Financial Planning Services Offered

Grace Financial Services, Financial Planner

FINANCIAL PLANNING - BUSINESS

Financial planning for your business ensures that your family receives the value of your business upon your...

Financial Planning - Family

Your family’s financial security is of the utmost importance, particularly in the event of your unexpected passing...

Retirement
Planning

Our official statistics indicate that less than 5% of South Africans will be able to retire comfortably. The increasing...

Estate
Planning

In the absence of a Will, or if your Will is invalid, the laws on intestate succession will apply. This means...

OUR LEGACY

Our Investment Philosophy:

Investment Reasons

We determine our client’s primary reason for investing as well as their investment time horizon.

Investment Strategy

We establish an investment strategy that best suits our client’s needs, taking into consideration the impact on fees, taxation and inflation.

Risk
Profile

We do not believe in exposing our client funds to unnecessary investment risks. We carefully select underlying investment funds that matches our clients risk profile.

Client
Portfolio

We review our client’s portfolio’s annually to determine if the investment strategy is meeting our client’s needs. We will make adjustments if necessary.

Financial Partner / Coach

We believe that financial planning is a journey for life and as a result, we see ourselves as our client’s financial partners and financial coach.

Why Financial Planning is Important for Your Future?

Financial planning is the process of determining whether and how an individual can meet their life goals and objectives through the proper management of their financial resources.

The purpose of financial planning is to provide you with two things:

  1. An in-depth analysis of your current financial situation, and
  2. A general plan to help you pursue your future goals and objectives

Grace Financial Services (Pty) Ltd is an authorised Financial Services Provider (FSP), Financial Sector Conduct Authority (FSCA) licence number: 49446. The company was established in 2015 by Gary Forster, a professional accountant and tax consultant in private practice for the past twenty-three years, and obtained its licence as a Category 1 FSP from FSCA in September 2018.

FINANCIAL PLANNERS

John Tilbury – CFP©

John Tilbury is a Certified Financial Planner CFP© and has been in the insurance and investment industry since 1982. John is an independent financial advisor and has lived through the fashions of elaborate schemes and products but fiercely defends the use of tried and tested principles to establish solid financial plans for his clients. John is comfortable in his admission that speed is not his forte but attention to detail is. The depth of John’s research is hard to match, as is the detail of his reporting.

Gary Forster – CFP©

Gary Forster is a Certified Financial Planner CFP© as well as a Professional Accountant. Gary started Excell in 1996 as a Professional Accountant and Tax Consultant. In 2014 Gary started studying to become a Certified Financial Planner CFP© and passed the Financial Planning Institutes board exam in February 2016. Gary became an independent financial advisor and obtained his Financial Services Provider Licence from the Financial Sector Conduct Authority is September 2018. Gary predominately renders financial advisory and intermediary services to the clients of Excell.