Holistic Approach to Financial Planning

A Unique and Holistic Approach to Financial Planning
Where your well-being is the focus of our CERTIFIED FINANCIAL PLANNER® professionals and staff
Personal financial planning and management can be grouped as follows:

Risk Management
• Insuring of physical assets
• Provision for medical and illness related expenses
• Income protection
• Protection of personal and family assets and acceptable living standards

Lifestyle Management
• Accumulation, growth, preservation and management of wealth
• Accumulation of capital for a financially independent retirement
• Management of income and capital post-retirement
• Lifestyle management post-retirement
• Saving and investing in order to realise financial goals and dreams

Because we focus on your well-being and want you to realise your needs and goals
• Your priorities and goals serve as our starting point and mutual trust and protection of personal information is important to us
• We build long-term relationships based on the six-steps-principle of financial planning
• We offer continuous and focused client service with a transparent fee structure
• We give appropriate advice that is not related to the marketing of a specific product or product provider
• We are proudly independent and professional with regular client engagement and service
• We hold marketing contracts with various investment institutions and insurers
• We employ only well-qualified advisers – mostly CERTIFIED FINANCIAL PLANNER® practitioners
• We subscribe to the ethical code of conduct of the Financial Planning Institute of Southern Africa (FPI)
• In complying with the above and with the requirements of the Financial Advisory Intermediary Services Act (FAIS) we ensure that we treat our clients fairly
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Dr Sjarlene
Thom CFP®
sjarlene@finfocus.co.za

Qualifications

BA, BA Hons (English); Secondary Teacher’s Diploma (STD); BA Hons (Latin); BA Hons (Greek); MA (Latin); DLitt (Greek); Post Graduate Diploma in Financial Planning (US); CFP®, General Tax Practitioner (SA)™.

Background

Sjarlene has taught at Stellenbosch University for many years. She served as a member of the University council, was a trustee of the University provident fund (USAF) and member of the University committee for medical aid and insurance. Professionally she came late to the financial planning environment, but the enthusiasm for numbers and matters financial has always been there. She has joined the Finfocus team initially as advisor in 2013. Most recently she has shifted her focus to administrative support for Finfocus management. As part of Finfocus X-tra Client Services outreach she is available to help with administrative assistance also to clients. She is passionate about getting the job done, whether to provide regulatory documentation or as general support for management.

Sjarlene is married to Johan Thom and they have two children, Mia and Niël. The family enjoys cooking together, with some members being more gifted in this direction than others. Sjarlene loves reading, travelling, entertaining and walking.


Antoinette
Coulson
antoinette@finfocus.co.za

Background

Antoinette has more than 30 years’ experience in the life assurance industry. She spent the first 28 years with corporates and the past two at independent financial adviser firms.

Her past experience at large life assurers has given her valuable insight in how to deal with product providers, financial advisers and clients. She has a passion for client service and it is key to her to deliver such good service that clients will always remember it.

She is the mother of two and the grandmother of three.