HOLISTIC

financial planning

We are given many things in life for free. They're the things that we often take for granted – but they're crucial to living life.

One of these freedoms is quickly programmed out of us, and then when we are deemed responsible... it's thrust back into our hands. This freedom is the freedom of choice.

Being new to making our own adult choices, we often work inside of the obligations placed on us - which essentially limits that freedom of choice. Changing this mindset means that we need to ask different questions; questions that will bear the marks of our individuality. This is what I'm good at. Finding out who you are, who you want to be and then walking with you as you make and live by your choices .

If you're brave enough for this journey – then let's go!

Riana Pretorius

Certified Financial Planner®

Suzanne Wiid

Operations Manager

Kim Peens

Medical Aid Specialist & Employee Benefits Administration Assistant

OUR PROCESS

explore | create | choose

EXPLORING YOU

Most financial plans begin and end with the products. Your plan needs to begin and end... with you.

CREATE CHOICES

Having asked the right questions about your life, we will research and create the financial choices that you can choose to best suit you.

CHOOSE

With a clear understanding of who you are, and what you want, you can make powerful and informed choices.

REVIEW AND ENHANCE

Your life will keep changing, and you should be able to change your choices too. We can review your plan and enhance it when needed by exploring, creating and choosing.

ALWAYS IN THE KNOW

Empowering you to create
the choices you need to make.

RECOMMENDED BY

hear it from our clients

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SUM WUN ELS

CEO of Walmart

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TESS T. MONIAL

Dentist

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BILL E. VABLES

Foundation Phase Educator

OUR LATEST BLOGS

adding context to your choices

Social and spiritual capital

When we talk about building wealth, we almost exclusively talk about money. We track our investment returns, our property values, and our retirement accounts. We measure our success by the size of our balance sheets. But perhaps true wealth cannot be measured by a single metric. We could potentially consider three distinct types of capital: financial, social, and spiritual. Financial capital is the easiest to understand. It is the math. It is the money that funds […]

Long-term plans need short-term protection

Imagine you have been diligently saving for a milestone family holiday. You have carved out the time, set aside the capital, and prioritised your “Return on Memories.” But out of nowhere, a severe storm damages your roof, or a burst geyser floods your kitchen. It’s not nice to think about, but… it could happen. When we talk about financial planning, we often expect to focus on the the big things. You prepare to discuss goal timelines, […]

The new retirementality

For decades, many of us have been sold a very specific version of retirement. We are culturally conditioned to believe that at a certain age, we should step away from our careers, retreat from the world, and live out a permanent, quiet holiday. But as medical treatment improves and lifestyles become more intentional, this traditional model is starting to feel less and less relevant. A pioneer of lifestyle financial planning, Mitch Anthony, has spent years redefining […]

Financial Advice that is tailored
to you and your choices.

CONTACT US

to arrange a consultation simply fill out your details below

Email: suzanne@efo.co.za
Call: 0861 111 473

ADDRESS

5 Mount Cook Close
Midlands Estate
Stand 1917
Midstream

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