EDGE

business & Personal Needs

Investments | Life cover | Medical | Insure | Employee benefits

The Overview

At EDGE, we are a truly independent Financial Services Company and we tailor our services to meet your unique financial needs and goals. Whether securing your health with medical aid, protecting your income and assets, or growing your wealth with strategic investments, we guide you every step of the way. 

Personal
Business
Partners
Product Providers

Personal

We possess the skill and knowledge to achieve your vision for you and your family by utilising your assets and not just relying on insurance. Our approach emphasises meticulous attention and a modern outlook on financial planning.

The most expensive medical aid isn’t always the best for you. Choosing the right medical aid and gap cover is essential for protecting your health and finances. A financial advisor helps you navigate plan complexities and manage claim disputes, ensuring you’re well-covered for unforeseen medical costs.

Income protection insurance safeguards your financial stability if you can’t work due to illness or injury. It provides peace of mind for both salaried and self-employed individuals, covering personal income and business overheads. Ensure your essential operations continue uninterrupted even during incapacity.

Critical illness cover provides financial support during severe health crises. It covers medical costs and lifestyle adjustments for illnesses like cancer, heart attacks, strokes, and major injuries. This insurance offers a lump sum payment to help you focus on recovery without the burden of medical bills.

Life insurance ensures your family’s financial security in your absence. Disability insurance provides financial support if an illness or injury prevents you from working. Both products offer vital financial stability, protecting your loved ones and covering your needs during tough times.

Our investment plans include local and offshore options for pre- and post-retirement, plus tax-efficient and estate-planning products. We offer diverse opportunities to grow your wealth while optimizing tax benefits. Invest with us to secure your financial legacy.

Retirement annuity cover offers a tax-efficient way to save for retirement, providing a reliable income stream post-retirement. Ideal for self-employed individuals, it allows flexible investments with tax-deductible contributions. These savings are protected from creditors and exempt from estate duty upon death.

Direct offshore investments offer diverse opportunities outside your home country. These investments provide tax advantages, asset protection, and enhanced privacy. However, consider potential regulatory oversight and associated costs when choosing offshore options.

Investing in your child’s education ensures they have the opportunities to excel. Secure their educational expenses and focus on creating lasting memories. Proper financial planning allows you to provide the tools they need to thrive in today’s world.

An emergency fund serves as a financial cushion for unexpected expenses. It should cover three to six months’ living expenses and be kept in easily accessible accounts. Build your fund using sources like tax refunds and windfalls to ensure financial stability during emergencies.

A Tax-Free Savings Account (TFSA) offers tax-free benefits on capital gains, dividends, interest, and other income. Diversify your portfolio with unit trusts and model portfolios within the TFSA framework. Ideal for long-term savings, it optimizes returns without tax burdens.

Drafting a will is crucial for securing your legacy. With access to specialist consultants, free collection, and safe-keeping, our services make securing your will easy and stress-free.

 

We manage all trusts required by your will to ensure your beneficiaries are protected. Our services maximize their inheritance, providing peace of mind for your loved ones.

Our flexible services allow you to choose any executor, with professionals administering the process. We offer the option to cover costs upfront, ensuring smooth estate management.

Tax planning involves developing strategies to reduce your tax bill throughout the year. We help clients make smart financial choices with long-term impacts, such as tax-efficient withdrawal strategies for retirees.

Household and vehicle insurance provide protection for your personal belongings and vehicles in case of damage or theft. Homeowners’ (building/structural) insurance extends coverage to your property, protecting against various risks such as, natural disasters, water damage, accidental or malicious harm. We offer a wide range of specialise insurance cover such as luxury vehicle, hobby equipment, marine, aviation, travel pet, kidnap and ransom.

Business

At EDGE, we provide tailored financial solutions to support and grow your business. From buy-and-sell solutions to employee healthcare, our services are designed to meet your unique needs and ensure your company’s financial health and stability.

A correctly structured buy & sell agreement ensures the smooth transfer of business ownership in the event of an owner’s death or disability. Maintaining continuity and stability for the business by preventing disputes and enabling seamless ownership transitions based on a pre-determined valuation. 

A business often has a need for finance with shareholders required to provide personal surety for the loan. This can pose a risk to the personal estate of that shareholder. A correctly structured agreement and funding solution will legally bind the company to settle the outstanding liabilities, thereby relinquishing the guarantor’s personal estate of any liability in the event of death or disability.

Key employees with specialist skills or knowledge, are vital to a business’s success. If such an employee were to die or become disabled, what would the impact and cost be to your business. Let us help you identify risks and implement solutions.

Implementing a Pension & Provident Fund for staff in South Africa is crucial, not only for securing employees’ retirement but also for fulfilling employers’ social responsibility to compensate staff in case of death or disability. By providing these benefits, businesses demonstrate a commitment to the financial security and well-being of their employees, fostering loyalty and a positive work environment. Additionally, contributing to such funds can offer tax benefits, making it a sound investment in both the workforce and the company’s future.

 

By offering these benefits, you mitigate the impact of health-related events on your Business. Providing healthcare benefits for your employees is more affordable than you think. We offer a wide range of products to suit any individual in your business from R300 per month.

