Investments
Life & RIsk
Employee Benefits
Health Care
Income Protection
Build your professional and personal wealth.
Your financial strategy should evolve with you.
As your career progresses and your financial responsibilities grow, managing your wealth can become increasingly complex.
You may have investments with different providers, retirement funds accumulated throughout your career, offshore exposure and financial commitments to your family. But are all these arrangements working towards the same long-term goals? At Garden Route Life & Investment Brokers (GRLI), we provide independent financial planning and investment advice for professionals and executives who want greater clarity and confidence in their financial future.
Our specialist investment advisors help you review your financial position, understand your options, and bring your investments, retirement, and protection needs into a more coordinated strategy.
How do I know if my investments are working together effectively?
Start by reviewing your investments as one portfolio rather than considering each account separately. Look at your overall asset allocation, risk exposure, fees, diversification and investment objectives. An independent investment portfolio review can help identify duplication, potential gaps and areas where your existing arrangements may no longer align with your financial goals.
Are Your Financial Decisions Working Together?
A successful career can create significant opportunities to build long-term wealth. It can also bring increasingly complex financial decisions. Between professional demands, family responsibilities and everyday commitments, finding time to review your financial arrangements isn’t always easy.
Over time, you may accumulate investments, retirement savings and insurance policies through different providers or advisers. While each may serve a purpose, they don’t necessarily form a coordinated financial strategy.
You may be asking yourself:
- Are my investments appropriately diversified and aligned with my financial goals?
- Am I saving and investing enough to maintain my lifestyle in retirement?
- Could my existing investments be structured more efficiently?
- Do I have an appropriate balance between local and offshore investments?
- Are my existing advisers and investment arrangements still meeting my needs?
- Have I made suitable financial provisions for my family and future estate?
Building wealth is important. Having a clear strategy for managing and protecting it matters just as much.
Independent financial advice can help you assess the bigger picture, understand potential gaps, and make informed decisions about your future.
Request a Financial Review
What Would You Like Help With?
Review Your Investment Portfolio
Are your investments working together towards your financial goals?
Having investments across different providers doesn’t necessarily mean you have a coordinated investment strategy.
A portfolio review can help assess your existing investments, asset allocation, risk exposure, investment costs and alignment with your financial objectives.
Whether you are reviewing your current arrangements or looking for an independent second opinion, understanding the bigger picture is a valuable starting point.
Plan for the Retirement You Want
Will your investments support your lifestyle when you stop working?
Retirement planning involves more than contributing to a retirement fund.
Your expected retirement age, income requirements, existing savings, investment strategy and changing financial circumstances all influence your retirement readiness.
An independent financial adviser can help you assess your current position and consider the steps needed to work towards your retirement goals.
Diversify Your Investments Internationally
Does your investment portfolio have the right balance of local and offshore exposure?
Offshore investments can provide access to international markets, currencies and investment opportunities.
However, international investing also introduces additional considerations, including currency movements, taxation, investment structures and risk.
GRLI’s investment specialists can help you consider offshore exposure in the context of your overall financial strategy.
Make More Informed Savings Decisions
Are you making appropriate use of the savings and investment options available to you?
Different savings and investment structures have different benefits, restrictions and tax considerations.
A financial adviser can help you understand how options such as tax-free savings accounts, retirement investments and other investment vehicles may fit into your broader financial strategy.
The objective is to make informed decisions based on your circumstances rather than choosing products in isolation.
Protect Your Family and Financial Legacy
Have you considered how your financial arrangements would support your loved ones?
As your wealth and responsibilities grow, it becomes increasingly important to review your family’s financial security.
Life cover, income protection, beneficiary arrangements and estate-related financial planning can all play a role.
A coordinated financial review can help you identify areas requiring further attention and determine where specialist financial or legal guidance may be appropriate.
When Should You Review Your Financial Plan?
Financial planning should be reviewed regularly, particularly during major life changes such as career progression, salary increases, inheritance, changing family responsibilities, investment decisions or approaching retirement. A financial review helps ensure your investments, retirement planning and financial arrangements remain aligned with your evolving needs and long-term goals.
A Financial Strategy That Evolves with Your Success
Your financial needs are unlikely to remain the same throughout your career. The investment decisions you make while building your wealth may differ from those you need to consider as retirement approaches with GRLI.
Investment & Portfolio Planning
Review your investment portfolio, diversification, risk exposure and long-term investment objectives.
Retirement Planning
Assess your retirement goals, existing savings and the income you may need to support your preferred lifestyle.
Offshore Investment Planning
Consider international investment exposure and how it fits into your overall financial position, goals and risk profile.
Family & Legacy Protection
Review your financial protection needs and consider the arrangements that may support your family and estate objectives.
Already Have Investments or a Financial Adviser?
You don’t need to start from scratch to benefit from a fresh perspective. You may have existing investments, retirement funds, or a long-standing relationship with a financial adviser.
An independent financial review can help you consider whether your arrangements are aligned with your current circumstances and future goals. It may identify opportunities for improvement, confirm that existing arrangements remain appropriate, or highlight questions worth discussing with your current adviser. The objective is to provide clarity and help you make informed decisions, not to recommend unnecessary changes.
FAQs For Professionals and Executives
When should I review my investment portfolio?
Your investment portfolio should be reviewed periodically and whenever your financial circumstances or objectives change significantly. Events such as a promotion, inheritance, career change or approaching retirement may affect your investment needs. Regular reviews can help assess whether your portfolio’s structure, risk exposure and investment strategy remain appropriate for your circumstances.
How can I determine whether I am saving enough for retirement?
Retirement readiness depends on factors such as your current savings, retirement age, expected living expenses, future contributions, investment performance assumptions and anticipated retirement income. A retirement planning review can help estimate your future financial requirements and assess whether your existing arrangements are on track, while accounting for uncertainty and changing circumstances.
Should I include offshore investments in my portfolio?
Offshore investments may provide access to international markets and help diversify a portfolio beyond South Africa. However, the appropriate level of offshore exposure depends on your financial objectives, investment timeframe, risk tolerance and existing assets. Currency fluctuations, fees, taxation and investment structures should also be considered before making decisions.
Can I get a second opinion on my investments without changing financial advisers?
Yes. You can request an independent review of your existing investment portfolio without automatically moving your assets or changing advisers. A second opinion can help assess your portfolio’s suitability, diversification, investment costs and alignment with your objectives. You can then consider any recommendations before deciding whether changes are necessary.
How does life insurance and estate planning fit into my investment strategy?
Investment planning focuses on building and managing wealth, while life and risk planning considers the financial consequences of unexpected events. Reviewing life cover, income protection, beneficiary arrangements and estate-related financial needs alongside your investments can help create a more coordinated financial plan and identify matters requiring specialist legal or estate advice.
Request a Call Back
Would you like to speak to one of our specialized brokers over the phone? Just submit your details and we’ll be in touch shortly. You can also email us if you would prefer.
For Businesses: Do you have questions about how Life & Investment Brokers can help your company? Send us an email and we’ll get in touch shortly, or phone 044 874 5497 between 08:30 and 16:30 Monday to Thursday and 08:30 and 16:00 on Fridays – we would be delighted to speak to you.