Ben Charlton

I am a financial planner specialising in comprehensive financial advice by researching and considering the best retail investment products or providers available to meet the client's needs and thus provide clients with unbiased and unrestricted advice. This is a huge advantage to you the client.

My clients are my number one priority and everything I do I do for them. My philosophy is "look after your clients and everything else will look after itself.”

I have a Bcom degree as well as a Post Grad diploma in Financial Planning. I have also successfully passed the FPI’s board exam. Starting off in the banking sector I came across many heart wrenching situations where parents were desperately trying to get money to pay for school fees or businesses were struggling because of a lack of proper planning. This is when I realised that I wanted to become a financial planner, so that I can help people to realise their short and long term financial goals by implementing tailor made financial plans.

A financial plan is more than a set of financial strategies - it's a way to capture what's important to you, build wealth and translate it into the future you want. That's why I believe in ongoing, personal advice - building long-term financial plans that adapt to your changing needs, and bring you lasting financial security and wellbeing.

Who pays the difference?

Good health care is not always easily obtainable and quickly becomes a costly experience. Many people who have health cover policies sometimes expect to have more cover than their policy actually includes, and they are saddled with high shortfall bills; they land up paying the difference between the medical cover rate, and the cost of […]

Time to Review your Medical Cover

Towards the end of every year, many medical schemes announce their annual contribution increases for the following year. This makes these last few months of 2018 the perfect time to review your cover and make any necessary amendments, as, until the start of December, most medical aid providers will allow you to change plans or […]

Make a Mental Note

“Without mental health there can be no true physical health” – Dr Brock Chisholm, the first Director-General of the World Health Organisation (WHO) Dr Brock Chisholm was a psychiatrist who asserted the notion that mental and physical health are linked, and an increasing amount of evidence highlights the impact that mental illnesses — particularly depression […]

The Lowdown on Inheritance and Donations Tax

Understanding how your (or your loved one’s) possessions and wealth are treated when you pass away is crucial to how you plan for what will happen to them. This blog is aimed at breaking down an incredibly paper-heavy, jargon-filled process! When a taxpayer dies, all their assets are placed in an estate, which is commonly […]

How to Reduce Estate Costs

Death can be an expensive affair and it is easy to underestimate the costs involved, especially as some unconsidered fees can quickly add up. As well as the funeral expenses, those left behind can be liable to pay mortgage bond cancellation costs, appraisement costs, Master’s Office fees, legal fees, costs of realisation of assets, bank […]

Truths About Trusts

Did you know that a trust is not simply: a trust? There are many different classifications of trusts in South Africa, such as ownership trusts, bewind trusts and curatorship trusts. Trusts can either be created during a person’s lifetime, which is known as an inter vivos trust, or set up according to a person’s will […]

Don’t Underestimate your Will Power

Avoid the heartache and headache! This year, National Wills Week is from 17th to 21st September, and is a time when participating attorneys in South Africa will draft basic wills for free. If you haven’t already written a will, this presents the perfect opportunity to do so before it’s too late. Writing a will could […]

6 Estate Planning Tips

In the wake of the 2018 budget, there are recent changes that could affect your estate, especially with regards to paying VAT, Master’s fees and estate duty. Here’s a quick snapshot! The good news is that executor’s fees remain at 3.5% of your total assets, plus VAT. However, as you’re likely all too aware by […]

Severe illness cover

Each year, about a million people need to stop working due to an illness or a debilitating injury. Yet, according to an article published in The Times, only 10% of people have severe illness cover. A severe illness is a medical condition that prevents you from leading your normal life, and the life industry covers […]

Avoid crippling your finances

It is highly likely that one of your biggest assets is your earning power. It is vital to protect this asset and ensure you maintain a steady salary until you have reached your financial goals. Many people take a head-in-sand approach when it comes to income protection, believing that they’ll never be inflicted with a […]

LIFE COVER

Many South African families are affected each year by a serious illness, disability, injury or worse still, an untimely death, the financial consequences without a financial plan can be devastating.

