Embed Size (px)
Citation preview
COMPANYPROFILE
WEALTH AND LEGACYMANAGEMENTLU
Khumo House, 134 Bronkhorst Street, Nieuw Muckleneuk,
Brooklyn, Pretoria.
Wisdom is Wealth -African Proverb-
Zweli Mahlangu Lesego Monareng
Sheila Maluleka
WHOWE AREThe current South African finan-cial landscape dictated the need for us to exist.
Wealth creation is not coinciden-tal, it is a carefully crafted journey that has intricate detail and plans, and has been passed from one generation to another.The knowledge and advice that is essential for this wealth has been largely exclusive.
KLU Wealth and Legacy Planning aims to bridge the gap in providing quality advice and assisting their clients to build and preserve inter-generational wealth.
The founders are all qualified members of the Financial Planning Institute of Southern Africa (FPI). FPI is a recognised international professional body for financial planners, which requires the highest levels in competence, experience and ethics.
We are Certified Financial Planners® (CFP®), the highest recognised professional designation worldwide for a financial planning professional. The biggest asset that we each bring to the team is our dynamic blend of skills set and the passion for what we do.
Zweli has spent the last 12 years
holding various roles in wealth
management and employee bene-
fit fields. As a Development
Specialist he also trained and
mentored a number of now
successful financial advisers in
the industry. His speciality lies in
advising corporates on their
structures, succession planning,
investment planning and cash
management. He is a registered
Tax Practitioner and his extensive
tax background allows him to add
value to the team and KLU
Wealth clients.
Sheila has been in the financial
services industry for over 15
years and has extensive experi-
ence in private and business
banking. She spent 10 years at
Investec Private Bank as a
Private Banker. During this time
she specialised in medical prac-
tice and commercial property
financing. She is very passionate
about assisting her clients with
the protection of their wealth
and intergenerational wealth
planning. She holds various
seminars addressing financial
literacy and Estate issues.
Lesego has in excess of 10 years
of experience as a wealth man-
ager. She started her career at
Grant Thornton Capital (GTC)
advising member clients with
retirement benefits. Her years
at FNB Wealth has allowed her
to provide expert advice to high
net worth individuals with a
strong focus on investment
planning, asset and liability
matching, tax and estate plan-
ning. Her strong investment
background allows her to give
comprehensive onshore and
offshore investment advice to
KLU Wealth clients.
RELATEDENTITIES
YOURLEGACY
RISKPLANNING
ESTATEPLANNING
INVESTMENTPLANNING
RETIREMENTPLANNING
SUCCESSION PLANING
STRATERGICDIVERSIFICATIONOF ASSETS
RISKPLANNING
ESTATEPLANNING
EMPLOYEE BENEFITS
CASHMANAGEMENT
It is a well-known principle that planning is an important
element of success. At KLU Wealth we take time to under-
stand your lifestyle, what is important to you and what
you want to achieve ~ OUR FOCUS IS ON YOU!
We put a detailed financial action plan that centres
around you. This plan will empower you to make the right
financial decisions and get the balance between your
current responsibilities and future aspirations.
Employee financial wellness: group workshops on various
financial well being topics
Employee benefits: advice and structuring of employee
benefit schemes
Corporate risk planning: we take time to understand your
business structure, objectives & risks and advice on the
necessary insurances to suit your needs
Corporate investments: large cash management solutions
and long-term investments
Succession Planning: advice on how to live beyond your
practice/business
WHATWE DO
PERSONAL
CORPORATE CLIENTS
PLANNING IS BRINGING THE FUTURE INTO THE PRESENT SO THAT YOU CAN DO SOMETHING ABOUT IT NOW
– Alan Lakin
+
+
+
+
+
EMPLOYEE BENEFITS
We help our clients build a sustainable wealth over time, for generations. Differ-
ent investment goals may have different investment strategies. Ours is to under-
stand your investment objectives, the time-horizon, the risk and the required
return to achieve those objectives. We then structure strategies and solutions
that will help you to achieve them.
We utilise the services of reputable and quality asset/portfolio managers with
consistent track records.
Life in retirement has become extremely expensive and due to the fact that we
are also expected to live longer, majority of us will most likely outlive our retire-
ment savings. One of the common contributors is that in reality, our living
expenses and financial responsibilities (children, parents, liabilities etc.) usually
last beyond our 50s, which leaves a shorter investment time for retirement.
Retirement planning becomes the least of priorities depending on your life stage
and financial responsibilities. We help our clients to plan properly so that they
can retire comfortably and maintain their lifestyles in retirement. We consider
various retirement investment vehicles, tax benefits and the liquidity restrictions
of those investments vehicles.
This is one area that is often neglected in our lives. A proper estate analysis will
assist with the following:
ESTATE PLANNING:
To ensure you are able to meet all your objectives, taxes and liabilities created in
the event of death. (Estate, Capital Gains, Income & Donations Taxes and Execu-
tors Fees)
WILLS & TRUSTS:
To ensure your legacy is well managed, protected and distributed according to
your wishes.
SUCCESSION PLANNING:
To ensure a successful intergenerational wealth transfer.
Your biggest asset is the ability to earn an income, we help you protect it. This risk
may be posed to you through any unknown future event such as death, disability,
illness future events or retrenchment. Minimizing your risk of financial loss,
through insurance, is an important part of financial planning. We will provide you
with comprehensive advice on risk insurance, covering such key areas as life,
critical illness, disability and income protection insurance. We will also help put in
place the cover that you require, using an objective cost benefit assessment of
reputable financial solutions.
WEALTH AND INVESTMENTS
RETIREMENT PLANNING
ESTATES, WILLS AND TRUSTS
RISK PLANNING
OURSERVICES
HOWWE DO IT
INVESTMENT PROCESS
INVESTMENT COMMITTEE
INVESTMENT PHILOSOPHY
We follow the six step financial process that is endorsed by the South African Financial
Planning Institute. The cornerstone of our practice looks at all rinciples of financial
planning (Cash flow Management, Investments, Retirement Planning, Estate Planning,
Tax Planning, Risk Planning).
KLU WEALTH has an investment committee that is comprised of an independent
asset management advisory firm. The committee meets on a quarterly basis to
review manager performances, correlation of investment managers, short term and
long term investment strategies in line with economic conditions. We are indepen-
dent and our selection of manager is based on merit and appropriateness of manag-
ers to meet required growth in modelled portfolios. As a responsible South African
business, one of our strategic goals is to support quality black asset management
firms that are aligned with our core investment values.
Our modelled portfolios are aligned to outperform SA inflation in the long term and
reduce unnecessary risk in the short term. Globalisation necessitates portfolios
that are managed across sectors, geographical locations and currencies. We match
goals and objectives taking into account the required growth and necessary time
horizon that is available to meet those goals.
We aim to partner with professionals, entrepreneurs and high net worth clients on their journey to bulding and preserving
sustainable wealth. We aim to instil financial knowledge to previously disadvantaged groups, while creating value for
shareholders in a sustainable manner.
OUR VISION
LUWEALTH AND LEGACYMANAGEMENT
When perseverance has a meaning!
Khumo House, 134 Bronkhorst Street,
Nieuw Muckleneuk, Brooklyn, Pretoria.
+27 12 942 7900
GET IN TOUCH
