about

Ruann's Story

I joined the financial industry in May 2012 with the Hereford group. In 2020 I decided to become an independent adviser affiliated with the Financial Solutions 4 Professionals group (fsp41158) with a focus on an advice driven practice.

My mission statement is to “IMPACT LIVES” through holistic advice.
In every interaction and engagement with my client, my goal is that they know they are valued and that, through my interaction with them, their lives are impacted for the better.”

I pride myself on the fact that I become an extension of the family. I enjoy working with young families (be it professionals or business owners) to assist in building their plans, and then action the specific and agreed upon financial plans that will bring their goals and dreams to fruition.

services

Services we offer

As a registered FS4P Adviser I use the following  methodology

  • Discovering your current financial position together
  • Analyzing your financial reality
  • Developing and presenting your financial solution
  • Implementing the solution
  • Evaluation and review of your plan

There is no “one size fits all planning – All plans are custom designed for the individual.

Medical aid and GAP Cover

I deal with the majority of the Medical Aid and Gap Cover companies in the market. I take the time to understand the product offerings and make this very technical field understandable. This is how I find the plan that best suites you, my client
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Individual risk planning

Income protection - your ability to earn an income is your greatest asset. This allows you to live your life as you wish. We need to protect this asset and ensure that you and your family are financially secure.

Estate planning – making sure that you know what will happen to your family and assets in the event of your death.

Retirement planning – most South Africans will not be able to retire with the current income they receive. We put strategies in place to ensure that you are one of the few that will retire financially secure.

Investment and Wealth planning – prudent, individual investment advice with guaranteed monthly feedback and annual reviews of investments and strategies.
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Business planning

What needs to happen to your business in the event of your death?

Are you in partnership with somebody else?

As director, did you sign surety for any loans in the business? (Personal Liability Insurance)

What is your retirement exit plan from your business? Do you have a retirement strategy for your employees? (Retirement Fund)
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testimonials

What people say

our blogs

News

Why patience is part of the plan

July 14, 2025
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When you look at your investment portfolio, it’s tempting to

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Blog MARKET

When letting go creates more space for growth

July 7, 2025
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When we talk about money, we often slip into the

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Blog LIFESTYLE

Why diversification still works — even when it doesn’t feel like it

July 7, 2025
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When markets are stormy, it’s easy to question whether diversification

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Blog MARKET

Identity-based financial goals

June 30, 2025
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Who are you? Who do you want to become? Identity-based

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Blog LIFESTYLE

Behavioural Economics 101

June 23, 2025
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Why don’t we always do what’s “best” with our money?

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Blog MARKET

Cross-cultural connection in financial planning

June 16, 2025
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You have a lens, and here’s why it matters… Financial

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Blog LIFESTYLE

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