A full range of financial services, risk assurance, investments, short-term insurance and health care solutions are offered to individuals and businesses. Our experience, high skill-base and reputation within the industry enable us to offer our clients the best service and the most sound advice regarding your most valuable assets.
Whether you require sound investment advice, efficient asset management, committed financial planning or affordable health insurance TW Broking has the answers you need.
Individual Financial Planning
You may have a need to provide for your finanancial dependents in the event of you losing your ability to earn an income, or perhaps you require life cover as a requirement to get that bond for that property of your dreams. We can assist you with these, and many other, risk insurance requirements. TW Broking offers personalised financial planning to our individual clients, taking into account their personal circumstances in order to develop a solution to best suit their needs. We provide all forms of risk insurance (life, disability, dread disease, income replacement cover etc) and as a result of not being affiliated to any one insurance company we are able to recommend the best product on the market to fulfill our client's needs.
Running a business is fraught with risk. In a moment, an unexpected death or disability can destroy the business you've worked so hard to build. Banks may call in loans, surviving business owners and the deceased's heirs may become embroiled in bitter ownership battles. Client's may lose confidence and flee to competitors and your family and heirs may not receive what is due to them. How do you retain important employees, or protect your income and meet your monthly overhead expenses if you are unable to work? How will you finance future growth and expansion? TW Broking offers a complete range of business solutions designed to address these scenarios. Our services include, amongst others, providing the best insurance cover for to fulfill these needs as well as drawing up of relevant agreements.
TW Broking is able to select the strengths of the top asset managers to create diversified portfolios that best suit our client's individual investment needs. The investment vehicles used include collective investments, endowments, education plans and retirement annuities which can be either lump sum or recurring investments. The choice of investment takes into account the client's needs, investment costs, time horizon, personal circumstances, risk profile and looks to maximise tax efficiency. The ability to compare products across a number of companies means that we are able to ensure you get the best suited investment with the lowest costs. So if you are wanting to save for your retirement, that overseas holiday or for your children's education, give us a call and let us assist.
Short Term Insurance
Short term insurance covers the individual’s assets, such as car insurance and household insurance as well as corporate and business insurance. At TW Broking we have partnered with highly skilled and competent administrators that ensure that our clients receive efficient service, and experienced management will source effective risk solutions suitable to our client’s individual needs both corporate and personal.
Medical Aid Advice
The expense incurred as a result of a medical emergency is one of the things likely to put the biggest strain on any individual's financial well being. TW Broking offers a range of medical aid products to both individuals and companies. These range from basic "hospital plans" to more comprehensive medical aids. For those who already have a medical aid which best suits their needs, we also offer advice on "gap cover", which provides for any shortfalls in payment you may experience with your medical aid.
TW Broking advises on, and administers, pension and provident investment funds as well as providing risk benefits for employees. A pension or provident fund is highly recommended to provide both retirement and risk benefits for your employees. We understand the benefits and returns, needs and objectives, both of the company and the employee regarding the investment in a pension fund.
Wills and trusts
Even though a will is the most important facet of any financial plan, surveys show that as many as 95% of South Africans do not have a valid will! TW Broking
, together with our partners, are able to provide advice on, and assistance with, the drawing up of a will. We also advise on trusts and the benefits of setting one up. Even if you choose to do nothing else, make sure you have a VALID will today! There is more information on the need to ensure you have a valid will