A will is the way to protect your child’s inheritance

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It can certainly be said that South Africa has an orphaned children problem as some startling statistics have shown over recent years. The most conservative estimates say that between 3 and 5 million children have been orphaned here, 2.5 million of them by the AIDS pandemic alone!

Other facts are that over 100,00 South African children struggle right now to survive in child-headed households and that children who have lost one or both parents are at greater risk of dropping out of school. These are very sad reminders as we celebrate our youth in this month of June.

Loss through lack of a will

Of course much of the time the dire situations in which these children find themselves is due to the large number of parents who have been unable to provide for their children’s future. Incredulously though, even children from middle-class and wealthy homes have been beset with these issues simply because of the failure of their deceased parents to correctly draft a will!

The Government guardian’s fund

What many parents fail to realise is that even though they may have made adequate provision for their children’s future, when both parents die simultaneously, without a legally compliant will and the appointment of legal guardians, their children’s inheritance can become the property of the government under the Government guardian’s fund.

This is a less than desirable situation and you need only to have listened to the news in the past few years to know that although the fund is set up to protect the vulnerable amongst the young it has been subject to huge corruption, been closed for special investigation of fraud, and consequently often fallen short of its mandate.

An arduous process

Further to this, even when the fund is operating optimally the legal guardian of the children (if one has been appointed) should be able to claim for the child’s day to day expenses, like food, clothing schooling etc, but these are often delayed by a poorly administered and inflexible process (even during the pandemic) which can severely affect the child’s well-being.

Ignorance of the children knowing their rights is also an issue as, if they are not aware of the monies that were left to them being in the fund and they don’t claim it within 30 years after turning 18, it is forfeited to the state.

The will is the way

Parents of young children need to realise that your death poses some important questions – Who will administer your estate and have control over it? Who will you appoint as suitable guardians for any minor children? To whom will your assets be distributed?
As this article has so clearly pointed out failure to draw up a proper will can lead to disastrous and unintended consequences at a time when your family is most vulnerable, and it is critical to use a professional to draft your will.

At Hereford group our specialist Attorneys are at hand to guide you through this important process, ensuring that your will complies with the strict legal formalities prescribed by the Wills Act and ensuring that your true wishes, as simply and clearly as possible, are carried out.

Talk to us today to ensure that your will is the way to protect your children’s inheritance! Stay safe and stay positive!

A generation of wealth builders could change a nation

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On June 16th, every year, we commemorate our National Youth Day. We remember a generation of our youth that made their contribution, so determinedly and bravely, to the eventual demise of the previous apartheid regime. We salute them and say they should never be forgotten.
Today in our rainbow nation we celebrate all of our youth and through the words of the song ‘The greatest love of all’ we echo the sentiments that say ‘’I believe the children are our future, teach them well and let them find their way…”

Well, the emphasis here is on teaching them well because they certainly are our future, and the youth of our future will have to face different kinds of enemies like viruses, corruption and economic uncertainties.

A generation of wealth builders

Let’s face it, we need to create a younger generation of those who will help this country to build its economic wealth. Whether their choice is to be employed individuals or Entrepreneurs (who should be greatly encouraged) they need to be, from the day they earn their first buck, educated to be wealth builders.

So how do we do that? Well, one of the biggest problems we face is that many of our youth are simply not taught some elementary basics of wealth building at a young age, so perhaps we as the older generation (anyone out of their teens!) could try to pass on these four simple cornerstones of building a wealth portfolio to them… or as they say in Social Media terms, let’s share it!

Budget to save

From day one our youth need to be taught to budget, not just to have a budget, but to have a budget that takes all eventualities into account and especially allows for some saving!

Invest to grow

It is also not enough to save by simply putting your money in the bank. Currently, bank interest rates don’t even keep up with inflation. Astute investments that are flexible, long term and save on taxes can all be made with the help of a good Financial Advisor.
Prepare, protect and plan for the future

The three ‘P’s we have often spoken about are all part of this building process. We all need to think short term and be prepared for the unexpected and protected against it, so our invested wealth is not compromised, and we need to think long term too – like planning for retirement.

Seek Financial Advice and long term guidance!

Most importantly everyone seeking to embark on a course of wealth-building needs the advice and guidance of professionals in the field of wealth creation with whom they can build a lasting relationship and have their portfolio professionally managed all along the way.

