Advent Wealth (Pty) Ltd | Financial Planning and Investments

ABOUT ROSS

With over 25 years of international financial services experience covering the full spectrum of financial solutions, Ross leverages his expert knowledge and professional networks to offer unique and bespoke financial planning and investment 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, Financial Planning Institute of Southern Africa and a Fellow of the Association of Chartered Certified Accountants.

Sandwich generation

The sandwich generation refers to working-age individuals who are in the precarious position of looking after their growing children and caring for elderly parents. They are effectively “sandwiched” between the responsibilities of caring for their children, who require financial, physical, and emotional support, and caring for their ageing parents, who may be unwell, incapable of […]

The nourishment of nature

A breath of fresh air, the sun on our faces, bare feet in the sand. Spending time outside can provide many small pleasures, which all leave us feeling revitalised. Whether it’s sipping ice-cold lemonade in our backyard or hiking up a mountain, spending time in nature has numerous benefits beyond the obvious. There have been […]

Crypto can be taxing

One of the early appeals for cryptocurrencies was that they would not be taxed as they are not fiat currencies (yet), in that they are not owned by a country or used for trade inside of geographical tender regulations. However, as these platforms grow and develop, we are seeing that this is most likely not […]

Dualistic Thinking

Dualistic thinking assumes a universe where there are only two opposing, mutually incompatible options or realities. This type of thinking is either/or, good/bad, negative/positive, and has a significant impact on our beliefs and behaviours. Our development is stymied by dualistic thinking. The sooner we can break free from this either/or mindset, the sooner we can […]

Things don’t get easier – we become more resilient

Life is uncharted. Maps can only be made from where we’ve been – not where we have yet to go. The only certainty is uncertainty, and we can experience potentially life-altering choices on a daily basis. Each nebulous choice we make brings with it a unique flood of thoughts and emotions. Yet, we generally adapt […]

Don’t be a lemming

One long-held belief is that lemmings purposefully run off cliffs in their millions. This myth has become a metaphor for the behaviour of crowds of individuals who follow each other blindly, regardless of the consequences. Herd instincts are prevalent in all parts of life, including the financial industry when investors follow what they feel other […]

I’m not sure I want to know

There’s a story that was told many years ago (it may or may not be true…) about a Microsoft call-centre agent and their call with a deeply irate customer. Having recently purchased a computer that came pre-installed with Windows, the customer called to find out why his computer would not respond. It goes a little […]

How to do it in the 4IR

“But we didn’t need it, and we turned out fine.” We hear this line more than we should. From tap water to technology, from diets to devices, from gender identification to genetic modification, from schooling to selecting a coach or advisor, our peers and mentors can often throw this line in our face – but […]

Are you money-mental?

The simple answer is: Yes, we all are! In a recent blog, we looked at five financial trip-wires and glanced over the term ‘mental accounting.’ Introduced in 1999, it’s a concept that refers to the different values we place on money. These values are often based on subjective criteria; sometimes, this subjectivity benefits us, and […]

If our feelings could talk

Epictetus, the Greek Stoic philosopher, was the first to say it. “We have two ears and one mouth so that we can listen twice as much as we speak.” But listening is not always about what we hear; it’s what we can begin to intuit. When it comes to our feelings, we have to learn […]

Investing Options

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.

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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.

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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.

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International Pensions

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.

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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.

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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.

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Estate Planning

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!

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Corporate Benefits

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.

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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.

Don't let financial decisions limit their dreams.

Have all you need to enjoy all you have.

The views are exceptionalwhen you're willing to wait.

You can see so much morewith two pairs of eyes.

EXPERT FINANCIAL ADVICE

ROSS PENNELL FCCA, MSCI

LATEST BLOGS

YOUR FINANCES

Investing Options

Tax Efficient Investments

Investing and Banking Offshore

International Pensions

Retirement Planning and Provision

Income Protection & Life Insurance

Estate Planning

Corporate Benefits

ARE YOU SAVING ENOUGH?

WHO DO YOU CHOOSE?

CREATE WINNING STRATEGIES

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DISCLAIMER

Don't let financial decisions
limit their dreams.

Have all you need
to enjoy all you have.

The views are exceptional
when you're willing to wait.

You can see so much more
with two pairs of eyes.