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 wants to save more?

This is not such an easy question to answer. Many of us may shoot up our hands, quickly realizing that what follows is a tough call-to-action: “Then start saving!” So we shrivel back and think we’ll rather start saving next month, or when we get our next increase. Others, already encumbered with tough monthly expenses, […]

Why Mental Health needs our attention

The journey of developing your life can be challenging on your mind and overall well-being. Prioritizing mental health can help us build the resilience we need to find fulfillment at work and in our personal relationships. Often we focus on physical health and the list of things we want to accomplish. It’s important to remember […]

The difference between Medical Aid, Medical Insurance and GAP Cover

It is easy to think that the terms Medical Aid, Medical Insurance and GAP Cover refer to the same thing. Although they all serve to help you afford medical care, there are some subtle differences. Getting a clear understanding of these words will help you get savvy with your options. If you already have health […]

How much is enough?

Medical aid (including insurance products) contributions need to form part of our overall financial planning. Every year these products are adjusted slightly – both in how much they cost in monthly premiums and in what they cover. These increasing costs can feel burdensome and unnecessary to those who seldom use their medical cover, but they […]

Pre-Lockdown vs Post-Lockdown Spending Trends

The largest factor in our wealth creation, and our wealth protection, is our behaviour. How we choose to save and how we choose to spend are the habits that will determine if we are able to grow our money over time, or if we will erode it over time. There are other factors, certainly. We […]

Why we need losers in our portfolio

There is a strange behavioural effect where investors tend to sell winners early and hold onto losers for longer. You would think that investors would offload their losers as soon as possible and hold onto their winners so that they keep winning, but the opposite is often found to be true. This is known as […]

ETF not EFF

Not to be confused with the EFF (the South African political party or the lesser-known Electronic Frontier Foundation…), ETFs have been gaining popularity in investment portfolios for about a decade. ETFs (exchange-traded funds) were first developed in the early 1990s by Nathan Most, they offer both retail and institutional investors a great passive investment option. […]

Stay abreast of your healthcare cover

Whilst October is Breast Cancer awareness month, cancer has become a disease that was touted in 2018 as the second leading cause of death. It’s a tragedy that has most likely affected your family, and the families of your friends, colleagues and neighbours. The World Health Organization claims that between 30-50% of cancers can currently […]

Markets don’t make you money

Markets don’t make you money; your habits… make you money. As creatures of habit, we ultimately become our own best friend, or our own worst enemy. This is why it’s important to be mindful of how our emotions affect our choices and influence our behaviour. We can remind ourselves of this time and time again, […]

Why hobbies help

Time is our greatest investment opportunity – we should invest the time that we have in a diverse portfolio of activities that will provide us with positive returns. Having a solid routine helps us to squeeze utility out of our time. However, if we get stuck in the same routine for too long it can […]

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

CONTACT

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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.