Individual
Individual Financial Planning
Your Roadmap to Financial Security
Financial planning is about taking control of your future with expert guidance to achieve your personal goals. Through a structured process starting with understanding your needs, analyzing your financial status, and developing tailored strategies your advisor helps create a roadmap for success.
With ongoing reviews and adjustments, your plan evolves with your life, ensuring financial security, growth, and peace of mind at every stage.
Risk Cover
Protecting What Matters Most
Life is unpredictable, and risk cover ensures that you and your loved ones are financially secure in the face of unexpected challenges. Whether it’s loss of income, disability, critical illness, or the unforeseen passing of a loved one, having the right protection in place provides peace of mind and financial stability. With tailored Liberty solutions, you can safeguard your future, ensuring that you’re covered when life takes an unexpected turn.
With tailored risk mitigation solutions, you can safeguard your future, ensuring that you’re covered when life takes an unexpected turn.
Life Protection
Ensure your loved ones are financially secure when you’re no longer there to provide. Liberty’s Life Protection offers tailored cover that provides a lump sum payout, helping your family maintain their lifestyle and meet future financial needs.
Income Protection
Keep your income secure, even if life takes an unexpected turn. Liberty’s Income Protection ensures you continue to receive financial support if illness, injury, or disability prevents you from working, so you can focus on recovery without financial stress.
Disability Cover
Safeguard your financial independence with Liberty’s Disability Cover, providing a payout if you’re permanently unable to work due to disability. Whether it’s adapting to new circumstances or covering future expenses, you’ll have the financial support you need.
Critical Illness Cover
A serious illness shouldn’t derail your financial future. Liberty’s Critical Illness Cover helps you manage medical costs and lifestyle adjustments with a lump sum payout, so you can focus on recovery with peace of mind.
Investments
Build Your Wealth, Shape Your Future
The best time to invest was yesterday the second-best time is now. By making smart investment decisions today, you’re laying the foundation for financial freedom in the future. Whether you’re just starting out or growing your portfolio, our tailored solutions including unit trusts, tax-free savings, and discretionary investments help you maximize your returns.
Investing now means securing the life you want, long before retirement knocks on your door.
Retirement
Secure Tomorrow, Live Fully Today
Retirement isn’t an age it’s a financial position. Too many South Africans find themselves unable to retire comfortably, but with the right planning, your golden years can be truly golden. Our retirement solutions, from preservation funds to annuities and retirement savings plans, ensure that the wealth you build today supports the life you want tomorrow.
The earlier you start, the better your future looks so let’s make it count!
Medical Aid
Navigating Healthcare with Confidence
Choosing the right medical aid can be overwhelming, but with Envestpro, you don’t have to do it alone. Our expert brokers simplify the process, helping you select the best plan for your health needs and budget while ensuring you’re covered when it matters most. We also provide ongoing support, assist with claims, and offer additional solutions like gap cover to protect you from unexpected medical costs.
Whether it’s reviewing your plan, adapting to life changes, or maximizing your benefits, we’re here to make sure you and your family get the healthcare you deserve without the stress.
Short-Term Insurance
Short-Term Insurance: Protecting Your Everyday Life
Life happens, but with the right cover, you’re always prepared. Envestpro’s short-term insurance solutions safeguard your home, vehicles, valuables, and more against life’s unexpected moments. Whether it’s building and home contents insurance, vehicle cover, portable item protection, or liability insurance, we tailor solutions to keep you financially secure.
Plus, with home and roadside assistance and exclusive executive cover, you get peace of mind knowing you’re protected anytime, anywhere.
Wills & Estates
Securing Your Legacy
A will isn’t just a legal document it’s a way to protect your loved ones and ensure your assets are distributed according to your wishes. Without proper estate planning, your wealth may not go where you intended, creating unnecessary stress for your family. At Envestpro, we help you draft wills, set up trusts, and manage estate administration, ensuring your legacy is secure, legally sound, and efficiently executed.
Will Drafting
A professionally drafted will ensures your assets are distributed according to your wishes, preventing legal disputes and unintended consequences. Our consultants provide expert guidance, ensuring compliance, clarity, and protection for minor children.
Trust Creation
Setting up a trust safeguards your assets and provides structured financial management for future generations. We create tailored trust deeds that ensure legal protection, controlled asset distribution, and continued involvement in managing your wealth.
Trust Administration
Effective trust management is key to securing your estate. Our services include secure document storage, electronic signing platforms, and transparent oversight, ensuring your trust is professionally administered and legally compliant.
FAQs
Whether you’re planning for the future or navigating a major life change, understanding the financial decisions that shape your personal journey is essential. These FAQs offer insight into the key considerations for building long-term security and confidence.
1. What is the value of "Individual Planning”?
Individual Planning provides you a tailored financial solution, designed around your individual goals, whether it’s buying a home, securing your child’s education or retiring comfortably, we can provide you with a clear roadmap to achieve these objectives.
2. I already have a personal savings account, why do I need a financial advisor?
We’re glad to hear you are taking your finances seriously, and a personal savings account is a great start. But did you know saving is different from investing? Let one of our advisers show you the difference and introduce you to the many investment solutions that could provide real inflation beating returns over time. By aligning these investment solutions to your risk tolerance, we can assist you in reaching your goals through proven strategies.
3. How do I know my money will be safe with Envestpro?
As a trusted Liberty affiliate for over 25 years, we have a proven track record of success and stability. This partnership provides a solid financial foundation you can trust.
4. I don’t earn a fortune; can I still benefit from financial planning?
Absolutely. A solid financial future needs to start somewhere. Our advisers will introduce you to financial habits that will make the most of whatever you have. It is not about how much you have, but rather what you do with it. We are here to guide you on the path to financial freedom.
5. How long does the individual planning process take?
As we provide bespoke planning, everyone’s plan will be different. The time to complete the process will depend on the complexity of the plan. We can, however, promise you, no matter how long it takes, it will not be a waste of your time.