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.

Does your wealth creation strategy need more love?

February is the month of love, but it’s also the first real month of the year for most of us, once we’ve got back into our routines and come back to grips with life after the holidays in January. As a result, you may be thinking of how to get your 2020 goals going, especially […]

Coffee, makes you think

After owing its name to the mindful Fransciscan monks, the Capuchin friars, many of us overlook our daily cappuccino (or other frothy delight) and how much we spend on these little luxuries in life. One of the best ways to add meaning to our money is to be mindful about how we spend it, and […]

The RA-minder

For many, the way in which we save and invest is not a daily conversation, so it’s easy to forget what we have in place AND WHY we have it in place. Here’s a quick reminder! An RA… or Retirement Annuity is one such product that can often confuse many. RAs have been around for […]

What you need to know about the new ‘expat tax’

One of the hardest aspects of working with tax and tax law is that the rules change slightly every year – making it tricky dice to roll without an expert on your team. There will be a new law soon that legislates how much tax you as a South African must pay on money you […]

Share the love with your wallet

Is it time for some romance without the rands? You can sweep someone off their feet whilst keeping yours on the ground. Valentine’s Day has gained the reputation of being a Hallmark holiday that promotes Lindt rather than love. Ahead of rushing off to the shops to buy a big bunch of flowers or box […]

What’s the state of your budget?

Each year we are presented with our president’s State of the Nation address and the finance minister’s budget speech around the same time. The SONA is closely linked to how money is spent; it’s a powerful reminder for us to consider the close link between our lives and our budgets! Good finances begin and end […]

Breathe cleaner air in your home

Here’s all you need to know about houseplants! We live in increasingly polluted environments – both inside and outside! Trees and plants remain the best ‘machines’ for pumping down carbon dioxide and supplying us with clean air. Without good, clean air, we have less energy and are more prone to allergies and poor health. If […]

Global macro trends for SA investors to watch in 2020

Every investor has their own unique style when it comes to the rigorous decision-making process that goes into what to include in their portfolio and how to weight it. January, with the fresh perspective that comes from a break and a new financial year pending, is often the ideal time to take a look at […]

Four ways to invest differently this year

As much as we dislike the idea of New Year’s resolutions, January can bring with it a welcome burst of drive and energy to try and improve things from the previous year. When it comes to improving your investments, instead of focussing on maximising returns (which is never fully in our control), try focussing on […]

Improve the way you invest for the year

Having an eager desire to achieve more is a key motivator for success. If you want to achieve more in your investing, why not consider setting new wealth goals and not just new health goals for the new year? New and revised goals require a new plan, so for continued success with your investments into […]

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.

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FINANCIAL PLANNING

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

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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?

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INVESTING

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

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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

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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.

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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

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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.