So here’s the thing.:  Robo-Advice is the word predominant in a lot of conversations today.  With technology at my fingertips why do I need a financial advisor?

Why do I need an advisor?  I can do everything online.

What is the point of asking for guidance where to invest?  Just choose two or three funds and go for it.

Why pay such enormous fees for advice?  I can manage to do my own investments much cheaper.

What do I need a financial plan for?   I have always planned my life quite well and managed to do what is required to keep my family well looked after and financially ok.

Why not consider the benefit of having a financial advisor as the silent partner in your life’s journey? These are the aspects we think add value to your life – having someone to talk to and knowing what to do when:

  • you marry – what sort of contract suits your circumstances best?
  • either you or your spouse die unexpectedly – how should your will be structured and what impact does this have on the family financially?
  • you inherit money from your family – pay off debt or invest? Or go on an overseas holiday?
  • you are retrenched cruelly and unexpectedly? What now?
  • you and your spouse decide to get divorced – emotionally the worst possible time to make decisions about money.
  • the markets come crashing down and you “lose” 40% of your hard earned savings – sell or stay?
  • your parents are suddenly 100% dependant on you financially and you were not expecting that – what alternative options are there to consider and what impact does this have on your long term financial planning?

It might sound as if your financial advisor is there just to help you deal with negative aspects of life.   But at Ternary Financial Services we appreciate the opportunity not only to help our clients deal with the hard decisions which they have to make sometimes, but also to be involved in the personal aspects of your life.   How to

  • coach your children/grandchildren/nieces and nephews regarding their financial planning.
  • Help you be sure that your assets have some protection with careful research and advice regarding where to invest your money
  • Provide objective advice with emotions stripped out regarding planning for retirement, death, inheritances, marriage, divorce
  • Strip out anxiety which comes when one reads the newspapers and end up in a panic regarding your future and that of your family
  • Ensure that when you have problems with medical aid schemes and insurance companies, the pressure we can bring to bear, helps solve those problems.

So we see financial advice as a journey, not a destination.  We see ourselves as not only providing a lasting friendship, but a professional relationship where advice is objective, for your benefit and where it has a profound impact on you and your family’s lives.