Hereford Group is vested in empowering individuals with a diverse range of financial services that cover the full spectrum of their unique requirements. Whether our focus is on growing, managing, or preserving wealth, our services are individualised to cater for your particular needs. It’s this kind of personalised focus that sets us apart from the rest and sets you up for genuine financial freedom right now and in years to come.

Talk to us and together let’s create wealth and work on how we can contribute to the economy of our country and the education of our youth. After all, a generation of wealth builders could change a nation!

Stay safe – and stay positive.

It takes a conscientious nation to build an economy

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We recently celebrated Worker’s Day, an international holiday actually celebrated in many countries since 1891, but in South Africa, it has only been officially recognised and celebrated since the first democratic elections were held in 1994.

In South Africa, it reminds us of worker’s rights and the part trade unions and labour organisations played in the role of the abolition of Apartheid. Workers should be honoured as every working individual plays a role in the economy of the country.

From the basic labourer, in many ways the backbone of every country, to the Entrepreneurs and the corporate employees, we all contribute in some way to the fiscus, and it stands to reason therefore that the economy of the nation rests on the shoulders, not only of its Government but of its people.

Those who go through their working lives evading tax, drawing on every resource the state offers, spending all they earn and saving nothing for retirement, only to become a burden on the state at the end of their working life, are hardly contributors to the economy.

Ex UK Prime Minister David Cameron once said “The economy is the start and end of everything. You can’t have successful education reform or any other reform if you don’t have a strong economy.” So, to have a nation that works in every aspect, the economy is the foundation, and it takes a conscientious nation to build an economy. What can we as individuals at every level of earning (if one can be considered to be at a level of earning and not just surviving) do to make a worthwhile contribution?

Pay tax

As no man can live on bread alone, no country can survive without taxation income being generated. We all need to pay tax, but we can also ensure we are not being overtaxed. Those with wealth who are making good contributions need not be penalised and astute Wealth Advisors can assist with advice on how best to save for retirement and save on taxation at the same time. The government encourage savings like Retirement Annuities to relieve some of the financial burden of the state.

Have savings

Given that some of the poorest people in the workforce, earning a few thousand Rand a month, can often save some money is a testament to the fact that if we have a budget and are prepared to make even small sacrifices, we all can make some savings contributions toward a better future. Savings, as aforementioned, can save on taxes and in the hands of a good Financial Advisor, yield far better returns than when they are just sitting in a bank account.

Have protection

One of the worst things that can happen to the individual is to be incapable of working due to injury or some dread disease. When one is suddenly without income at all and without savings, or any form of insurance to cushion such events, it can be devastating.

Good medical aid cover, Dread disease cover and income protection are all designed to ensure that when the storm hits, as the pandemic has shown us, we can still keep our heads above water and not become a burden on the state – or anyone else.

Plan for retirement

One of the single largest burdens on the state is the distribution of pensions to the elderly, who have no retirement income. Anyone who has earned even reasonably good money should have made some retirement provisions, but incredibly thousands of people working for a company who have drawn early retirement funds have just spent them. Many business owners too, thinking the future will take care of itself, make no retirement provisions either.

Engage with an expert financial planner

As this so clearly illustrates, we all have an obligation to be a part of the growth of the economy of our nation. It also illustrates that the best way to achieve that, regardless of our level of income, is to engage the services of an astute Financial Advisor.

Hereford Group has, through our excellent team and wide range of services, been assessing the unique financial situations of individuals and businesses for over 25 years and offering solid solutions that enable them to live well and retire well, whilst making a real contribution to our economy.

Stay safe – and stay positive!

Working Mums can build wealth too

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We hope that this year in particular, following the incredible difficulties that they have had to face during the pandemic, that our Mums have been especially honoured and spoiled by their families.

It is a fact that during this time far more women lost their jobs than men, as they are generally not considered to be the breadwinners of the family, but this of course is not so. In South Africa, many children don’t have Fathers and so many women are, by circumstance, the sole breadwinners for their families.

For these working Mums, and even for some who are working to add to the family income, it can be tough to make any savings to try to build income for the future. It feels like just making ends meet is as much as they can do. Admittedly, in some cases, any sort of savings might be impossible but, in many cases, with a bit of effort working Mums can build wealth too.

It’s all about savings

Wealth building always begins with savings. If you never have anything to contribute to savings, then you are just surviving and not building wealth. Here then are a few tips that might just help working Mums to put some money aside to do this every month…

Budget to control spending

It is vital to understand exactly where your money is going every month. The first mistake many people make is not to create a clear budget always showing income versus expenditure. Once you know exactly what your expenses are – you can control your spending and look at ways to cut costs to create savings.

