Financial Advisory Services |
Our Role
We provide a wide range of financial advisory services
built around the needs and expectations of our individual clients.
We understand Insurance products.
We know which benefits are
offered by the different companies and what conditions are attached to these
offers. We have access to the latest diagnostic tools to analyse Investment and
Insurance portfolios. We can ensure Independent Advice at all times.
Services we Provide
Before presenting any product we complete a Financial Needs
Analysis. We seek to establish what your Assets and Liabilities are and what
financial goals you have set for yourself. We evaluate the portfolio you
already have, to ensure that these meet your risk profile. Based on the needs
presented to us, we aim to provide the most comprehensive benefits through
appropriate advice .
Prior to giving any advice we follow a step by step f'inancial design' process established internationally
and accepted by the Financial Planning Institute of South Africa and the office of the FAIS ombud.
The step by step Financial Design process is as follows;
- Step 1 - Establishing and defining a professional relationship
- Step 2 - Gathering information including goals
- Step 3 - Analising and evaluating the clients financial
position'
- Step 4 - Developing and presenting financial planning
recommendation
- Step 5 - Implementing the recommendations
- Step 6 - Monitoring the financial planning recommendation
This process allows us to understand your needs and requirements
in the following areas of personal financial planning.
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Risk Cover - Overhead Expenses

The Overhead Expenses
Benefit provides monthly funding for business expenses.This benefit provides you with cover to fund your business
overhead expenses while you are disabled or temporarily unable to work.The waiting period is one month.
The benefit is payable for a maximum of 24 months or until the
benefit expiry age of 60, 65 or 70 is reached - whichever happens first.
Read More...
Contact HDO
 If your current portfolio is not living up to your expectations please don't hesitate to contact us.
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