Services for every financial stage
From your first savings account to a fully structured retirement plan — we have the expertise, tools, and personal touch to guide you every step of the way.
Financial Needs Analysis
Know exactly where you stand — and where you're headed.
Our comprehensive Financial Needs Analysis (FNA) is the starting point for every client relationship. We examine your full financial picture across six key pillars: income protection, savings discipline, debt management, retirement readiness, estate planning, and investment strategy.
How It Works
- 1
Discovery session — goals, income, expenses, family situation
- 2
Gap analysis — where are you vs. where you need to be
- 3
Personalised roadmap — prioritised actions by impact
- 4
Product recommendations — matched to your profile only
- 5
Annual review — your plan evolves as your life does
Investment Planning
Make your money work harder than you do.
Whether you're starting with R500/month or looking to deploy a lump sum — we structure investments that match your risk appetite, timeline, and tax situation. Specialising in unit trusts, TFSAs, endowments, and offshore exposure.
How It Works
- 1
Risk profiling — conservative to aggressive
- 2
TFSA strategy — maximise R36,000 annual allowance
- 3
Rand-cost averaging — reduce volatility risk
- 4
Offshore diversification — rand hedge strategies
- 5
Tax-efficient structuring — minimise CGT exposure
Retirement & Estate Planning
Plan the life you deserve — and the legacy you leave.
Retirement planning goes beyond picking a fund. We model your target retirement income, calculate the monthly contributions needed today, structure your RA and pension correctly, and ensure your estate is distributed exactly as you intend.
How It Works
- 1
Retirement income modelling — what number do you need?
- 2
RA and pension fund structuring
- 3
Living annuity vs. guaranteed annuity analysis
- 4
Will drafting and beneficiary nomination
- 5
Estate duty minimisation strategies
Risk Cover & Insurance
Because your income is your greatest asset.
One critical illness, disability, or death can unravel decades of financial progress. We conduct a thorough risk needs analysis and structure appropriate life cover, disability income protection, and dread disease cover through Old Mutual and other leading insurers.
How It Works
- 1
Income replacement calculation — how much is enough?
- 2
Life cover for dependants and bond protection
- 3
Disability income — short and long-term cover
- 4
Dread disease (critical illness) cover
- 5
Annual premium review — avoid being over or under insured
Financial Literacy & Digital Branding
Empowering communities, one conversation at a time.
"Sbu on the Money" is more than a brand — it's a movement. Through workshops, WhatsApp communities, social media content, and the Learning Hub, we simplify complex financial concepts for everyday South Africans.
How It Works
- 1
WhatsApp community — verified members only, moderated
- 2
Monthly webinars — investment, tax, and retirement topics
- 3
Learning Hub — blog posts, videos, and guides
- 4
Schools and community workshops — financial literacy from the ground up
- 5
Social media content — Instagram, Facebook, LinkedIn
Interactive Tools
Calculate your financial future
Use these tools to get a clear picture of your numbers. Results are indicative — book a consultation for a personalised plan.
Future Value
R 436 760
Contributed
R 250 000
Growth
R 186 760
* Calculations are estimates for illustrative purposes only. Tax figures based on 2025/26 SARS tables. Not financial advice — consult Sbu for a personalised plan.
Not Sure Where to Start?
Start with a free Financial Needs Analysis
The FNA is our starting point for every client. It takes 60 minutes, it's free, and it will give you more clarity about your finances than you've ever had. Ayashisa lawo!