sense of legacy, the importance of estate planning becomes even more pronounced.

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Posted by Gary Walker on Wednesday, March 13, 2024 Views: 263

8 Powerful Cashflow Management Tips for Businesses

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At its core, cashflow represents the lifeblood of any business. It's the movement of money in and out of your company's wallet. Think of it as tracking every rand that dances through your business, from the payments received for your services or products to the money spent on expenses like rent, salaries, and supplies.

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Posted by Gary Walker on Wednesday, February 21, 2024 Views: 390

Financial Planning Strategies for Business Owners in 2024

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By integrating financial and strategic planning, businesses can not only avoid risks but also identify and seize opportunities for growth. This proactive approach to financial planning for businesses ensures they are well-positioned to adapt and thrive, regardless of economic headwinds.

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Posted by Gary Walker on Saturday, February 10, 2024 Views: 138

Six Essential Ratios to Monitor for Business Enhancement

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By providing acquirers with these detailed ratios, you make your business more attractive for acquisition. These ratios offer a comprehensive, data-driven view of your company's operational efficiency and potential for growth.

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Posted by Gary Walker on Thursday, December 28, 2023 Views: 354

Revitalizing Your Business with Systems (While Keeping It Engaging)

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Have you ever realized that your most innovative ideas often come when you're in the shower? That's because it's a familiar task, giving your mind a few minutes of free space to wander. Similarly, when employees are provided with specialized systems for routine tasks, they experience this same kind of mental freedom.

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Posted by Gary Walker on Monday, December 18, 2023 Views: 259

New Year, New Budget – Crafting a Financial Plan for 2024

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As the new year approaches, it's the perfect time to create a fresh financial plan. A well-crafted budget can help you manage your money effectively, reach your financial goals, and reduce stress about finances.

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Posted by Gary Walker on Wednesday, December 13, 2023 Views: 787

8 Steps to Setting Your Financial Goals

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Before setting any financial goals, it's important to understand what truly matters to you. Reflect on your personal values and priorities. Your financial goals should align with these core values to ensure they are meaningful and motivating.

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Posted by Gary Walker on Tuesday, December 5, 2023 Views: 318

The Most Effective Method to Elevate Your Business's Value

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In the business world, focusing on increasing EBITDA is a strategy with a near-certain return. This is because companies are often valued based on a multiple of their EBITDA, making every additional dollar of profit significantly impactful.

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Posted by Gary Walker on Thursday, November 30, 2023 Views: 348

The Hidden Metric That Could Revolutionize Your Company's Value

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A robust gross margin is often seen as an indicator of long-term sustainability and attractiveness. Conversely, a declining gross margin might signal price competition, lack of unique value proposition, and vulnerability to competitive threats.

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Posted by Gary Walker on Tuesday, November 21, 2023 Views: 289