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.

What you need to know to set yourself up for offshore

All offshore who are going offshore… Beginning to invest offshore is increasingly looking good for worried South Africans amidst geopolitical turmoil. Depending on your risk appetite investment expectations, it can work for you and need not be an overwhelming or intimidating experience. Here’s what you need to know: Professional help is essential Everyone can invest […]

How retirement savings could be saving you tax

For decades retirement savings have formed the foundation of a financial plan, and for good reason – but did you know that retirement savings can not only help finance your older years, they can save you money on tax right now? It’s a common mistake, but many people forget to declare contributions to their retirement […]

How to have a financially savvy Valentine’s Day

It’s Valentine’s Day this month, a holiday that doesn’t get much love for the way it costs plenty of sensible people a lot of foolish spending. This Valentine’s, why not take a more financially prudent stance? First things first: have the important talks as a coupleThe number of couples who get engaged or take their […]

The number one conversation to have around your finances this year

For many of us, the first conversation any one has with us about our financial planning is around retirement. Either retirement is too close and is a tad on the stressful side to chat about (particularly if we’re a little behind in our investment strategy) or it’s just far enough away for us not to […]

What to eat for your most productive January ever

If ever there was a universal cheat-meal week… it must be the week between Christmas day and New Years day. And that’s for the most diligent – if we’re honest, most of us view it as a two-to-three week cheat… Everyone could use a boost of healthy eating come January! Here, we’ve rounded up the […]

Five ways to improve your productivity

If your to-do list is stressing you out now that the holidays are over, worry no more. Sometimes productivity is not about trying to squeeze even more things into each day, which is still stubbornly refusing to be any longer than 24 hours, but rather about working smarter. Not harder – especially so soon after […]

Five apps to get for your best year yet

We’ve all done it – made New Year’s resolutions and never fulfilled them. This January, why not get some little helpers instead? These apps will make 2019 a breeze. The ‘be more mindful’ resolution substitution: Kyō Most productivity apps help you try and cram more into your already busy day, but Kyō does the opposite. […]

New Year’s resolutions for more wealth and financial health in 2019

When 1 January rolls around, most of us are a little worse for wear: we’ve overindulged, under-exercised and are more than a little tired. It’s the same with our finances – many of our wallets take a financial overindulgence through the festive season. Fear not – with a few simple commitments, you can get keep […]

Easy ways to eliminate waste this festive season

It’s a terrible misnomer, but the festive season – which is all about cheer and goodwill to all in various religions – is one of the most wasteful of the year. There are piles of present wrappings, tons of unwanted toys and lots of leftovers – but it doesn’t have to be that way. To […]

Four things to do if the markets crash this December

December should be a time of rest and relaxation – but for South African investors, the month comes with ominous memories. ‘Nenegate’ and Zuma’s infamous cabinet reshuffle, the Steinhoff collapse and several other rand-slaughtering incidents occurred in the month of the year when everyone was hopefully on holiday; plus the ANC elections occur next December […]

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.”

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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.