Question 1

What services does SVZ and Associates offer?

Accepted Answer

SVZ and Associates offers comprehensive financial planning services including wealth management, retirement planning, investment advisory, tax and estate planning, risk and insurance solutions, and education funding. We operate within Old Mutual Personal Financial Advice.

Question 2

Where is SVZ and Associates located?

Accepted Answer

SVZ and Associates is based at Pinewood Park, Lonsdale Way, Pinelands, 7405, Cape Town, South Africa. We serve clients across the Western Cape and throughout South Africa.

Question 3

Is SVZ and Associates a Certified Financial Planner practice?

Accepted Answer

Yes. Sean van Zyl is a CERTIFIED FINANCIAL PLANNER® (CFP®) professional since 2016. The CFP® designation is the gold standard in financial planning, awarded by the Financial Planning Institute of Southern Africa.

Question 4

How can I book a consultation with SVZ and Associates?

Accepted Answer

You can book a consultation by completing the form on our website, calling 068 175 4156, or emailing svanzyl3@oldmutual.com. We look forward to discussing your financial goals.

Question 5

What is the Google rating for SVZ and Associates?

Accepted Answer

SVZ and Associates is rated 5.0 out of 5 on Google with over 21 reviews. Our clients consistently praise the professional, personalised service they receive.

Question 6

How much does a financial planner cost in South Africa?

Accepted Answer

Financial planning fees in South Africa vary by adviser and service model. SVZ and Associates charges an advice fee and product costs, which are explained transparently upfront. There are no hidden charges. The initial consultation helps determine the scope of work and associated costs.

Question 7

What is the difference between a financial adviser and a financial planner in South Africa?

Accepted Answer

A financial adviser may focus on specific products such as insurance or investments. A financial planner, particularly a Certified Financial Planner (CFP), takes a holistic approach covering budgeting, retirement, tax, estate planning, risk management and investments as part of an integrated plan. Sean van Zyl at SVZ and Associates holds the CFP designation, the gold standard in financial planning.

Question 8

Does SVZ and Associates help with retirement annuity and living annuity advice?

Accepted Answer

Yes. SVZ and Associates provides advice on both guaranteed (life) annuities and living annuities. We help clients approaching retirement understand the trade-offs between guaranteed income and investment flexibility, and often recommend a blended approach tailored to individual circumstances.

Question 9

Can SVZ and Associates help with tax-free savings accounts and offshore investments?

Accepted Answer

Yes. We advise on tax-free savings accounts (TFSAs) which allow up to R36 000 per year in contributions with all growth tax-free. We also help clients invest offshore through Old Mutual platforms, taking advantage of the R11 million annual foreign investment allowance and Regulation 28's 45% offshore allocation for retirement funds.

Question 10

Does SVZ and Associates serve clients outside Cape Town?

Accepted Answer

Yes. While SVZ and Associates is based in Pinelands, Cape Town, we serve clients nationally across South Africa through virtual consultations. Our financial planning services are available to anyone in the country.