Services

We offer the following financial services and products:

Analysis for Individuals
Our first approach is gaining a comprehensive understanding of the client, and their entire portfolio. This encompasses a full understanding of the financial needs and future goals of the client. Out of this analysis, a number of aspects are addressed, including:

Risk Management
After identifying income and capital liabilities in the portfolio, the resilience of our client’s portfolio in the event of death, disability and retirement is tested.

Estate Planning and Management
While an individual’s focus is on wealth creation, few reflect on the distribution of wealth to financial dependents on death. A review of an estate plan will reveal the appropriateness of the final Testament and financial structures associated with the continued management of financial structures, such as trusts and companies, which will maximise the benefits to dependents.

Tax Structuring
The next strategy to review is a client’s exposure to the array of local and offshore taxation structures. Tax structuring is integrally linked with wealth creation for the future, and maximising current and future investments.

Investment Management
Combining the composition, risk profile, and tax structuring of the investor’s entire portfolio, a current risk/return model is identified. The accent is on diversifying a portfolio to balance high and low risk asset classes to meet the investment goals within the confines of the client’s appetite for risk. Asset allocation strategies are adopted using all five asset classes, reducing risk while enhancing the potential to achieve targeted investment returns over time.

The key to retiring comfortably is to maintain your income stream with inflation. AJM prides itself on designing structures of clients that ensure that income generated out of our client's portfolios will grow with inflation. AJM will test your current portfolio against inflationary escalations of income for life, and identify areas of growth to increase the likelihood of your income growing each year.

End Result
Once the assessment is completed, you will receive an independent review of your portfolio and how it links with your risk management and estate plan. Areas of strength and growth will be identified. Should a potential working relationship be formed, recommendations regarding solutions will be made.

Analysis for Companies
Directors and owners of companies have onerous responsibilities to their staff and each other to ensure the continuous management of the business in the event of any eventuality.
AJM will review the company's partnerships, key individuals and staff packages for the directors.

Disability Benefits
The biggest threat facing employers is the disability of a staff member. The Labour Relations Act places the onus on the employer to assist the disabled staff member to be rehabilitated.

More financial services

Advice services
- Financial assessments
- Estate planning
- Wealth creation solutions
- Tax management

Individual financial structures include:
- Drafting and reviewing Wills and estate succession
- Structuring, registering, and managing of local and global trusts
- Partnership agreements and structures relating to partnerships
- Personal tax and accounting services for individuals and companies

Investment solutions
- Retirement funds
- Pension and provident funds
- Preservation funds
- Retirement annuities
- Annuities for retirement income
- Wealth creation
- Share portfolios
- Unit trusts
- Property investments
- Offshore investments
- Structured investments
- Asset allocation strategies maximising all 5 asset classes
- Portfolio management

Risk management solutions
- Risk based advice providing for financial dependents on death
- Replacing an income if disabled
- Maintaining wealth creation if disabled
- Financing asset purchases, either personally or in business
- Funding bonds and protecting your asset
- Medical aids
- Insuring your assets from theft and damage