Jotelo

Trusted Financial Planners for more than a decade.




Services

Advisory

Individual financial planning regarding cash flow management, retirement planning, investing planning, tax planning and estate planning.

Broking

Broker services for commercial retirement funds, short and long-term insurance products, and collective investment scheme products.

Consulting

Employee benefits consulting services which include - secretarial services, retirement benefits counselling and member communication services.

Cashflow management

Determine an individual's liquidity, solvency, savings and debt position. 

Retirement planning

Retirement needs analysis to identify funding shortfalls in retirement goals. 

Investment planning

Investment needs analysis to map-out process needed to match investment goals and available resources. 

Insurance planning

  • Investigate regularly encountered risks, with the view to recommending mitigating measures.
  • Examine existing insurance contracts and providing advice on the appropriateness of the   terms of cover.
  • Conduct a needs analysis, for the purposes of giving advice, based on the     information obtained.

Tax Planning

Arrange taxes to complement the client's financial products that optimize their tax position. 

Estate planning

  • Ensure that upon the death of a client, succession takes place in a manner that minimises taxes and costs, and adequately protects the inherited assets.
  • Draft and implement an estate plan which has measures to “freeze” the value of an estate at its current value in order to achieve estate duty and capital gains tax savings, while at the same time ensuring that there are no possible liquidity problems.
  • Will drafting service. 


JFP provides broker services for commercial retirement funds, short and long-term insurance products, and collective investment scheme products.

 

The funding shortfalls identified in the advisory process are financed by implementing appropriate financial solutions. This is a process that involves the following:

 

  • Obtaining quotations and conducting a comparative analysis.

  • Recommending suitable products for identified needs.

  • Liaising with the appointed product providers on the issuing, maintenance and renewal of contracts (as may be applicable).

  • Providing administration services, namely:

Ø   Notifying the product provider of new  events.

Ø   Completing and submitting forms.

Ø   Ensuring the successful finalisation of any claim payments which may be due.

Happy african american manager broker agent handshake caucasian client at meeting, diverse bank manager insurer and customer shake hands make business deal sign loan insurance contract sell services


JFP provides employee benefits consulting services which include – secretarial services, retirement benefits counselling and member communication services.

 

Employee benefits consulting services


  • Advice on fund administration, legal framework benefit design and fund finance.
  •  Monitoring of investments.
  •  Risk re-broking.
  •  Section 14’s and fund terminations.
  •  Governance and accountability.

 

Secretarial services


      ·    Arrangement of fund meetings.

  • Preparation and distribution of agenda packs.

  • Taking minutes of trustee and sub-committee meetings and providing a draft within two weeks of meetings.
  • Maintaining a minute book, attendance record, trustee registers, record of trustees’ period of tenure and producing trustee election material.

 

Other consulting services

 

  • Trustee elections – coordinating, monitoring and finalising the election process.

  • Consulting to umbrella fund advisory committees.
  • Advice on Section 37C decisions.
  • Trustee training on Pension Funds Act, subordinate and corresponding legislation.
  • Retirement benefits counselling to members who exit a fund before or after retirement.
  • Communication services:      

          §       Member briefing sessions (road shows),

          §       Videos, and

          §           Producing text for member booklets, 

                  newsletter, trustee reports & pamphlets

                   etc.

CUSTOMER testimonials

"The thought of consulting a Financial Planner never occurred to me until my husband arranged a meeting for us both with Jotelo Financial Planning. However our first conversation with them was a revelation. In clear, easily understood terms, they showed why financial advice is vital for everyone. I thoroughly and without hesitation recommend their services." 

Cecilia - Parktown

"I was first introduced to JFP in February 2016 by my accountant. I was approaching retirement age and had a number of 'odd pensions' which I wanted to consolidate with my main pension. I wanted to maximize my tax-free benefit and invest the balance in to a plan which was accessible whilst continuing to grow. They spent time reviewing my financial position and assets and my future plans for my family. We examine the pros and cons of each option before deciding which plan to take."

Tony - Oakdene

"I can highly recommend Jotelo Financial Planning as a financial advising company. I have used Phakamile and the team for the past 11 years and I have had nothing but positive results from their advice. They work hard to make sure your money is working hard and being placed in the right markets to ensure continuous financial growth on your investments." 

Sibusiso - Soweto

Request a Call Back