All advisers associated with EQ-FIN are representatives of Liberty Group Limited. Liberty Group Limited is an authorised Financial Services Provider (FAIS No 2409) and is a member of the Standard Bank Group.
WELCOME TO EQ-FIN
We’re thrilled to have you here!
Our aim is to make your journey of guided advice valuable and rewarding.
We are passionate about who we are and what we do…
This is why we live by our Vision Statement:
“Together, enriching people’s lives through the pursuit of meaningful experiences.”
The global currency of business is not money or crypto. It is TRUST.
Radu Palamariu
Let’s start with a relatable scenario…
We all understand the reluctance to visit the dentist despite knowing it’s necessary. Similarly, discussing your financial portfolio with an adviser can feel daunting.
However, it should be an enlightening and constructive experience, not unlike sharing your dreams and aspirations.
Honestly, it can and should be rewarding.
WELCOME TO EQ-FIN
We’re thrilled to have you here!
Our aim is to make your journey of guided advice valuable and rewarding.
We are passionate about who we are and what we do…
This is why we live by our Vision Statement:
“Together, enriching people’s lives through the pursuit of meaningful experiences.”
The global currency of business is not money or crypto. It is TRUST.
Radu Palamariu
Let’s start with a relatable scenario…
We all understand the reluctance to visit the dentist despite knowing it’s necessary. Similarly, discussing your financial portfolio with an adviser can feel daunting.
However, it should be an enlightening and constructive experience, not unlike sharing your dreams and aspirations.
Honestly, it can and should be rewarding.
PLANNING FOR THE FUTURE
Yes, we will have to discuss your finances. But first, we also want to listen to your dreams.
We advocate that Liberty’s financial advisers actively listen and then, more importantly, thoroughly understand your personal situation.
Everyone dreams about wanting financial freedom and realising unfulfilled dreams, either for themselves or their loved ones. It is such a different and uplifting experience when one can share these wishes and aspirations with a professional.
PLANNING FOR THE FUTURE
Yes, we will have to discuss your finances. But first, we also want to listen to your dreams.
We advocate that Liberty’s financial advisers actively listen and then, more importantly, thoroughly understand your personal situation.
Everyone dreams about wanting financial freedom and realising unfulfilled dreams, either for themselves or their loved ones. It is such a different and uplifting experience when one can share these wishes and aspirations with a professional.
QUESTIONS TO ASK
LET’S WORK TOGETHER
YOUR FINANCIAL PLAN
POINTS TO DISCUSS
QUESTIONS
TO CONSIDER
We prioritize understanding your personal situation and aspirations. We want to know what you want to secure for your family, create special moments, or change in retirement. By actively listening, we co-create a roadmap tailored to your dreams and goals.
Here are some questions that should make you think…
- What do you want to secure and protect for your family?
- How can you create memorable moments for your loved ones?
- What changes do you plan for retirement?
- How will your business evolve to ensure its long-term value?
- Where do you envision your children studying after school?
- How can you ensure both your and your loved one’s health?
- What steps will you take to enjoy life’s luxuries in your later years?
- How do you wish to be remembered, and how can you create a unique legacy to fulfill others’ dreams?
Talking to a person who listens, understands, and cares about you and your success should always be a fulfilling experience. This is where a Liberty financial adviser is so different…
We partner with you so that…
YOU GET TO GROW YOUR WEALTH
QUESTIONS TO CONSIDER
We prioritize understanding your personal situation and aspirations. We want to know what you want to secure for your family, create special moments, or change in retirement. By actively listening, we co-create a roadmap tailored to your dreams and goals.
Here are some questions that should make you think…
- What do you want to secure and protect for your family?
- How can you create memorable moments for your loved ones?
- What changes do you plan for retirement?
- How will your business evolve to ensure its long-term value?
- Where do you envision your children studying after school?
- How can you ensure both your and your loved one’s health?
- What steps will you take to enjoy life’s luxuries in your later years?
- How do you wish to be remembered, and how can you create a unique legacy to fulfill others’ dreams?
Talking to a person who listens, understands, and cares about you and your success should always be a fulfilling experience. This is where a Liberty financial adviser is so different…
We partner with you so that…
YOU GET TO GROW YOUR WEALTH
LET’S WORK TOGETHER
What a Liberty financial adviser could secure for you is a thorough, professional financial plan that aligns with your dreams as well as your current reality. It is essential this plan is constantly monitored, measured, and adapted to your personal life circumstances.
- We take a holistic approach to life’s challenges, making it easy for you to build a complete picture and a workable plan.
- Together, we co-create a roadmap that integrates your assets, as part of a financial plan for your future.
- It is through the sharing of your dreams, aspirations and thoughts with a trusted financial adviser that together you co-create a rewarding, personalised and fulfilling experience.
- It is after all, what you deserve.
In an ever-increasingly complex world of investing and financial planning, it is important to work with and trust a financial adviser who you know is qualified, knowledgeable, trustworthy and represents a respected company.
