Our Team 2018-08-14T21:26:18+00:00


RENE JOHNSONIndependent Financial Adviser, Founding CC Member
Rene Johnson founded the company in 2001, after accumulating years of experience in the Financial Services Industry. Her focus has always been to remain an Independent Financial Advisor, and this culture of independence and objectivity has been transferred to the younger members of staff.
Rene is involved in a wide array of financial planning aspects for all clients, where she specializes in investment and life advice.
Rene enjoys reading, and is always keen to share her latest read with the rest of the office. When she is not reading, Rene enjoys birdwatching, cooking and spending time with her family.
MICHAEL TOMAS, CFP ®Independent Financial Adviser, CC Member
Michael joined Ternary in May 2001. With his focus on education, he has subsequently completed his studies towards a Diploma in Investment Analysis and Portfolio Management from UNISA, a Postgraduate Diploma in Business Administration from UCT’s Graduate School of Business and a Postgraduate Diploma in Financial Planning from the University of the Free State. He is a CFP® professional. He is currently studying towards his Post Graduate Diploma in Estate Planning at the University of the Free State.

Michael uses his years of experience to focus on investment, retirement, financial and estate planning. He acts as an independent trustee on a variety of trusts. He also gives advice on business insurance and pension fund benefits for businesses.

Michael is always keen to continue his learning and studying, as he believes you are never too old to learn. Michael loves to spend time with his wife and two boys, and is most happy if he can be outdoors to try and squeeze in at least one or two braais a week.

ALBERT BRAND, CFA®Investment Analyst, CC Member

Albert joined Ternary in September 2013, with a B.Comm degree from Stellenbosch University. He came back to South Africa in 2013 from a 2 year stay in South Korea teaching English. He used this time abroad to gain meaningful life and travel experience, and to study towards the Chartered Financial Analyst (CFA) exams. He has subsequently passed Level 3 of the CFA exams, and is CFA Charterholder.

Albert heads up the Investment Department where he is responsible for investment analysis and research while he also plays a key role to advise clients regarding their financial planning. Furthermore, he plays a pivotal role in the Strategic Management of the business.

He is currently studying towards the MBA qualification at the University of Stellenbosch’s Business School. He enjoys participating and watching all sorts of sports, travelling with his wife and son, and capturing their adventures through his love of photography.

JOSHUA MUNNIKInvestment Administrator
After completing his Honours Degree in Finance from the University of the Western Cape, Joshua joined the team in August 2014. Joshua ensures that clients receive investment reports of the highest standard, while also doing extensive investment research on a wide range of topics.

He is currently a candidate in the CFA program, registered for his CFA Level 2 exam in June 2017.

Joshua has a keen interest in the finance industry, while also enjoying playing sports and keeping active.

ETIENNE LOMBARDIndependent Financial Advisor
After starting in the Financial Services industry in 2013, Etienne joined the team in June 2014. Etienne assists clients with the administration process surrounding financial advice, while also specializing in the administrative processes regarding Estates and Trusts.

He is currently aiming to achieve his CFP® qualification at Milpark Business school, by studying towards the Higher Certificate in Financial Planning.

Etienne loves to enjoy the great outdoors by spending quality time with family and friends. He is also an aspiring artist, with a particular interest in American Country Rock music.

JUSTIN CRONJEAssistant to Financial Advisors
Justin joined the team in January 2014 as an investment administrator, and has since been intimately involved with running and improving the administrative processes within Ternary.
Justin is currently making his dream a reality by studying towards the CFP(r) Qualification by doing is Higher Certificate in Financial Planning at Milpark Business School. Justin aspires to specialize in tax, as this is an area which fascinates him.
Justin is a rugby enthusiast, an extrovert and enjoys spending time with friends and family. He loves the outdoors, and jumps at every chance to camp in the Western Cape.