Find ways to keep a tight budget

If you see that expenditure is exceeding income you’re heading for disaster. So look for areas where you can cut costs. Do you really need that gym contract when you could just as easily be working out at home? Do you need to eat out to save time when you could be making food at home, or could you save on buying take-outs by making large pots of healthy food that serve as frozen heat and eat meals?

Use your rewards

We live in a world that offers rewards on just about everything. Use all these opportunities to save. The savings on a dozen rewards cards, if you are using them constantly, could be hundreds of Rands a month.

Live a virtual life

As a working Mum in your own business try to work from home. The savings on petrol, office rental and time have proven to be significant for many small businesses. Even if you can’t do that take to online shopping wherever you can. There are numerous savings to be had when seeking the best buys online, and again time and petrol can be saved.

Constantly review

Don’t just go with the same short-term policy or medical aid that have been covering you for years for things you no longer even have or use, or services you no longer need. A good short-term insurer will be happy to review and adjust any policies you have, and sometimes significant savings can be made here.

Work with a Financial Advisor

Probably the best advice we can give you is to seek the assistance and guidance of a professional Wealth Advisor. Our highly trained Advisors at Hereford Group not only assist the very wealthy but care about anyone who has a desire to build wealth. Who knows? – with some astute wealth planning you could become one of those high rollers too!

Remember that we understand every aspect of saving and also remember that protection in the form of dread diseases and disability insurance, and income protection, for example, are also necessary to ensure you are covered when disaster strikes. There’s no point in saving if you are continually suffering setbacks.

Talk to us and let us assist you to create a wealth portfolio that works within your limitations and is customised for your needs.

Stay safe Mums – and stay positive!

Dispelling medical concerns is all about good cover

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Finally, the COVID-19 pandemic has released the steely grip it had on our country for most of last year and we are now well into level 1 restrictions and the roll-out of the preventative vaccine. We are, however, far from being able to be complacent and we all need to remain vigilant and compliant with mandatory procedures.

What many of us may be reflecting on right now is whether we feel that we got through this pandemic with adequate protection in place. Did those who became seriously ill have adequate medical aid that covered all costs?

Did those who lost their jobs as a result of extended illness, and more commonly those in their own business who lost income due to illness, have adequate protection against such losses?

Sadly and tragically many families who lost loved ones who were breadwinners, found that their families were not adequately covered to continue as before without the person they had lost.

Something that is always with us

We can’t blame the pandemic alone for the fact that these kinds of issues arose either. This CORONA-19 virus is just one of many illnesses from which people become seriously ill and succumb to all the time.

Simply getting into our cars to go to work we are at risk and this is one of the highest statistical risks of fatalities of all. Simply put, whether we like it or not, the likelihood of having to deal with some kind of illness, or medical issue resulting from some source or another is with us all the time.

What is the solution?

If the pandemic brought one thing home to us it is that we can only protect ourselves to a certain extent and the unexpected can always happen. What is in our control however is to minimise the damage when it does. Simply put, dispelling medical concerns is all about good cover!

Peace of mind is attained by putting the right plans in place to ensure that when life happens you and your family can continue without being totally derailed. A good medical aid plan designed to meet your specific needs, dread disease cover, disability cover, income protection and of course effective life insurance from which your family can benefit, are all designed to afford you the best protection possible.

Consult the experts

Hereford Group has for over 25 years been dealing with assisting people to ensure that their medical risk and the collateral damage resulting from it is minimalised if not entirely eradicated.

We understand and focus on the fact that everyone is an individual and every business has differing needs, but we all face certain common elements. Our specialist Financial Advisors are trained to include all the risk protection that you need within every well-structured wealth portfolio.

However, without your health the fortunes you amass will mean little, so look after yourselves, stay alert and stay safe – and talk to us – We’ve always got your back!

Couples need to be in tune to attain true financial freedom

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It seems like a long time ago that our ex-President Nelson Mandela took his long walk to freedom, an event that turned the eyes of the World on South Africa. It was a time of hope and the expectation of a new and better country.

The very idea of freedom sparks hope and the possibility of new beginnings. When we celebrate our Freedom Day this month it will remind us that we now all have the right to vote, the very essence of democracy, and we will celebrate it with relish.

