SERVICES
At FINPAS we believe the best service we can give to our clients is our professionalism, and the knowledge that we have their best interests at heart. Our financial life coaching technique
takes a holistic approach and covers all of your personal financial needs.
Being independent allows us to take an impartial and objective view of your situation.
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To make an appointment immediately, click 'Book Now' on any of our services, or fill out our booking form and we will get back to you ASAP!
ESTATE PLANNING
Will Drafting, Ensuring Liquidity, Trusts, Pegging death duty.
Will your loved ones be protected legally and financially upon your death?
Estate planning is especially important if you are/have been married or are planning marriage, if you have children or support others financially. 
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We will help you to document your wishes and complete the processes necessary to fulfil these. It is not purely about drafting a will - this is only one component of your estate plan. We can help you understand how your marriage regime can impact your Estate, as well as any tax considerations that need to be taken into account.
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Your estate plan should be reviewed and adjusted as your assets and circumstances change throughout life.
When do I need a Will?
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What would be the best outcome for your family if they were to survive you?
Why do I need an executor?
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What will happen to my loved ones if I do not have a will?
How do I reduce tax on my estate when I die?
TAX PLANNING & STRUCTURING
Tax savings & avoidance
What tax deductions have you missed?
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Our tax professional will work closely with you to help minimize the strain that tax returns can cause. We will explore your financial plan and make sure that all elements work together to help you pay the least amount of tax possible.
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We will assess your personal & business assets and advise how you may legally reduce the amount of tax owed by you, your business and your estate - avoiding unnecessary taxation and penalties. 
Tax structuring is also offered for businesses, trusts & estates, and offshore assets.
What kind of tax deductions do I qualify for?
What are the tax consequences of selling property?
How can I minimize the amount of tax I owe?
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What are the tax consequences of different investments?
INVESTMENT PLANNING
Bespoke risk & return profiled portfolio, including onshore & direct offshore
What is the best option for you?
With so many investment vehicles available out there, it can be confusing to decide.
Once we have identified your future and financial goals, we will help you to transform these into an investment plan specific to your needs. You will benefit from a clear understanding and feel more in control of your finances.
We offer advice on both South African and Offshore investments.
I have inherited money, where is the best place to save it?
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What investments offer guarantees?
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When do I incur capital gains tax?
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Should I invest overseas?
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Should I invest in a Unit Trust or buy property?
PROJECT PLANNING
Household budget, Plan for Education, Car & Home
What is holding you back from realizing your dreams?
With proper Project Planning, almost all obstacles that could lead to failure can be avoided. We will help you to map out, organize and prioritize your project goals, tasks and schedules - as well as creating a realistic timeline towards saving for, and achieving these.
What steps should i take to buy my dream home in 10 years time?
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I want to start a business - what capital will I need and how will I ensure my funds are protected?
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What is the best way to save for my child's education?
I want to travel, when and where should I start saving for this expense?
RETIREMENT PLANNING
Retirement Capital, Income for Life
What will your retirement lifestyle look like? Will you have sufficient income and access to capital?
We will help you to set retirement goals, estimate a budget for your retirement and invest your present-day money to grow your retirement savings. We want you to have the comfortable retirement that you deserve, one where you are still accomplishing goals and living a fulfilling life.
All retirement plans are unique. We will help you create yours by providing you with a variety of options, ensuring the best outcome for you.
What are your retirement plans?
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How much do I need to retire comfortably?
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How do I maximise my tax benefits?
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What would the outcome be if you did not
plan for your retirement?
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PROTECTION PLANNING
Financial protection on Death, Disability or Dread Disease
How will you provide for yourself or your loved ones in the event of the unknown?
Unexpected illness or injury can be extremely costly and an untimely death can leave families emotionally and financially devastated. We can assist you in being financially prepared for this.
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We provide you with options and advice for income protection in the event of death, disability, or severe illness.
We all face unexpected risks daily; we may not always be able to protect ourselves, but we can protect your income-earning capacity and lessen the financial consequences that such risks would have on yourself, your family and loved ones.
What if I am injured and cant work?
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What if I fall ill with a serious illness?
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What will happen to my family if I had to be injured or die unexpectedly?
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GOAL SETTING COURSES
A new service that we are offering is a Finpas Goal Setting course produced by our strategic planner. This course will provide you with structured guidance - giving you the motivation, accountability and satisfaction of achieving your goals.
After the course, we will have regular follow-ups with you!​
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As this is a new development, we want to structure it uniquely for each client, who will work closely with Erynn throughout the course's progress. If you are interested in an individual or group goal setting course, or if you have a different idea for a course structure, please get in touch to start collaborating on your plan!
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SERVICE FEES
Rather than commission-driven advice, we offer time-based, product-based, and asset-based fees, or a combination of these. Ongoing fees are revised annually.
ADVICE FEE
(Once-off)
This is a process that we go through together, to place you in a position to make informed choices that relate to your
situation and chosen life goals.
PRODUCT IMPLEMENTATION FEE
(Once-off)
As independent advisors, we have the advantage of going through a selection process to provide our clients with the most suitable product, then smoothing out and assisting with the paperwork, medicals and FICA requirements.
We then follow-up with any additional requirements and ensure finalisation.
ANNUAL REVIEW & RETAINER FEES
(Ongoing)
A lot of things can happen in a year - and usually do. That is why we insist on an annual check up to find out what has happened in your life, and make sure that all of your plans are still on track. If not, we help you to identify and put into place the required changes. We limit the number of clients that we take on as a practice, to optimise the time and effort needed to monitor and organise your life and financial plans.