Services
Financial Planning
Personal finance is a bit like personal hygiene, if you’re a grown up, no one else is gonna do it for you. It’s up to you to earn money, budget, save, and spend your cash wisely. Personal Financial Planning, however, is a bit more in-depth. A solid personal financial plan includes banking products, investments, insurance and income tax management. Not everyone’s got ‘bean counter’ in their blood, which is why at Oracle we strongly advise you to phone a friend. We’re that friend.You need a Personal Financial Plan that looks beyond today’s bank balance, taking into account various financial risks and your future life events, like weddings, babies, school fees, more school fees, mid-life crisis impulse buys and second honeymoons to make up for previously mentioned impulse buys.
Wills
Why a will? Nobody wants a bun fight over granny’s pearls or worse yet nothing left to fight over ‘cos it’s all been gobbled by government and taken hostage by the taxman. Whether you’re a Rockefeller or just another ‘fella , you need a will – a legal declaration by which you name one or more persons to manage your estate and provide for the distribution of your property after you’ve died. Like they say, you can’t take it with you, so you may as well leave it in good hands.
What Happens If you Dont Have A Will - Click Here To Find Out.
Short Term Insurance
Car, Home, Funeral, Travel and Legal – all members of the Short Term Insurance family. You don't need any of these if you don’t drive, have a home, can guarantee you’ll never need a lawyer and happen to be immortal with no desire to travel anywhere, ever.If you’re still um’ing and aah’ing then you must have an orchard of money trees because that’s the only way we could explain your not wanting to prepare for the unexpected, expensive curve balls that life and Mother Nature are so fond of throwing around. Simply put, if you don’t have Short Term Insurance you’re playing with fire… and that luxury vehicle driver with her eyes on her mascara application instead of the road.
Personal Assurance
Walking around without Personal Insurance is like walking around a golf course in your birthday suit in the middle of a Highveld thunderstorm. Lightning may never strike but if it does, well, you’re toast.What if you get retrenched, diagnosed with a critical illness, are involved in an accident and permanently disabled or worse, killed? What happens then?Personal Insurance enables you to have the answers and the peace of mind of knowing that you and your family will be financially taken care of, whatever happens. The amount of personal insurance you have is up to you but we can help you to determine the perfect fit based on your personal circumstances, your financial commitments and lifestyle expectations.
Wealth Management
Whether you’re a high-net-worth individual (a.k.a loaded), a small-business owner or a family man (or woman), your hard-earned bucks need managing.If you think that sounds like admin, it is.Successfully managing all the ducks – an investment portfolio, retail banking, estate planning, legal resources and tax professionals – and getting them in a profitable row is time-consuming.Because time is money, we suggest that you get your money it’s very own PA – a Wealth Manager. Luckily, you’re in the right place to do just that.
Employee Benefits
When it comes to hiring the right people you’re looking for the full package, right? Well, here’s the kicker, so are they. Gone are the days when sweet, unsuspecting wunderkinds could be wooed with a ‘better than average’ salary, an extra day of annual leave and ‘complimentary’ paint stripper disguised as instant coffee.Today, if you want to hire the best and retain the best, you need to raise your game with Employee Benefits – nonwage compensations like medical aid, pensions, provident funds and funeral cover.It’s a simple case of you get what you pay for. Build a business that invests in its people’s futures and you’ll build a team that’s invested in the future of your business.