Our Approach
As personal financial solutions become increasingly, and unnecessarily complex, we recognise the importance of a financial advisor – to help clients figure out what works, what matters, what is important to them, and what can go wrong.
With personal finance issues often under-discussed, a good financial advisor is a shoulder to lean on, someone who you can trust for confidentiality, respect and good financial advice.
At Delfin, we support you in administering your financial life, act as your financial conscience, and recommend financial products that fit in with your financial plan.
We are committed to developing a long-term relationship with you, helping you to understand where your money is being invested, how it grows and what you can expect.
We take the time to know you and understand your goals, personality, circumstances and experiences. We know that creating a financial plan is a collaborative process, and we work together with you to explore the best possible solutions.
Because most people are guarded about their own financial lives, they are left with few people to discuss their concerns, aspirations and financial decisions with. We take on the role of that ‘other voice’ – providing you with expert guidance.
We hold you to account on your obligations in your financial plan, and help map your progress towards objectives. We know that circumstances can change, and we revise plans to ensure that they are attainable, suitable and reasonable.
How can we help you?
We are your partners in wealth management, dedicated to sharing in your journey to financial freedom.
I don’t know what I would do without Hennie and Ian! And it’s about my future financial health always. Hennie and Ian advise me on what and when to do things but their expertise is much broader and of higher value than my portfolio.
Wel as ‘n persoon wat nie juis in geldsake en beleggings belangstel of onderlê is nie, is Delfin van die uiterste belang vir ons. Ons het ons totale bates, naas ons huis, aan julle toevertrou en tot nog toe was ons tevrede en ervaar ons gemoedsrus.
The advice and friendly, efficient service that I have received from Ian, Derick and all support staff has led me to feeling that I can trust Delfin with not only my portfolio, but also other personal matters.
Ek vind die advies en persoonlike kontak gee vir my riglyne oor hoe om langtermyn finansiële besluite te neem. Ek voel Delfin het my belange op die hart en kyk na die volle prentjie.
At Delfin, we’ll get your financial house in order, and help you keep it that way.
Our Fees
Our remuneration model is transparent and you’ll only remunerate us for what you need, we won’t sell you anything else. Our business consists of two parts – planning and implementation. While we firmly believe that the biggest benefit can be derived by allowing us to help you with both the planning and implementation, we understand that individual needs and circumstances differ and have, therefore, adapted our servicing model to allow for both. Just as important is that our fee model also allows for this.
Our fees will be determined by the services you require, and may include the following:
- We can invoice you for once-off or ad-hoc planning and advice.
- You can pay us a monthly retainer that covers the initial analysis and planning, as well as all queries, consultations, scheduled and ad-hoc reviews.
- Ongoing investment advice fees are deducted monthly from investments that are made on our recommendation and that we monitor and administer on your behalf.
- Commission on certain insurance policies that are implemented on our recommendation and that we manage on your behalf, are paid to us directly by the product provider.
You will always be informed what our fees are or how much commission we may earn before you are asked to make a decision.
Once-off and ad-hoc fees are based on the complexity of your individual situation and time spent on the analysis, planning, discussion and feedback. The fee will be explained and confirmed with you prior to proceeding.
The monthly retainer is determined by the complexity of your individual situation and the services you require from us. Once we have the necessary information to formulate a good understanding of this, we will confirm the fee with you before entering into an agreement to provide the ongoing service.
Investment advice fees are calculated as a percentage of the value of the investment and deducted from the investment. Delfin does not charge upfront fees on investments, only ongoing fees.
Commission on insurance policies is included in the monthly premium. It is calculated by the insurer and is based on the premium and the term of the insurance. For clients that pay a monthly retainer, a portion of this commission may be applied to reduce your monthly retainer.
Our Process
We know that building a long-term relationship is about more than just numbers. This is our journey with you.
Meeting You
We get to know you, find out what you hope to achieve by working with us. The conversation usually lasts about an hour and is free of charge.
Building an Asset Map
You can share documents and information with us that is pertinent to your financial life, and we build an asset map with you. No long questionnaires and policy schedules, just a conversation that helps us identify your current financial position.
Your Financial Picture
Once you’ve decided to work with us, we determine what strategies we need to put in place to reach your financial goals. This workshop usually lasts two hours.
Our Financial Audit
We look through any existing investments, policies, documents and agreements that you have in place – and draw up a plan to implement any important changes. We may make recommendations about your current policies, review existing investments and suggest possible alternatives.
The Thumbs Up
With your go-ahead, we take on the role of your financial go-to. We are here for you, for any activity related to your finances: from buying a house, to administration or ensuring a car. We build a relationship with you, and play an important role in managing your financial affairs.
A Long Term Relationship
We will meet for a formal annual review, and regularly get in touch with you to discuss your current finances, as well as your goals and aspirations. We are your shoulder to lean on, and ensure that your financial needs are executed seamlessly.