Boutique financial planning
Independent by design - advice that answers to you.
What we do
Four areas, one plan. We grow and structure what you have built, look after your family's health cover, insure what you own, and support the people you employ. Most practices do one or two of these and refer you elsewhere for the rest - we advise across all four.
Wealth
The money side of the plan - what you own, how it grows, what it costs you in tax, and how it passes on to the next generation.
Health
Getting the right medical cover in place, and closing the gaps that a medical scheme on its own leaves behind.
Short-term
Your home, your vehicles and your business assets - correctly valued, correctly covered, and reviewed as your circumstances change.
Employee Benefits
Retirement and risk benefits are part of the financial security you provide to your people and their families - designed, implemented and managed properly.
Who we are
We are an independent, family-founded financial planning practice based right here in Pretoria. Behind every plan stands the full Xpert team - ten people spanning law, tax, investment management, healthcare, compliance and client service - and every client has direct access to the people who build and maintain their plan.
We are not tied to any single product house, fund manager or insurer, which means our recommendations are driven by what is best for you.
The XPert Wealth difference
Choosing a financial adviser is about more than comparing products, fees or promises. It is about deciding who you trust with the decisions that affect your wealth, your family and your future. Our difference lies in the way we work: experienced people, considered advice, strong governance, personal service and relationships built for the long term. You should know who is advising you, understand why they are recommending it, and know that they will still be there when it matters.
Our advice fee is generally facilitated through the investments we manage with you, rather than billed separately. There are no unexpected invoices or charges for every conversation - your ongoing financial planning, portfolio oversight and advice form part of the relationship from the outset.
We are not tied to a single product provider, asset manager or insurer. Our access to a broad range of leading financial institutions allows us to compare solutions across the market and recommend those we believe are most appropriate for your circumstances, objectives and financial plan.
Your investments should not be reviewed once a year and forgotten. Portfolio monitoring forms part of our ongoing service. We follow markets, investment positioning and material developments so that your portfolio can be reviewed when circumstances warrant it, not simply when the calendar says it is time.
Risk profiling, financial needs analysis, Records of Advice, portfolio reviews and ongoing financial guidance form part of our advice process. You should never hesitate to contact us because you are worried that every question will generate another professional fee.
We believe you should understand what you are paying and what you receive in return. Our ongoing advice fee is disclosed clearly and in writing before you proceed, together with the other product and investment costs applicable to your portfolio. No surprises. No ambiguity.
When you become an XPert Wealth client, you gain more than an individual adviser. Our team brings together experience across financial planning, law, tax, investments, healthcare, employee benefits and regulatory compliance - allowing different disciplines to contribute where your circumstances require them. And when you need us, you deal with people who know you and understand your plan.
XPert Wealth is based in Faerie Glen, Pretoria East - close to many of the individuals, families and businesses we serve. For us, accessibility means more than answering a telephone. It means knowing our clients, understanding their circumstances and building relationships that extend well beyond the initial transaction.
We do not measure success by what we sell you. We measure it by whether your financial plan works. Because the purpose of advice is not the transaction. It is the outcome.
Take the next step
No cost. No obligation. No pressure. Meet with the Xpert team and give us the opportunity to understand where you are today, what matters to you, and what you want your financial future to look like.
A relaxed, one-hour conversation with the Xpert team, at our offices or by video call, at a time that suits you.
What to expect
✓ A clear conversation about where you are financially today
✓ Time to understand your priorities, concerns and long-term goals
✓ An initial view of what an appropriate financial plan could look like
✓ An opportunity to meet the people who may be working with you
✓ A straightforward assessment of whether, and how, we can add value
✓ A clear explanation of our process, our fees and what happens next
✓ No pressure to complete paperwork or make a decision on the day
✓ Greater clarity about your next step, whether you choose to proceed with us or not
A first conversation should help you think more clearly about your financial future, not make you feel sold to. That is what you can expect from us.
