"Someone's sitting in the shade today because someone planted a tree a long time ago."
EXPERT FINANCIAL ADVICE
Lifestyle Financial Planners and Investment Specialists
ROSS PENNELL FCCA, MSCI
073 250 5759
082 777 1382
ANDREW CLAYTON CA(SA) CFP®
078 018 0694
With over 20 years of international financial services experience covering the full spectrum of financial solutions, Ross leverages his investment knowledge and erudite contacts to create unique and bespoke opportunities for his high net worth clients in South Africa. Having attained a BSc Honours Degree in Business, Economics and Finance, he then qualified as a Chartered Certified Accountant whilst working in investment banking in London. Ross is a Member of the Chartered Institute for Securities & Investment and the Financial Planning Institute of Southern Africa, and is currently studying for a Postgraduate Diploma in Financial Planning to become a Certified Financial Planner.
Pedro’s qualifications include a BSc Honours Degree in Financial Mathematics from WITS University, as well as over 10 years financial services and investment industry experience working for global companies such as Investec and BNP Paribas Cadiz Securities. He is also a member of the Financial Planning Institute of Southern Africa currently studying for a Postgraduate Diploma in Financial Planning working towards his Certified Financial Planner designation.
Having graduated with a BCompt Honours Degree, Andrew then qualified as a Chartered Accountant with PWC before moving to London where he worked in investment banking for over 14 years; his CV features a number of top global financial institutions. On his return to South Africa, Andrew worked for the Maitland Group whilst completing his Postgraduate Diploma in Financial Planning to become a Certified Financial Planner. With a deep knowledge of global financial markets and start-up companies, Andrew joined Advent Wealth to establish the Stellenbosch and Somerset West office. He is a member of the South African Institute of Chartered Accountants and the Financial Planning Institute of Southern Africa.
AD·VENT (noun): The arrival of a notable person, thing, or event.
ADVENT WEALTH is an independent Lifestyle Financial Planning company.
We help you plan your finances so you can live the life you want.
We listen, learn and appreciate the differing lives, wants and needs of our clients.
We know and respect the importance of your money, providing impartial financial advice
and an unparalleled ongoing level of service in these complex financial times.
We understand that our clients want simplicity and transparency in their
financial affairs, and deserve honesty, integrity and professionalism from their Financial Adviser.
Updated every week to keep you informed
“Successful investing is about managing risk, not avoiding it.”
Helping you choose the right solutions to create a financial plan that will help you achieve and maintain the life you want.
When it comes to investing, it’s important to have a diverse portfolio that’s right for you. Our expert market knowledge and extensive range of solutions allow you to truly tailor the very best portfolio for your needs.
From low-risk, long-term investing to high-risk, short-term strategies we can mix it up or keep it conservative: investments completely crafted to who you are and where you want to go.
Tax Efficient Investments
We are all living longer and we don’t save enough. The Government recognises these facts and encourages us all to save by offering tax incentives on pensions and certain investments, called Tax Free Savings Accounts. It’s important to maximise these tax breaks so that your money works as hard for you as possible. Your children can also receive the benefits of tax free investing. By opening a Tax Free Savings Account on behalf of your child, you unlock the full power of compounding on their long-term savings, perfect for their education fund.
Investing and Banking Offshore
As the saying goes; don’t put all your eggs in one basket. Each South African resident taxpayer can invest offshore using their Discretionary and Foreign Capital Allowances (limited per calendar year). These funds can then be invested in foreign currency denominated assets such as investment portfolios and property, or simply be held as cash on deposit. An overseas bank account is extremely useful for those living, working, studying or investing abroad. Our relationships with international banks allow you to open an account that’s right for you. And, our synergy with dedicated foreign exchange specialists enables us to boost the amount of foreign currency you can purchase by negotiating the best exchange rates available.
The world feels like a much smaller place nowadays, and as we live longer into retirement the decisions you take now will affect you, and your family, for the rest of your lives. These decisions are not easy and, for the internationally mobile individual, retirement planning can be further complicated by cross border tax considerations.
We help and advise expatriates and internationally minded clients with UK Self Invested Personal Pensions (SIPPs), Qualifying Recognised Overseas Pension Schemes (QROPS), Qualifying Non-UK Pension Schemes (QNUPS) and International Pension Plans.
Retirement Planning and Provision
The sooner you begin to plan and save for your retirement, the sooner you can retire! Our approach is to review several different long term investment models, and typically employ more than one strategy to avoid putting all of your assets into one product. Increasingly, investing for retirement has become the investor's responsibility as work security, and holding the same job for 30 years, is virtually unheard of.
Income Protection & Life Insurance
Most households in today’s economy rely on more than one income to keep the household expenses in check. If you became critically ill, or were injured or disabled in some way, and could no longer work, would your family be able to cope without your income? Who will provide for those that you love after you have gone? Income protection and life insurance should not be seen as grudge purchases but rather as investments into your family’s future. You work hard to provide for them now, that shouldn’t have to change.
Estate planning is not only for the mega-rich. If you have assets, investment policies, risk cover and more than one potential beneficiary, then we can assist you with the planning of your estate and how it will be allocated when you pass away. An estate that is left open can cause a difficult time to be even harder for those who are left behind. Often there is more work needed on a R3m estate than on one that is worth R20m!
Group Life, Pensions and Provident Funds remain an essential part of a well run business. We will tailor your company’s pension and provident funds for you, using the most appropriate corporate providers to tender for the risk benefits and the retirement benefits separately – ensuring cost effective and customer specific corporate benefits.
“Chance favours the prepared mind. The more you practise, the luckier you become.”
ARE YOU SAVING ENOUGH?
How healthy is your financial plan when it comes to saving and provisioning funds for the future? Digital technology and our diverse economic systems and policies have increased our options both for investment and for risk protection. This is an arena that is constantly changing, growing rapidly and needs to be monitored regularly – which is one reason for having your own financial planner!
WHO DO YOU CHOOSE?
If you have never worked with a financial advisor before, you may find yourself overwhelmed by the choice, confused by the jargon and frustrated at the cost! But in the same way you wouldn't service your own car, it's good to have someone you trust to advise and guide you to make healthy decisions about your wealth.
CREATE WINNING STRATEGIES
Aside from being an expert in the money game and having a keen sense of the conditions and lay of the financial landscape, winning strategies are born inside of a relationship of trust, mutual understanding and a commitment to strive for the same goals. Your financial advisor should bring you peace-of-mind and help you maintain control of your finances.
CONTACT US TODAY
Need to get hold of us? Just fill out this form and we'll contact you!