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

The guardian of your savings

Why fund due diligence matters When choosing a retirement fund—or evaluating the employer-sponsored fund you are already in—most people focus entirely on investment performance and fees. While those are incredibly important, there is a third, invisible pillar that can make or break your retirement goals: Governance due diligence. At Exponential Financial Services, we don’t view our role simply as people who recommend financial products. We see ourselves as guardians of your systemic integrity. What we look […]

When Governance Fails: How to challenge your pension fund

In our last post, we looked at the massive responsibilities resting on the shoulders of your pension fund Trustees. But despite a robust regulatory framework in South Africa, governance failures do happen. Whether it’s an administrative nightmare, an unfair delay in a payout, or a lack of transparency around fees, you aren’t powerless. If you feel your fund’s Board has failed to look after your interests, there is a clear roadmap for recourse. At Exponential Financial […]

Who is steering your retirement ship?

Understanding Pension Fund Trustees When you contribute to a pension or provident fund every month, you aren’t just sending money into a black hole. Your funds are managed by a dedicated group of people known as the Board of Trustees. But who are they, and what actual power do they hold over your financial future? (Shout out to Terence Tobin CFP® for prompting this blog!) Understanding the mechanics of fund governance is essential for anyone wanting […]

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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