What freedom do you value most?

There are many types of freedom and some are valued more than others, depending on what you, the individual, believe to be the most important. It is quite a personal thing. For some, it is the freedom to vote, for some the freedom of choice, for some the freedom to be single and for some the constitutional freedom to practice your religion and have freedom of speech etc.

One freedom that is almost always a favourite however is financial freedom – the attainment of finally not having to rely on an income from another source but to have what you need to get what you want.

For most couples this financial freedom on retirement is a goal, but to ensure that you have a common goal in terms of how you achieve it, there are other things to consider. Remember that just as we celebrate our nation’s freedom because it gives us all common benefits, couples need to be in tune to attain true financial freedom.

A few important points for retiring couples to consider…

  • Discuss common goals – There is little point in making financial plans when you are not attuned to common goals for what you want to attain from retirement and wealth in general. Share these with your Financial Advisor too so he or she can help to attain what you both want.
  • Be aware of age differences and retirement deadlines – Take cognisance of the fact that if you have any sort of age difference, even of a couple of years, the chances are that you are unlikely to reach retirement age at the same time. Unless you are in your own business you need to take this into account, remembering that on retirement you will not have the same lifestyle as your partner.
  • Seek professional financial advice – There are various ways that a good Financial Advisor can assist you to get the maximum benefits from operating as a couple and maximise your investments and savings. There are tax benefits given according to income, and dual incomes sometimes affect these. There are also important considerations that need to be made concerning saving and investing together or individually, and when to draw on individual retirement and investment packages.

We understand and plan accordingly

At Hereford Group we have prided ourselves over the last 25 years on recognising that every individual and every couple is unique and will have their own special requirements. Our expertly trained Financial Advisors are aware of not only the benefits but also the common pitfalls that retiring couples can face.

Allow us to become a part of your retirement plans as early as possible so that we can best assist you, as a couple, to happily achieve the Financial freedom you both want to enjoy.

Retirement funds changes herald a vital necessity for reform

On the 1st March this year better known amongst the financial community as ‘T’ day, a retirement reform initiative that our Government has been rolling out for a while now, took another step forward in the form of three further significant changes.

Provident fund changes

Without going into too much detail (much more can be learned from your Financial Advisor) Provident fund members under the age of 55 as of 1st March will need to take a portion of their retirement benefits in the form of an annuity – so this is also referred to as ‘annuitisation’.

This will align provident funds with pension funds which allow members to only draw a third of income at retirement and the balance is to be used as income in retirement. It’s important to note that T-Day changes only affect contributions made after T-Day and as provident preservation fund members cannot make contributions, existing members of provident preservation funds will not be impacted by these changes.

Portability allows tax benefits

The second change allows for greater ‘portability’ of retirement benefits across a much wider range of retirement funds. As a result of the alignment of retirement funds, members can transfer their benefits ‘tax-free’ to a wider range of retirement funds after T-Day. For example, members of pension funds will now be able to transfer their benefits to a provident fund ‘tax-free’, whereas this is currently taxed.

The third change will be made to the current pre-retirement ‘emigration’ withdrawal requirements for members of Retirement Annuities (‘RAs’) and pension/provident preservation fund members. Anyone considering emigration should talk to a Financial Advisor to get more detail on this.

What is this ‘Retirement funds reform and what are the objectives?’

For quite a long time there have been concerns about aligning various forms of pension but mostly what the government seeks to achieve is:

  • The encouragement of savings in the form of pension funds to provide for a decent retirement – currently well below par in terms of the general population
  • To encourage good governance and responsibility amongst employers to structure retirement saving plans for their employees as part of the employment contract
  • To ensure that members of retirement funds are fairly treated and receive good returns for their retirement savings
  • To generally improve the standards of retirement fund governance

We concur that these are all worthwhile initiatives and given that most of our population are woefully underinsured in terms of retirement they are very necessary reforms.

Some alarming realities

The 10X South African retirement reality report for 2020 makes for some sobering reading. it says that even prior to COVID-19 and the massive impact it had on our economy “South Africa was sitting on a retirement timebomb, with the data aligning very closely to a widely quoted National Treasury statement that only 6% of the country’s population was on track to retire comfortably!”

