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.
There are many key planning considerations for a successful business. We’ll help make sure your business is protected.
We’re here to help prevent unfortunate and unplanned events from derailing business stability.
We’ll help develop business contingency plans, create Buy-and-Sell agreements, assist with key person insurance and help provide you with key employee benefits so that your best staff stay.
We’ll help make sure your business is protected:
Credit Loan Account
Business owners often lend substantial amounts of capital to their business. This creates credit loan accounts in their favour. In the event of the death of the owner, the business has to repay the loan to the estate of the deceased. Being without the business owner, and possibly in search of liquidity, we help to insure this risk and safeguard your business and the capital owed to you.
Shareholders Agreements
This document guides co-operation in the company and sets out how important matters will be dealt with between shareholders.This should not be left to a generic template, but set up by professionals that incorporate business planning aspects.
As part of a holistic financial plan we guide this process to structure a comprehensive agreement.
Buy & Sell Agreements
Insurance can fund the transaction to transfer shares. However this agreement confirms the process and removes the possible tax burden associated with such a transfer.
We find that insurance is often put in place, but the agreement was not formalized and signed. We can put insurance in place and contract with professionals to plan and execute this agreement.
Key Person Insurance
Within businesses, the loss of key personnel will affect profit directly. By insuring them, the business will be provided with much needed liquidity.
When structured correctly, this form of insurance will remain outside of the individual`s estate. We help to determine the need and to finalize insurance with a suitable insurer.
Contingent Liability
Owners of a business often require loans at the outset or during an expansion phase. The lender (mostly the bank) requires personal surety to protect their stake. This form of insurance protects the business owner`s estate and personal assets, should death or disablement occur and the bank needs to call on the surety.
We assist with the required insurance and agreement that facilitates this need.