Quick Introduction:
Jotelo Financial Planning is a financial services business which specialises in employee benefits consulting, insurance broking, and individual financial planning.

Employee Benefits Consulting:
Advisory and secretarial services to employer sponsored
pension and provident funds.

Insurance Broking:
Intermediary and advisory services to medium sized businesses for umbrella retirement funds and long term & short term insurance products.

Financial Planning:
Retail pension, long-term insurance, investments planning, estate planning and tax planning services to individuals.

 

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Our Financial Planning Process
What we do (and How we do it)

We give you our disclosure letter. The letter provides confirmation of:

  • Jotelo’s FSB license issued in terms of the FAIS Act.
  • The financial services the representative and the business are authorised to
    provide with respect to financial products.
  • Remuneration being based on
    commission and/or fees.

Collect relevant information from you relating to your financial position, product experience and objectives.

Your personal information is handled with strict
confidentiality in terms of a signed agreement.

Conduct an analysis, for purposes of the advice, based on the information obtained.

This includes investments, estate planning, retirement provisioning as well as your need for risk protection insurance.

Identify different options and resources / products you will need to meet your goals and outline a program to enable you to do this.

These will be presented as written
recommendations.

Present the written recommendations and explain how they fit your needs.

We will also explain any risks and costs associated with the recommendation.

When you want to proceed with the strategy, we will help you to put the plan into action.
Review your plan periodically to make sure your situation or needs have not changed significantly.

Independent Advisor and Intermediary

The South African Financial Services industry is currently dominated by consumer focused themes which include legislative changes introduced by the Financial Advisory and Intermediary Services Act 37 of 2002, also known as FAIS.

The legislation aims to regulate Financial Services Providers (FSP’s) by, among other things, protecting consumers
from improper FSP conduct and imposing standards of professionalism.

The advisor must place the clients' interests ahead of his own and to this end should also disclose material facts and circumstances.

There are four separate and distinct areas within which disclosure is expected, namely in relation to the product supplier, service provider, the product or financial service itself and the costs to be borne by the client.

This implies that consumers can now screen FSP’s against whether they provide this disclosure information and whether they meet the FAIS ‘Fit and Proper’ requirements - namely:

  • Honesty and Integrity;
  • Competency: experience, qualifications, regulatory exams and continued professional development; and
  • Operational ability and financial soundness.

Jotelo Financial Planning embraces provisions of the FAIS legislation and as a licensed FSP, meets all of its ‘Fit and Proper’ requirements.

The depth of industry experience, knowledge and
structure of the business makes it suitably
positioned to act as an independent advisor &
intermediary to its clients.

Jotelo Financial Planning (Pty) Ltd
Authorised Financial Services Provider #43916

Telephone: +27 11 985 5591
Facsimile: +27 86 770 9843
Mobile: +27 76 196 0600

E-mail: pmajombozi@jotelo.co.za
Website: http://jotelo.co.za

PO Box 200, Diepkloof, 1864

Financial Planning
Retirement Planning | Insurance Planning | Tax Planning | Investments Planning | Estate Planning
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