Remember this: Peace of mind is priceless...
A professionally qualified, registered financial adviser is your ticket to enjoying peace of mind in your financial affairs.
Just as business leaders rely on specialists to navigate the corporate world, having a dedicated financial adviser is crucial for individuals when financial questions arise.
This adviser acts as your financial specialist, providing answers or bringing in trusted partners as needed. Moreover, a great financial adviser should also serve as a confidante, understanding your aspirations and concerns, thus becoming a trusted advocate.
Some key aspects to consider…
- Professional Qualifications: Ensure your financial adviser is professionally qualified and registered.
- Specialist Support: Seek out a specialist who can provide tailored advice for your financial situation.
- Confidante Relationship: Look for an adviser who not only offers financial expertise but also serves as a trusted confidante.
- Listening Skills: A good financial adviser should prioritise active listening to understand your needs and concerns.
- Financial Planning: Work with your adviser to create a comprehensive financial plan tailored to your goals.
Additionally, financial planning is essential for achieving your life goals. No matter the size of your financial goals, only a detailed financial plan can make them a reality.
Some unquestionable truths we all share…
- Everyone wants to be debt-free.
- Everyone wants to own a home.
- Education is a gift of a lifetime for anyone, not only a child.
- Creating shared memories on a wonderful holiday is a privilege reserved for a few.
- Having cash one can access in challenging times is also priceless.
- Knowing medical costs are contained also helps one sleep better at night.
- Knowing your taxes are in order is so comforting.
- Just having a pot of savings is also very reassuring.
- And then, having the privilege of choice when one decides to retire is invaluable.
Get in touch with one of Liberty’s financial advisers today!
Let’s work together to create a professional financial plan that aligns with your dreams and goals.
YOUR FINANCIAL PLAN
Here is the reality…
Financial planning is for everyone!
Financial planning isn’t exclusive to the wealthy — it’s for everyone. Start crafting your financial future with a financial professional. Together, we’ll tailor a plan to match your unique circumstances.
The Liberty financial advisers are dedicated to realising your financial and lifestyle aspirations through thorough planning. By understanding your needs and goals, they provide personalised solutions.
We adhere to the 6-step financial planning process endorsed by FPSB and affiliated with FPI. Covering investment, retirement, and estate planning, this comprehensive approach charts your path to success.
STEP 01
Establishing and defining the professional relationship (the first appointment)
Read more >
STEP 02
Gathering information (Including your goals, timeframe and attitude of risk)
Read more >
STEP 03
Analysing and evaluating your
financial status
Read more >
STEP 04
Developing and presenting the financing recommendations
Read more >
STEP 05
Implementing the financial planning recommendations
Read more >
STEP 06
Monitoring the financial planning recommendations
Read more >
YOUR FINANCIAL PLAN
Here is the reality…
Financial planning is for everyone!
Financial planning isn’t exclusive to the wealthy — it’s for everyone. Start crafting your financial future with a financial professional. Together, we’ll tailor a plan to match your unique circumstances.
The Liberty financial advisers are dedicated to realising your financial and lifestyle aspirations through thorough planning. By understanding your needs and goals, they provide personalised solutions.
We adhere to the 6-step financial planning process endorsed by FPSB and affiliated with FPI. Covering investment, retirement, and estate planning, this comprehensive approach charts your path to success.
STEP 01
Establishing and defining the professional relationship (the first appointment)
Read more >
STEP 02
Gathering information (Including your goals, timeframe and attitude of risk)
Read more >
STEP 03
Analysing and evaluating your financial status
Read more >
STEP 04
Developing and presenting the financing recommendations
Read more >
STEP 05
Implementing the financial planning recommendations
Read more >
STEP 06
Monitoring the financial planning recommendations
Read more >
STEP 01 – Establishing and defining the professional relationship (the first appointment)
The first meeting with an adviser is always without charge or obligation as it is important to confirm that the client / planner relationship is appropriate for both parties. In this meeting we will provide you with information about the Liberty financial advisers, their competencies and services offered as well as establishing an understanding of your needs and requirements in order to assist you.
This first meeting is also about establishing a good working relationship and partnership between the Liberty advisers and defining the scope of engagement by:
- explaining the process to be followed
- identifying your needs and level of advice required
- being clear about what your and our responsibilities are and how decisions will be made
- giving you clear service package options
- discussing payment for services
- mapping out the process and obtaining your consent to proceed
STEP 02 – Gathering information (Including your goals, timeframe and attitude to risk)
The Liberty advisers will ask you to provide us with personal details, information pertaining to your current financial situation, commitments and short to long-term financial goals.
Your personal and financial goals will be defined and confirmed with you, and a timeframe for results will be set. Your objectives, concerns and aspirations will be discussed, as well as your attitude and appetite for investment and other risks.
In planning your financial future, we believe that all of these factors are critical to understanding your personal approach to financial planning and risk taking.