Ignorance of the kind of savings that will be required to retire comfortably did not even rank as the highest reason for this issue but rather the reality that few South Africans were even adequately prepared to face the COVID-19 situation and therefore saw retirement savings as a ‘nice to have’ rather than the necessity it is.
Worst of all, complacency amongst those on a retirement plan with employers was also an issue and as the report states; “more than 60% of those who had been (or still were) members of an employer’s retirement fund said they knew little or nothing about the fund or were not interested!”

Sound financial Advice lays a foundation for long term goals

It is only through sound financial planning that some are withstanding the battering of the pandemic and have sound retirement plans in place. At Hereford Group we understand the unique circumstances of every individual and business and it is all taken into cognisance before any long-term planning is strategized and implemented.
Talk to us before throwing up your arms and surrendering to circumstance. If there is a better way, we’ll find it and have you back on a path that includes retirement plans for a great future.

Stay positive and stay safe.

Will your holiday of a lifetime become a lifetime of holidays?

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Once again, our COVID-19 restrictions have been relaxed a little just prior to the Easter holidays and many of us, a little more cautiously than before the second wave, will be gingerly dipping our toes back in the water as we enjoy the family vacation.

Some of us will be just visiting family and friends as budgets are tight – and some may even be winging their way to exotic destinations because we were a little more astute in our financial planning and managed to see the worst of the pandemic through quite comfortably.

A few of us will even be experiencing the proverbial ‘holiday of a lifetime’ because despite the pandemic we had a good year – and yes, believe it or not, there are plenty who are in that position.

Whatever your circumstances are right now, however, almost all of us will have had to struggle a bit to get the time out of our busy schedules to take a vacation. For many of us, during our most productive years holidays are a luxury and one of the great ironies of life is that those who can most afford to take holidays can usually least afford the time to do so!

Take time to consider taking holidays for a lifetime

So, assuming you have made the time and the money, while you are enjoying your holiday of a lifetime this Easter, take a little time to ponder if when you have all the time in the world – will you still have the money to take great vacations?

In a recent article we drew attention to the 10X South African retirement reality report 2020, that makes it ominously clear that due to lack of savings, planning, ignorance of the realities of the value of money in the future and worst of all sheer complacency, very few South Africans will retire with even enough money to live on – let alone have money to take real holidays.

Wealth planning requires maintenance

Just like you need those annual vacations to ensure your health and wellbeing, your future rests on working constantly with your wealth planning specialist to ensure your wealth portfolio is up to date and in a healthy condition.

The creation of wealth is just the beginning. The strategising and structure of a wealth plan that takes all eventualities (like the recent pandemic) into account and plans a solid future around astute investments requires constant review.

Hereford group’s value proposition for the individual focuses on what products in every client’s portfolio needs and most of these need to be reviewed on an annual basis. Personal financial planning, Investment Management, Estate Planning, Domestic insurances and Fiduciary services can all be obtained through your Hereford Group of Financial Advisors, who will advise you on when and what needs to be constantly upgraded.

Wealth creation is a long-term goal which like any other goal needs to be revisited, adapted to current circumstances, and constantly improved upon to ensure your portfolio aligns with what you will need upon retirement.

Talk to one of our knowledgeable, experienced Advisory team today and find out that we don’t sell policies – we assess your unique circumstances and long-term goals and set about turning your holidays of a lifetime into lifelong holidays!

A second wave reminder that financial plans need to be resilient!

So we have entered into the second year of the pandemic that has shaken the world to its core and we in South Africa are facing a second wave of COVID-19 which has been exacerbated by our own second strain.

Eskom started the year with its load shedding disruptions and so as the old saying goes ‘Africa is not for sissies.’ It isn’t going to help us however to just throw up our arms and surrender or even to fear the future.

South Africans are resilient and will fight back against all odds, so let’s look at what we can do to stand firm against what seems to be a constant bombardment of difficult circumstances.

From a financial and long term planning point of view, this second wave is simply a reminder that our financial plans too need to resilient. We achieve this through a three-pronged approach. These are: budgeting correctly to ensure financial stability; making savings on operational costs wherever we can and ensuring we retain a holistic, well-constructed long term financial plan.

Take stock and budget carefully

We need to ascertain exactly what losses we may have suffered, if any (some businesses report doing better business than ever despite the pandemic) and ensure we budget accordingly.

Budgets need to be tight, contain records of all income and potential income and expenditure in particular needs to be contained and correctly predicted, even if it means breaking it down into smaller portions to ensure that all spending is covered.

Ensure you have taken taxations, holidays and poor months into account and base your expected income projections on mean averages of past performances – not on the good months you think you may have. We really don’t know how long or how many waves we will have to face before we are done with this pandemic.

