011 440 6750
Services
Through a rigorous financial planning process, Octagon Financial aims to provide clients with comprehensive, professional and unbiased advice when it comes to wealth preservation. This process includes:
- Reviewing and analysing the clients' existing portfolios;
- Assisting clients with maintaining the desired balance of investment income, capital gains, and acceptable levels of risk by using proper asset allocation;
- Assisting with tax allocation and maximisation of investments over the desired period of time.
Our primary objective is to ensure that our clients can retire with optimal wealth and peace of mind.
Services
- Estate Planning
- Personal Risk provision planning
- Business Assurance
- Employee Benefit consulting
- Octagon Short-term Insurance
- Treasury
- Corporate Financial Planning
- Offshore investing
Estate Planning involves arranging, managing and distributing the assets in a person's estate. It incorporates the drawing up of specific plans with regard to your assets and liabilities once you have passed away. This is done so that the beneficiaries of the deceased can receive the greatest benefit from such assets. Essentially, estate planning ensures that when you're gone, your family is taken care of.
Our Financial advisors are able to assist clients with the setting up of wills, trusts, beneficiary designations, powers of appointment, property ownership (joint tenancy with rights of survivorship, tenancy in common, tenancy by the entirety), gift, and powers of attorney, specifically the durable financial power of attorney and the durable medical power of attorney.
Furthermore, our advisors are equipped to help clients with creating a living will including specific arrangements such as burial/cremation, as well as providing for the deferment or minimisation of estate taxes and the winding up of a business in the case of death.
Personal Risk provision planning (Life Cover)
A critical component of the financial planning process includes the analysis of a clients' existing risk provisions and a comprehensive analysis in terms of live cover, dreaded disease/severe illness cover, income replacement and disability protection.
OFS holds contracts with all the leading insurance companies in the country and is therefore able to offer independent and impartial advice on the cream of the crop insurance products.
We assists those clients who are business owners with determining the correct level and type of insurance for its directors and employees. This includes constructing appropriate key-man policies and expert advice in buy and sell agreements and policies. Once again, our independence and access to the market's top brands allows us the freedom to provide supreme advice
Our Employee Benefits consulting division offers advice and designs tailored solutions for employers with regards to their group risk assurance, medical aid and retirement funds benefits.
Our consultants work with our clients to identify their employee benefit needs and objectives and then develop, design, implement and manage an employee benefit plan which aims to meet those needs and objectives. A typical plan will include one or more of the following:
- A Retirement Fund: this is usually either a pension or provident fund which aims at assisting employees to save for their retirement;
- Group Assurance: this provides benefits to employees and their families in the event that the employee is injured, becomes ill or passes away prior to reaching retirement age; and
- Healthcare: this assists employees to pay for their and their families medical expenses.
Octagon takes the hassle out of short-term insurance by 'shopping around' for the most competitive rates and cover for all of our clients' personal and commercial insurance needs.
Our team of qualified and dedicated consultants strive to offer you a world-class and professional service, providing you with finest product solutions.
Furthermore, we work tirelessly to ensure that your claim process is as seamless as possible by following up directly with the insurance companies on your behalf. It is this commitment to service excellence, as well as our relentless passion for competence, that makes us excel in our industry.
The Octagon treasury team offer a comprehensive range of products and services that can easily be tailored to meet your specific requirements.
Foreign Exchange
24 hour global order monitoring as well as competitive spot and forward pricing in major global currencies.
Risk Management
Professional and expert guidance in the risk management of your Forex liability. We will assist in the development of a specific strategy for your unique needs.
Deposits
All aspects of your local and foreign funds can be managed and deposited at competitive market rates
Capital Protected Products
Our team will create deposits offering capital protection with the option of receiving a premium rate linked to the performance of an exchange rate, commodity or index.
Tax clearance and other foreign exchange allowances
We will assist in obtaining the following allowance:
- Tax Clearance certificate for foreign allowances
- Annual travel allowances going into a bank account
- Annual discretionary allowances for maintenance and gifts etc
- Paying out beneficiaries of deceased estate that now reside overseas
The Octagon Financial team of corporate financial advisors is ideally positioned to help trustees of retirement funds better serve the needs of the individuals within the fund. They are able to communicate in most of South Africa's official languages and operate country wide.
By effectively utilising the services of our financial advisors the boards of trustees are able to complement and enhance their service to the individual members within the fund. Some of these services include, amongst others:
- Member communication;
- Financial training and development
- Pensioner outsourcing
- Fund migration and consolidation
- Writing of reports;
- Financial Education seminars
- Retirement, resignation and retrenchment advice to members of the fund
As trustees are usually also employees of the organisation, the time that they are able to dedicate to fund matters is often limited. Octagon Financial takes away the hassle from the trustees and facilitates the communication between trustee, member and employer
Finding the right offshore investments can be a key factor in making the most of your wealth. And, with a few well-advised decisions you could broaden your investment portfolio.
Our offshore investment division is renowned for its astutue investement strategy decisions. We offer a focused range of funds that expose our clients to various geographic regions and asset classes that aim to generate long-term
Capital growth whilst keeping volatility to a minimum. Our range of offshore investment products and services include;
- An assortment of investment funds
- Highly skilled international offshore investment specialists
- Commodity investment opportunities
- Currency trading facilities
- Offshore investment advice
- Structured products
By effectively utilising the services of our financial advisors the boards of trustees are able to complement and enhance their service to the individual members within the fund. Some of these services include, amongst others:
- Member communication;
- Financial training and development;
- Pensioner outsourcing;
- Fund migration and consolidation;
- Writing of reports;
- Financial Education seminars
- Retirement, resignation and retrenchment advice to members of the fund
