Comprehensive financial advice. Built around your life.
From protecting what you have, to growing your wealth, to planning for the future - RFAdvice provides integrated financial advice across every area of personal and business finance.
How clients benefit by partnering with us
Our clients:
Are in control of their financial destiny.
Are empowered to make informed financial decisions.
Make better financial choices that save them time and money
Enjoy peace of mind knowing contingencies are in place for unexpected events.
Investment philosophy
Dynamic investment portfolio management - built around you.
RFAdvice partners with Advantage, a specialist investment consulting business, to provide expertly managed, risk-profiled investment portfolios for our clients.
Our investment approach
Selecting the right unit trust funds from a universe of over 2,000 options is one of the greatest challenges in financial planning. At RFAdvice, we take this responsibility seriously - and we have the expertise to do it well.
Proactive management team: Our investment committee includes specialists with proven track records across South Africa's leading financial institutions.
Portfolio analysis and selection: We apply rigorous qualitative analysis to select quality unit trusts aligned to each risk profile.
Investor risk profile matching: Each portfolio is matched to the risk and return needs of cautious, moderate, and aggressive investors.
Strategic asset allocation: Predetermined asset allocations are monitored and adjusted as markets and circumstances evolve.
RFAdvice Model Portfolios
Our offering to individuals & families
Your financial life, organised and purposeful.
We provide holistic financial advice for individuals and families at every stage of life - from building a foundation, to growing wealth, to protecting what you've worked hard to create.
Protection
Life is unpredictable. We help ensure you and your family are protected against the unexpected.
Investments & wealth growth
Building wealth requires a clear strategy, the right products, and ongoing management. We guide you through the full investment landscape.
Retirement planning
A comfortable retirement doesn't happen by accident. We help you build, manage, and ultimately draw from your retirement savings with confidence.
Estate & legacy planning
We help ensure your assets go where you intend, and that your family is protected when it matters most.
Fiduciary services
RFAdvice offers fiduciary services - including will drafting, trust setup, and estate planning - through trusted partners including Sanlam, Capital Legacy, Momentum, and Discovery.
Our offering to business owners & employers
Group risk benefits
Comprehensive cover options for your team.
Group health benefits
We structure health benefits appropriate to your team's needs and budget.
Group retirement solutions
A retirement benefit attracts and retains quality employees - and provides meaningful tax advantages for your business.
Commercial & professional insurance
We protect your business from unforeseen losses across a wide range of risks.
Retirement planning
A comfortable retirement doesn't happen by accident. We help you build, manage, and ultimately draw from your retirement savings with confidence.
- Retirement annuities (RA)
- Pension and provident fund strategies
- At-retirement planning and income drawdown
- GEPF and Section 14 transfers
- Preservation funds
Protection
Life is unpredictable. We help ensure you and your family are protected against the unexpected.
- Life insurance: providing for your loved ones if the worst happens
- Disability cover: income replacement if you are unable to work
- Critical illness cover: financial support during serious illness
- Medical aid & gap cover: ensuring your healthcare needs are met
- Short-term insurance: protecting your home, vehicle, and assets
Investments & wealth growth
Building wealth requires a clear strategy, the right products, and ongoing management. We guide you through the full investment landscape.
- Local and offshore investment portfolios
- Unit trusts and collective investments
- Model portfolio management (Income, Stable, Balanced, Growth, Global Growth)
- Share portfolios
- Tax-free investment accounts (TFSA)
- Emergency funds
Estate & legacy planning
We help ensure your assets go where you intend, and that your family is protected when it matters most.
- Will drafting and amendment
- Trust and estate planning
- Executor and fiduciary services (via Sanlam, Capital Legacy, Momentum, Discovery)
Group risk benefits
Comprehensive cover options for your team, including:
- Group life cover
- Income protection (disability) cover — up to 75% of monthly salary
- Lump sum disability cover
- Trauma and critical illness cover
- Funeral cover
- Education cover for employee dependants
- Spouse's life and disability cover
- Accident cover (death and bodily loss)
- Employer reimbursement cover during disability waiting periods
- Medical aid premium waiver cover
Group health benefits
We structure health benefits appropriate to your team's needs and budget:
- Group medical aid
- Medical insurance (hospital and day-to-day cover)
- Gap cover solutions
- Rewards and lifestyle programmes (Discovery Vitality, Sanlam Reality, Momentum Multiply)