Remember too that profit is not just what remains after expenditure is deducted – savings for growth and expansion is an essential part of every budget.

Take advantage of what you can

Financial budgets, when there are so many advantages to be had from more people working from home, should be aligned with the new ways we operate and the lessons learned from the financial knocks we have had to take. Accountants need to be creative as businesses become more streamlined and self-contained and begin to look to alternate operational methods.

There are massive savings to be had through cutting costs on petrol allowances, time wasted travelling and on hiring office space, especially as the year progresses and some commercial rental leases start to expire.

Holistic, resilient long term financial plans

No matter have many waves we have to face, or how many times we get knocked down, one lesson we should have learned by now is that it is better to float than to swim against the tide!

Long term, well-constructed resilient financial plans that offer solid buffers against unexpected events (like income protection and dread disease cover), as well as wealth creation and retirement planning, must be retained and managed until the storm has passed.
The past has taught us that like all other challenges these too will pass and there will be a season of great abundance and harvesting of the seeds we plant and nurture today.

We understand that every challenge is unique

Hereford Group has built a reputation over the last 25 years on understanding that no two financial plans or portfolios are necessarily alike, as we and our businesses are all uniquely different.

We don’t sell policies, we construct futures, and your situation may not be as difficult as you think it is if you simply allow one of our expertly trained and experienced Financial Advisors to review your short and long term plans and requirements.

Contact us today to stop fearing the future and start building buffers against however many waves or challenges life may throw at you. Stay safe – and stay positive!

Romance is fine but a life together needs sound financial planning!

Ah, the month of romance has come and not a moment too soon. Some light relief from the last year we have endured is very welcome and although this Valentine’s Day may be a little stifled as we lock eyes across a candlelit table wearing masks, some of us will be reflecting on the past when we made our true love vows – and are now planning a life together.

If you are, we congratulate you – nothing can be better than the joys of marriage and the children we someday hope to raise. It makes life complete and fulfilling, but from the outset do be aware that finance in a marriage can be your best friend – or your worst enemy!

Don’t let financial differences be an issue

How often have we heard that financial ‘differences’ were cited as a reason for divorce? In most cases, this need not have been the case if only sensible financial rules and planning had been addressed right at the beginning of the relationship. So, romance is fine but a life together needs sound financial planning – and here are few good tips on how to do that…

Appoint a family F.O

It may sound ridiculous, but every marriage needs to appoint one or other partner as the Financial Officer. This does not mean all financial decisions need be made by that person, but someone, whoever you believe to have a better grasp on financial matters, should be appointed to ensure the family budget is prepared and adhered to as you go through each month.

Remember romantic partnerships are just like any business. Wherever income is being earned a responsible alignment of income and expenditure needs to be recorded and managed by one of the partners.

All financial decisions regarding the allocation of funds for whatever expenditures are required can be a mutual decision, but do make sure someone is at all times watching and controlling your bottom line.

If you don’t budget and allow spending to supersede income, your marriage will be no different than any badly managed small business – you will be in for an early demise!

Appoint a ‘referee’ is needs be

In some cases where couples really struggle to decide on expenditure and what is fair or not, then do what two sports teams do when they take to the field – appoint a referee to ensure that there is an objective third party making astute financial decisions for you.

A good Financial Advisor has both your interests at heart and ultimately just wants to ensure that you are protected, prosper ad retire comfortably – which are probably your financial goals – or are they?

Set short and long term goals

Decide together on your financial goals. Where do you want to be and what do you want to achieve in the short, medium and long term? If you have children what do you envisage for their education and future? Do you consider being protected against the kind of storms we have recently been facing as important?

Get solid financial advice right from day one

Don’t wait until you are in a desperate situation financially, or on the brink of divorce, to include a Financial Advisor in your present financial management and future planning. Even if you feel you can manage your own finances there is so much that they can do for you to ease the burden of important financial decisions and give you the peace of mind of knowing that your relationship is built on a foundation of solid expert financial advice.

At Hereford Group we treat every newly married couple as unique individuals with their own plans and needs, taking them, with our expertly constructed personal financial planning program, through every phase of their financial growth – past the point of wealth creation – to the point of wealth preservation.

Speak to a Financial Advisor today. We can’t help you find romance this month, but once you’ve found it we can help you plan for a life together based on sound financial planning!