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Van Rooyen And Raath Financial Advisors
Investments in Bloemfontein

www.vanrooyenraath.co.za
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Remember you found this company at Infoisinfo +2751 447 405?

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1 President Steyn Avenue Westdene. Bloemfontein. Freestate. 9301
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What you should know about Van Rooyen And Raath Financial Advisors

Investment Services in Bloemfontein, Financial Advisor in Bloemfontein, Investment Plans in Bloemfontein, Financial Management in Bloemfontein

Van Rooyen Raath Financial Advisors, Bloemfontein, South Africa.

After this he joined Sanlam and he completed his financial advisor internship in In 2005 he completed the Post Graduate Diploma in Financial Planning at the UFS and in the same year he began practicing as an independent financial advisor. Life cover is an extremely important component of risk insurance. However, it should only be implemented for specific purposes, as the premium payer will never enjoy the fruits of the premiums that was paid directly. We therefore implement only necessary life cover early in our clients’ lives when their outstanding financial obligations exceed their assets materially. We then decrease the level of cover systematically as they near retirement and their assets exceed their outstanding financial obligations materially. Your creditors have first right on your assets when you die and estate duty is payable on the net assets in your estate that exceeds any rebates. Your business will probably need funds to survive if you should die, especially where you are in a partnership where each partner is critical to the functioning of the business. When an insured dies life cover benefits become payable to an assigned beneficiary within a short time. You are covered for your whole life, irrespective of how old you become. You are covered only for a specified period, for example a project which will take an estimated completion time of ten years. Take note that premiums increase materially as people become older and the risk of the insurance companies increase because of this. We do not take into account any group life cover benefits that you may have with your employer because private risk cover links to you for your entire career, irrespective of where you should work in future. For example, if you leave your employer’s service after twenty years it might be difficult to get cover as you are much older then and may have developed health problems over the years. Insurance companies often have stricter underwriting criteria than when you were younger and, and it can even be possible to get any cover at that stage. If you die while you still work for your current employer their group scheme and your private insurance company will apply aggregation to determine who is responsible for what benefits. implement it only for necessary purposes (as discussed earlier); implement it on the level premium pattern with a maximum guarantee period (unless another premium pattern is specifically requested); and. My passion is to assist individuals with the very important task of personal financial planning by providing exceptional financial advice- and services to them. Risk benefits (life cover, incapacity benefits, and critical illness benefits), Retirement and Investments. Where you give instructions to implement our recommendations we are remunerated in the form of commission from the product supplier, unless and hourly remuneration is agreed upon beforehand. However, where we have performed work after you have given instructions to implement our recommendations and you subsequently decide to cancel the implementation, or the product is cancelled thereafter so that we have to pay back our remuneration to the product supplier, we will charge a fee of R800 per hour for the time spent on the work. We use Sanlam Glacier as primary investment platform because of the wide range of fund choices which is available. Our client base comprises mainly professional people and PPS is our preference product for their risk benefits. This document ensures transparency in our dealings with our customers and is available for inspection.
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