Insurance that safeguards businesses against unexpected losses from daily operations, such as theft, lawsuits, natural disasters, or accidents. It includes various types of coverage tailored to protect against different risks, such as property damage, legal liability, and employee-related incidents. Key commercial insurance products include general, liability coverage, vehicle insurance, and business interruption coverage.

Companies determine their commercial insurance needs based on potential risks, which vary by business type and environment. It’s crucial to understand the types of business insurance available and the protection they offer. Essential commercial insurance products include general liability insurance, professional liability coverage, property insurance, product liability insurance, vehicle insurance, and business interruption coverage.

Employee retention is critical for business success, particularly for retaining skilled and experienced staff. High turnover incurs substantial costs, including productivity loss, intellectual property leakage, and training expenses. To mitigate this risk, the business employs an incentive scheme rewarding key employees with tax-free bonuses every five years. This strategy aims to motivate and retain valuable staff, reducing turnover costs and maintaining productivity levels.

With our extensive network of professional partnerships and relationships, we offer comprehensive assistance in navigating mergers and acquisitions. Whether you’re looking to exit your business or expand it through acquisitions, we can connect you with specialists experienced in buying and selling businesses. Our tailored approach ensures seamless transactions and maximizes opportunities for your business growth or transition.

Statutory documents form the legal foundation of existing or new businesses in South Africa. Documents such as the Memorandum of Incorporation (MOI) and shareholders agreement; often overlooked are the documents that define and govern your business structure, operations, and relationships.
 
With our expertise and partnerships, you can be assured that these documents are expertly crafted to align with your business objectives and ensure compliance with South African regulations, setting a solid framework for your business’s success from the outset.
 
Nearly half the companies in RSA do not have a shareholders’ agreement that defines the roles and responsibilities of shareholders in a business.

PARTNERs

We believe in doing business the right way, through providing independent, specialised and unbiased advice while leveraging strategic partnerships that delivers tailor-made solutions. We have hand-picked partner services who will deliver on what we have committed to provide.

  • STOCKS, SHARES, UNIT TRUSTS & ETF’S

    Foundation Fund Managers Interactive Portfolios, Edgestone Asset Management

  • WILLS & ESTATES

    Capital Legacy specialist fiduciary services

  • FOREIGN EXCHANGE & BANKING

    Currency Partners - (Financial Immigration), Swissquote Bank (Zurich), Saxo Bank (Denmark)

  • LEGAL

    Futcher & Poppesqou Attorneys

  • ACCOUNTING

    My Finance Partner

  • INSURE

    Holland Insurance Brokers

ALEXANDER FORBES W
ALLAN GRAY W
BIDVEST W
BRIGHTROCK W
CORONTATION W
DISCOVERY W
ECHELEON W
HOLLARD W
LIBERTY W
MOMENTUM W
MUTUAL & FEDRAL W
NINETY ONE W
Old Mutual W
SANLAM W
SANTAM W

We're more than just financial advisors; we're partners in your journey.

PRODUCT PROVIDERS

We believe in offering quality without compromise which is why we have built our business the way we have. We have the unique ability to provide independent, specialised, and unbiased advice by having access and freedom to find the best insurance cover/product to suit your needs and achieve the desired outcome. This means we are not bound by one service provider or product and by leveraging strategic partnerships we have the ability to tailor-make solutions and find the best package and combination that will suit you. 

We are dedicated to offering comprehensive guidance – an approach that delves beneath the surface to truly grasp your needs and elevate your financial path. We’re not in the business of merely selling; we’re here to connect, arming you with tailored insights and strategies for a financial journey that’s uniquely yours.

COMPANIES & INDUSTRIES

WE SERVICE AS A COLLECTIVE GROUP:

INVESTMENT PLATFORMS:

• Liberty
• Ninety One
• Allan Gray
• Coronation
• Prescient
• Edgestone Asset Management

• Sygnia
• Old Mutual
• Momentum Wealth International
• Sanlam
• Stanlib

RISK PROVIDERS:

• Momentum
• Discovery
• Sanlam
• Bright Rock
• Liberty

• Old Mutual
• Bidvest/FMI
• Capital Legacy
• Elavate Life
• Hollard

Direct Offshore Investments:

• Swissquote (IBank & Share portfolio)
• DMA (ETF’s, Shares & Stocks)
• Discovery International
• Momentum Wealth International
• Ninety One International
• Allan Gray International

Commercial Insurance:

• Agriculture
• Engineering
• Marine
• Aviation
• Specialist Liability
• Hospitality & Leisure
• Goods in Transit
• Financial Lines (Commercial Crime)
• KEU
• CIA
• AMUA
• SHA
• WRA (Woodworking Risk Acceptances)
• CIB Sectional Title

  • • ATU (Motor Traders Cover/Car Dealerships)
    • Consort / Lombard (Construction/ Engineering)
    • ONE (Fuel Station Policies)
    • Santam Real Estate (Sectional Title)
    • Bryte
    • Leppard
    • Praesidio (Kidnap & Ransom)
    • OMI
    • AC&E
    • F&I
    • Camargue
    • Agruma
    • BnB Sure
    • Holland Insurance Brokers

Personal Insurance:

• Santam
• Echelon
• MUA
• Hollard
• Bryte
• TIC (Travel Insurance)
• Momentum/ Alexander Forbes

• Discovery
• Old Mutual
• Praesidio
• Horizon
• One
• Marine (Small Craft)

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