Your future is yours to create

Six Steps to Financial Planning

Six Steps of Financial Planning
We strive to render apt advice and a professional service to our clients. For this reason, we apply the Financial Planning Institute’s recommended 6 steps in financial planning. The application of the process ensures that we will comply with the stipulations of the FAIS legislation.

Establishing and defining the professional relationship
Finfocus advisers' Letters of Introduction and the Service Agreement between Finfocus and you, as client, form the basis of the professional relationship involved and the services that can be delivered.
Gathering of relevant information and determining needs and goals
During a personal interview, your financial goals, needs and priorities are determined and discussed. Finfocus' Financial Needs Assessment Form, together with the collection of documents as required by legislation (FICA), a general questionnaire and a determination of your investment profile all form part of this section.
Analysis and evaluation of the client's financial status
Here we often use sophisticated computer programmes. The comprehensiveness of the analysis depends on the type of analysis and services you require.
Development and submission of a financial plan with recommendations and alternative proposals, as needed
A personal report and plan is compiled following the analysis and information provided by you. Proposals will be made as well as explanations of the implications and costs of implementation. Where needed, alternative proposals will be made. All this is done to enable you to make an informed decision. After discussion, or at your request, the plan can be adapted.
Implementation of the proposed recommendations
You and your adviser agree on how and when the plan will be implemented and which recommendations should enjoy the highest priority. Your adviser assists with the implementation, can serve as co-ordinator of the process and as the link with other professionals, such as attorneys and auditors.
Monitoring of the recommendations and reviewing of the plan
You and your adviser agree on how the plan will be monitored and how frequently it will be revised.
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Dr Sjarlene
Thom CFP®


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)™.


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 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.