See further, plan smarter.

The financial decisions you make today shape your future

At Ternary, we help clients align their financial decisions with their aspirations and financial realities. We guide individuals, families and business owners to make informed choices that bring certainty, peace of mind, and a sustainable approach to wealth management. Our focus is not only on what you want but also on ensuring you can achieve and maintain financial stability throughout every stage of life.

Big picture

We help you understand the big picture and your options. We then do the detailed heavy lifting when implementing the most appropriate financial decisions for you.

Long-term view

We help you take a long-term view, aligning your financial choices with the life you want while planning for life’s uncertainties.

Expert guidance

Our expert guidance gives you the clarity and confidence to move forward with certainty.

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Your financial journey is more than just numbers, it’s about creating the life you envision. We help you take a big-picture view, ensuring your finances work towards your goals at every stage.

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Plan smarter

Life is unpredictable, but financial uncertainty doesn’t have to be. We help you anticipate challenges, manage risks, and adapt your strategy so you stay in control, no matter what comes your way.

Let’s plan

Is Ternary for someone like you?

Your financial journey is unique, but whether you’re planning for yourself, your family, your business, or your community, our approach helps you take control with confidence.

An individual focused on your future and your family’s security?

Here’s how we help:

We help you align your financial decisions with your life goals, ensuring long-term stability, risk protection, and a clear plan for retirement.

A business owner or senior professional?

Here’s how we help:

Your financial well-being isn’t just personal, it’s professional. We integrate business and personal financial planning, helping you grow your wealth while balancing work, lifestyle, and long-term security.

A corporate decision-maker managing employee benefits?

Here’s how we help:

Financial well-being matters in the workplace. We help design and manage employee benefit solutions that support your people’s financial security and future aspirations.

Part of an active lifestyle community (e.g., cycling, outdoor adventure, or other pursuits)?

Here’s how we help:

You plan your routes before a ride, just as financial planning helps you prepare for challenges, manage risks, and stay on track, ensuring your financial journey is as fulfilling as your lifestyle.

Committed to leaving a legacy?

Here’s how we help:

Whether through estate planning, philanthropy, or passing on wealth, we help you build a financial strategy that reflects your values and secures your family’s future.

The Ternary difference

At Ternary, financial planning is not a one-time transaction, it’s a lifelong journey.

A financial plan that fits your life

Not just numbers, but real-world guidance for your career, family, and lifestyle.

Clarity at every step

No confusing jargon, just expert advice you can act on.

Support for life’s changes

From career shifts to retirement, your plan evolves with you.

Our focus

We focus on the numbers just as much as we focus on you.

See further, plan smarter.

Empowering your financial journey

Stay informed with expert insights and practical resources.

More insights

Insights

Balancing risk and reward: what mountain biking teaches us about investments

Mountain biking involves navigating risks and making quick decisions, much like investment planning.

Navigating life’s trails: financial planning lessons from mountain biking

Just as mountain bikers must anticipate the path ahead, effective financial planning requires foresight and adaptability.

More insights

Real people, real financial clarity

The right financial partner doesn’t just manage money—they help you make confident decisions,

“Ternary has not only provided us with a monthly pension but has also grown our capital. We even bought a new car – something we never thought possible in retirement!”
– Kevin & Mary

“As a busy medical professional, financial planning was not my thing! Ternary always had our best interests at heart, ensuring we are financially secure in retirement.”
– Brian & Lynette

“Ternary handled our portfolios with absolute professionalism and integrity, whether we were abroad or in South Africa.”
– Jennifer & Peter

“Since 2019, Ternary has provided outstanding performance on our portfolio. Their expertise and trustworthiness have given us financial comfort in retirement.”
– Paul & Elaine

See further, plan smarter.

The financial decisions you make today shape your future

Big picture

Long-term view

Expert guidance

See further

Plan smarter

Is Ternary for someone like you?

An individual focused on your future and your family’s security?

Here’s how we help:

A business owner or senior professional?

Here’s how we help:

A corporate decision-maker managing employee benefits?

Here’s how we help:

Part of an active lifestyle community (e.g., cycling, outdoor adventure, or other pursuits)?

Here’s how we help:

Committed to leaving a legacy?

Here’s how we help:

The Ternary difference

A financial plan that fits your life

Clarity at every step

Support for life’s changes

Our focus

See further, plan smarter.

Empowering your financial journey

Balancing risk and reward: what mountain biking teaches us about investments

Navigating life’s trails: financial planning lessons from mountain biking

Real people, real financial clarity

“Ternary has not only provided us with a monthly pension but has also grown our capital. We even bought a new car – something we never thought possible in retirement!”
– Kevin & Mary

“As a busy medical professional, financial planning was not my thing! Ternary always had our best interests at heart, ensuring we are financially secure in retirement.”
– Brian & Lynette

“Ternary handled our portfolios with absolute professionalism and integrity, whether we were abroad or in South Africa.”
– Jennifer & Peter

“Since 2019, Ternary has provided outstanding performance on our portfolio. Their expertise and trustworthiness have given us financial comfort in retirement.”
– Paul & Elaine

Let’s plan your future together

Contact us

Address

Connect

See further, plan smarter.

The financial decisions you make today shape your future

Big picture

Long-term view

Expert guidance

See further

Plan smarter

Is Ternary for someone like you?

An individual focused on your future and your family’s security?

Here’s how we help:

A business owner or senior professional?

Here’s how we help:

A corporate decision-maker managing employee benefits?

Here’s how we help:

Part of an active lifestyle community (e.g., cycling, outdoor adventure, or other pursuits)?

Here’s how we help:

Committed to leaving a legacy?

Here’s how we help:

The Ternary difference

A financial plan that fits your life

Clarity at every step

Support for life’s changes

Our focus

See further, plan smarter.

Empowering your financial journey

Balancing risk and reward: what mountain biking teaches us about investments

Navigating life’s trails: financial planning lessons from mountain biking

Real people, real financial clarity

“Ternary has not only provided us with a monthly pension but has also grown our capital. We even bought a new car – something we never thought possible in retirement!” – Kevin & Mary

“As a busy medical professional, financial planning was not my thing! Ternary always had our best interests at heart, ensuring we are financially secure in retirement.” – Brian & Lynette

“Ternary handled our portfolios with absolute professionalism and integrity, whether we were abroad or in South Africa.” – Jennifer & Peter

“Since 2019, Ternary has provided outstanding performance on our portfolio. Their expertise and trustworthiness have given us financial comfort in retirement.” – Paul & Elaine

Let’s plan your future together

Contact us

Address

Connect

“Ternary has not only provided us with a monthly pension but has also grown our capital. We even bought a new car – something we never thought possible in retirement!”
– Kevin & Mary

“As a busy medical professional, financial planning was not my thing! Ternary always had our best interests at heart, ensuring we are financially secure in retirement.”
– Brian & Lynette

“Ternary handled our portfolios with absolute professionalism and integrity, whether we were abroad or in South Africa.”
– Jennifer & Peter

“Since 2019, Ternary has provided outstanding performance on our portfolio. Their expertise and trustworthiness have given us financial comfort in retirement.”
– Paul & Elaine