FIND OUT MORE

FINANCIAL PLANNING

I provide a complete financial planning and wealth management solution, building long-term and trusted relationships across the generations.

FIND OUT MORE

FINANCIAL NEEDS ANALYSIS

If you were to pass away tomorrow, do you know what your estate duty will be? What about your executors fees, accrual calculation and estate liquidity?

FIND OUT MORE

INVESTING

Investing is not glamorous, flashy or sexy. However, carefully tending to your portfolio adds substantial value over time.

FIND OUT MORE

BUSINESS ASSURANCE

Business Assurance is essentially financial planning for a business, and it aids in identifying, evaluating and dealing with the risks of a death or disability of a partner, shareholder or key member of the business

FIND OUT MORE

WILLS

Regardless of how much or how little money you have, a Will ensures that whatever you do have will go to the family or beneficiaries that you want it to go too.

FIND OUT MORE

ARE YOU SAVING ENOUGH?

How healthy is your financial plan when it comes to saving and provisioning funds for the future? Digital technology and our diverse economic systems and policies have increased our options both for investment and for risk protection. This is an arena that is constantly changing, growing rapidly and needs to be monitored regularly – which is one reason for having your own financial planner!

WHO DO YOU CHOOSE?

If you have never worked with a financial advisor before, you may find yourself overwhelmed by the choice, confused by the jargon and frustrated at the cost! But in the same way you wouldn't service your own car, it's good to have someone you trust to advise and guide you to make healthy decisions about your wealth.

CREATE WINNING STRATEGIES

Aside from being an expert in the money game and having a keen sense of the conditions and lay of the financial landscape, winning strategies are born inside of a relationship of trust, mutual understanding and a commitment to strive for the same goals. Your financial advisor should bring you peace-of-mind and help you maintain control of your finances.

Ben Charlton understands that to our family our financial fitness is not simply a matter of figures on a balance sheet, its far more complex than that. To feel secure we have to have confidence that experts who truly care about our future are overseeing our investments. That’s Ben.

BRAD FOURIE

BUSINESS OWNER

Following purchasing our first home and setting up a business, my husband and I were pleased to meet with Ben and benefit from their expertise. Ben has been helping us in recent months to put in place the necessary financial and legal structures to protect us and our business as it continues to grow. We have found them to be friendly and approachable, and they have listened to our desires and needs throughout the process.

NKULE ZULU

BUSINESS WOMAN

After completing my medical degree I was hounded by financial planners to take out life policies, Retirement Annuities and investments. So I ended up with all these debit orders going off my account without really knowing why they were in place. After having a bad experience with my adviser I was referred to Ben, and I’m so glad I was. He took the time and explained to me why each different insurance is important, he also explained to me how much cover I should take and why. Now at the end of the month when the debit orders go off my account I know exactly what it is for and how it fits into my financial plan. I sleep well every night knowing that if the worst were to happen, I’m covered.

DR. FOKANE

MEDICAL DOCTOR

Always be willingto invest in yourself.

Every choice should be your own.

Be an asset to allwho share your vision.

Always stay aheadof your competition.

“The future belongs to those who believe in the beauty of their dreams.”

BUILDING WEALTH

Protecting your loved ones in challenging times should be an important part of your financial plan.

LATEST BLOGS

"Happiness is not something you postpone for the future; it is something you design for the present."

YOUR FINANCES

LIFE COVER

FINANCIAL PLANNING

FINANCIAL NEEDS ANALYSIS

INVESTING

BUSINESS ASSURANCE

WILLS

“Don't wait. The time will never be just right.”

ARE YOU SAVING ENOUGH?

WHO DO YOU CHOOSE?

CREATE WINNING STRATEGIES

TESTIMONIALS

BRAD FOURIE

NKULE ZULU

DR. FOKANE

“Every risk is worth taking as long as it’s for a good cause, and contributes to a good life.”

CONTACT ME TODAY

Your Details

How can we help?

CONTACT

DISCLAIMER

Always be willing
to invest in yourself.

Every choice
should be your own.

Be an asset to all
who share your vision.

Always stay ahead
of your competition.