STEP 03 – Analysing and evaluating your financial status
This step involves analysing the information collected from you and assessing where you currently stand in relation to your goals. Depending on what services you require, this might incorporate analysis of the following:
• your balance sheet (assets, liabilities and cash flow)
• current risk (assurance) portfolio
• reviewing discretionary and compulsory retirement investments
• reviewing last will and testament and estate planning structures in place
STEP 04 – Developing and presenting the financing recommendations
Once your personal and financial information has been analysed your planner will develop a financial plan. This details the recommendations and strategies for achieving your goals and objectives. It will look at your existing financial arrangements and lay out a plan for the future, and will cover your assets, investments, liabilities and income. It will also, importantly, look at contingency planning and help you plan for any disasters which may arise. Your financial plan can also include a will and other estate planning structures, along with any other specific personal needs that you may have.
This plan will be presented to you, and the recommendations will be discussed and reviewed to ensure they are understood, along with any concerns that you, as the client, may have.
The Financial Plan will enable a review of all aspects of your financial portfolio:
• your balance sheet (lifestyle and investment assets and liabilities)
• your risk (assurance) portfolio
STEP 05 – Implementing the financial planning recommendations
This stage details the implementation process (action plan) and calls for agreement from you, the client. Your planner / adviser will record any agreed implementation plan and attach all the necessary documentation in support of the plan.
Other professional expertise will be brought in if required.
STEP 06 – Monitoring the financial planning recommendations
The final stage is about regularly reviewing the plan to make sure everything works for you. Your planner will look at any change in circumstances and, if necessary, change the plan to incorporate them.
Reviews are usually done annually but can be done more often if needed. This review is also a chance for you to ask any specific questions that may have come up or to discuss any concerns you may have. This proactive review is about making sure your plan really works for you, every step of the way.
POINTS TO DISCUSS WITH YOUR FINANCIAL ADVISER
Here are some considerations for you to discuss with one of our financial advisers
- Is your financial plan securely lodged with a credible adviser?
- Could you end up financially supporting aging parents in your own home?
- Have you and your partner set retirement dates and financial goals?
- Have you written a final letter for your loved ones?
- Where would your family find important documents after your passing?
- Have you shared passwords for account access?
- Have you decided how your life insurance funds should be used?
- How can your surviving spouse protect shared assets?
- Where is your Will kept?
- Do you have critical illness insurance?
- Is there financial protection for your children’s critical illnesses?
- Have you considered the financial implications of disability?
- Have you planned for a longer lifespan?
- Do you have a Living Will?
- Would you consider body donation for research?
- Have you authorised organ harvesting?
- Have you assessed if your estate leaves a legacy or debt?
- Does your Will address post-graduate studies funding?
- Have you written a “Letter of Wishes” for asset distribution?
- Does your estate planning specify payout recipients and timing?
- Have you designated Executors for your estate?
- Are you protected from healthcare system challenges?
- How does emigration affect estate management?
- When should the family home be sold for elder care costs?
POINTS TO DISCUSS WITH YOUR FINANCIAL ADVISER
Here are some considerations for you to discuss with one of our financial advisors
- Is your financial plan securely lodged with a credible adviser?
- Could you end up financially supporting aging parents in your own home?
- Have you and your partner set retirement dates and financial goals?
- Have you written a final letter for your loved ones?
- Where would your family find important documents after your passing?
- Have you shared passwords for account access?
- Have you decided how your life insurance funds should be used?
- How can your surviving spouse protect shared assets?
- Where is your Will kept?
- Do you have critical illness insurance?
- Is there financial protection for your children’s critical illnesses?
- Have you considered the financial implications of disability?
- Have you planned for a longer lifespan?
- Do you have a Living Will?
- Would you consider body donation for research?
- Have you authorised organ harvesting?
- Have you assessed if your estate leaves a legacy or debt?
- Does your Will address post-graduate studies funding?
- Have you written a “Letter of Wishes” for asset distribution?
- Does your estate planning specify payout recipients and timing?
- Have you designated Executors for your estate?
- Are you protected from healthcare system challenges?
- How does emigration affect estate management?
- When should the family home be sold for elder care costs?
THE FAMILY MEETING
We believe in facilitating “Family Meetings” as part of a robust financial plan. These interactive discussions ensure that your life-changing plans are protected from various risks, fostering mutual respect and trust between you and your adviser.
We invite you to talk to our planners at your earliest convenience about helping you get closer to the peace-of-mind results from pro-active positive planning. This is the passion that drives our everyday work.
OUR PURPOSE STATEMENT
We enliven our Purpose Statement every day:
EQ-FIN is on an entrepreneurial quest…
Advancing with excellence to create and secure inter-generational wealth by connecting people with bespoke life solution experiences.
The business holds every Liberty financial adviser and staff member accountable to the following values:
Accountability, Integrity, Humility, Respect, Honesty
We are free to choose our paths, but we can’t choose the consequences that come with them.
Sean Covey