Investment & Financial Advisory Firm | Investinum
Investment & Financial Advisory Firm | Investinum
We connect your investments, retirement funds, risk protection, healthcare and estate planning so that each decision supports your wider financial position.
Financial decisions rarely stand alone. A change in your income, family, business or retirement plans can affect the protection you need, the investments you hold and the way you plan for the future
Our financial and risk solutions are designed to help you:
Smart financial planning should help you understand how one decision affects another. Risk protection, healthcare, retirement and estate planning form part of your financial position. Instead of handling them as a list of separate policies, we assess how each supports your investment or financial plan.
Bring your investments, protection, retirement and wider financial arrangements into one structured financial view.
Plan for the capital, income and financial arrangements you may need before and throughout retirement.
Consider how your estate planning and will align with your assets, investments, responsibilities and broader financial plan.
Assess the financial effect of death or disability and structure appropriate protection around your circumstances.
Protect your income in case illness or injury prevents you from working.
Consider healthcare funding and potential medical cost exposure within your wider financial position.
Consider offshore financial arrangements as part of your overall strategy rather than as a separate financial decision.
Poor protection can weaken an investment strategy. A retirement plan can change the income protection you need. Estate decisions can affect how assets and investments should be structured.
Before we advise on a course of action, we make sure you can protect the steps you take. The aim is not to add more policies or products, but to make sure the financial decisions you make support the overall plan.
Investinum works with business owners, professionals, senior executives and people approaching or already in retirement whose financial position may extend across investments, property, business interests, protection and future estate considerations.
It can include comprehensive financial planning, retirement planning, estate planning and wills, life and disability cover, income protection, medical aid and gap cover, and offshore financial planning.
Because one financial decision can affect another. Your protection needs, retirement income, healthcare costs and estate planning can all influence how an investment strategy should be structured.
Yes. Estate planning and wills are considered as part of your wider financial position rather than as an isolated decision.
A review becomes particularly relevant when your income, family, business circumstances, retirement plans or financial objectives change materially. Ongoing review helps ensure your arrangements continue to reflect your actual position.
Income protection generally provides an income benefit when a qualifying illness or injury prevents you from working. Disability cover may provide a lump-sum benefit following a qualifying disability event. The appropriate structure depends on your circumstances and the terms of the relevant product.
Existing arrangements are an important starting point. We review what you already have, how the different parts fit together and whether there is a sound reason to retain, simplify or change them.
Yes. Healthcare arrangements can be considered alongside your wider healthcare costs, protection needs and financial position.
Yes. Offshore financial planning can form part of your broader financial strategy rather than being treated as a separate decision.
Bring your investments, protection, retirement and other financial arrangements into one clearer view.
Bring your investments, protection, retirement and other financial arrangements into one clearer view.