PFS is a Cape Town based financial planning consultancy, but also manages relationships with clients as far afield as Britain, Australia, Dubai, Germany, Kuwait, Abu Dhabi and the USA.
Being a completely independent, licensed financial services provider (Reg No. FSP7339), our advice will always be objective and you can rest assured that we will always place your interests first. Our business is driven by passion and guided by the highest ethical standards. The cornerstone of our business is performance and this in turn is characterised by seven key principles, namely: Professionalism, Objectivity, Simplicity, Integrity, Transparency, Innovation, Value and Efficiency, together appropriately forming the acronym “POSITIVE”.
PFS, through its Principal Officer, Rafieq Saville, is licensed and authorised by the Financial Services Board of South Africa to operate as a Financial Services Provider (FSP). In addition, we are also licensed by the Council for Medical Schemes S.A. to advise on and market medical schemes. We comply fully with all statutory requirements regulating the operations of FSP’s in South Africa and such compliance is monitored by Masthead Financial Advisers Association, a registered and approved compliance monitoring service.
PFS is essentially a fee-based practice, meaning that like lawyers, accountants and other professionals, we charge a fee for any financial planning or other services dispensed. Fees and charges will vary in structure and amount depending on the service you require and may even be partially or fully rebated if you make use of a service that involves us receiving payment in a different form or another source. Prior to commencing any work we will disclose, discuss and agree our fees with you and enter into an agreement with you around payment terms. We will not surprise you with bills and statements of account for work you did not authorise or for amounts on which you did not agree.
We are specialists in personal and business financial planning and as such that remains our key focus. However, in order to provide a broader, more comprehensive service to our clients, we have an extensive network of strategic partners, who like ourselves, each have their respective areas of specialty. Our strategic partners and associates include accountants, attorneys, short term insurance brokers, mortgage originators and many other specialists.
As a professional practice, we will endeavour to protect your interests in every reasonable way, ensuring the highest possible levels of confidentiality. We will act with diligence and extreme care in the handling of your information and property and in protecting it from loss, damage, unauthorised access and unauthorised use. For your greater peace of mind, we disclose that we hold Professional Indemnity Insurance.
The Perfect Team
We craft and deliver smart, bespoke and sustainable strategies to grow wealth and eliminate unnecessary risk and spend in order to provide financial security and peace of mind for individuals, families and businesses.
How our clients rate our performance
Old Mutual, Sanlam, Momentum Life, PPS, Hollard, Discovery Life, Liberty Life, Brightrock, Discovery Health, Stanlib, Discovery Invest, Glacier, Momentum Wealth, Old Mutual Wealth, Allan Gray, Investec, Marriot, Fedgroup and Oasis.
Membership and Affiliation
SA Council for Medical Schemes, Financial Planning Institute, Financial Services Board, IFA Net, Masthead Financial Advisers Association, Financial Intermediaries Association.