At GoPlan.space we don’t believe in “one‑size‑fits‑all”. Each of our services is a stand‑alone expertise—yet designed to click together like building blocks. Select only what you need today, add or remove modules as life evolves, and pay a transparent fee for the value you actually use.
1. Life‑Stage Financial Planning
From your first payslip to your post‑retirement legacy, we map cash‑flow, tax, investment and risk scenarios for every chapter. Our proprietary LifeMap™ model stress‑tests 10 000 market paths so you can see, in real time, how choices made at 25 echo into 65 and beyond.
Deliverables: Personal balance‑sheet audit, accelerated‑debt plan, investment policy statement, annual roadmap review.
2. Bespoke Investment Management
Whether you favour local rand‑denominated assets or global multi‑currency exposure, our CFA‑led desk constructs evidence‑based portfolios with a laser focus on costs, liquidity and behavioural coaching. All mandates are executed on discretionary or advisory terms through FSCA‑approved platforms.
Specialities: Core‑satellite ETF blends, direct offshore brokerage, tax‑optimised passive funds, ESG impact screens.
3. Retirement & Pension Optimisation
Retirement Annuity? Preservation Fund? Living Annuitisation? We untangle the jargon and run multi‑scenario glide‑paths that balance longevity risk, drawdown rules and Section 11 (k) tax relief. Our advisors also consolidate dormant corporate pensions to cut duplicate fees and unlock better fund options.
Bonus: Trustee liaison and SARS provisional‑tax hand‑holding included.
4. Risk & Insurance Architecture
We scrutinise every policy—life, disability, dread disease, income protector—against current needs and market benchmarks. Expect a 360° gap analysis, under‑ or over‑insurance alerts and tender‑style re‑quotes from SA’s top insurers, all commission‑free.
Outcome: Leaner premiums, stronger cover, no hidden exclusions.
5. Estate & Cross‑Border Planning
South Africans increasingly hold assets across jurisdictions. Our cross‑border attorneys craft wills that comply with both local Master’s Office rules and offshore probate requirements. Structures include inter‑vivos trusts, usufructs, and Section 9H CGT rollover strategies for emigrating families.
Perks: Annual executor‑fee negotiation and secure digital vault for all legal documents.
6. Entrepreneur & Expat Advisory
Founders, freelancers and expats face unique cash‑flow and tax headaches. We integrate business valuations, Section 12J venture incentives, and double‑tax treaties into a single dashboard—plus live cap‑table modelling for equity‑rich start‑ups.
Add‑on: Quarterly board‑pack summaries ready for investors and auditors.
Engagement Process
| Step | What Happens | Your Time Commitment |
|---|---|---|
| Discovery Call | 30‑min Zoom to align goals, pain points and timelines. | 30 min |
| Data Deep‑Dive | Secure upload of statements; we build your Financial DNA profile. | 45 min |
| Strategy Draft | We present interactive models; you tweak assumptions live. | 60 min |
| Implementation | E‑sign mandates; we execute across chosen platforms. | 15 min |
| Ongoing Coaching | Quarterly pulse checks + annual full refresh. | 1–2 hrs/yr |
Transparent Fee Menu
- Life‑Stage Plan: R 9 950 once‑off
- Investment Mandate: 0.60 % tiered to 0.25 % p.a. over R 10 m
- Retirement Optimisation: R 6 500 setup, R 3 000 p.a. oversight
- Risk Audit & Tender: R 4 500 flat (savings often 15–30 % of premiums)
- Estate Blueprint: From R 7 800 (multi‑jurisdiction POA on request)
- Entrepreneur Suite: Quote‑based, starting at R 12 000
All prices incl. VAT and full FSCA compliance. No hidden commissions, ever.
Value Accelerators
- Real‑Time Portal: Review net‑worth snapshots, performance metrics and fee drag any time, anywhere.
- WhatsApp Trade Alerts: Instant pings on portfolio rebalances or market‑moving events.
- Education Hub: Free quarterly webinars in English, Afrikaans and isiZulu to keep your family financially fluent.
- Impact Tracker: See how your ESG holdings score on carbon intensity, gender equality and UN SDG alignment.
FAQ Highlights
Q: Can I start with one module and add more later?
Absolutely. Think of GoPlan.space as a plug‑and‑play toolkit. Your data lives in one secure ecosystem, so layering new services is seamless.
Q: Do you earn commissions on insurance?
No. We rebate 100 % of risk‑policy commissions back into your policy to lower premiums. Our remuneration is the flat assessment fee.
Q: What if I relocate overseas?
We already serve clients in the UK, UAE and Australia. Your adviser simply adjusts the regulatory wrapper and tax assumptions—no need to “start over” with a new planner.
Ready to Start?
Book a complimentary strategy call or explore our interactive fee calculator to see exactly what your customised plan could look like.
GoPlan.space – Finance that moves with you.