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.

When to re-think your medical plan

The first benefit of medical cover is peace-of-mind, the second is that you will be protected from potential financial ruin should your hospital bill be more than you can manage. It is important to be on a medical plan that suits both your monthly affordability and caters to most of your medical requirements. Since changing […]

Sharing Is Caring

You’ve learnt lessons throughout your life. Some of them are unique to you, but many will apply to others too. Being open to sharing these will benefit those nearest and dearest to you – and help you reflect on what you’ve learnt. This is profoundly true when it comes to how we make decisions around […]

The retirement gap needs a new rap

Retirement (as well as education and the job market) is one of our greatest future-unknowns. We know it will happen… but we are finding it harder to understand and predict what it might look like. This doesn’t mean we should abandon planning for it. If anything, it simply means that we need to change the […]

Investing masterclass: Four tips for the long game

When it comes to coffee-shop conversations, little is said about the long game in the investment space – it’s often about which asset manager did well this year, what outperformed everything else in the last quarter… etc. But, if you’re an investor, chances are high that you’re saving for future events that have a five-year-plus […]

Covering cancer in your senior years

One of the less-pleasant facts to face about life in your 60s, 70s and 80s is the fact that you’re more likely to have health issues. The biggest and most expensive, if you read the claims statistics by insurers out there, is definitely cancer. However, there is good news to be had here, even for […]

Investing in your health

It’s a well-known and accepted fact that the best time to plant a tree was twenty-years ago! It’s easy to look back and wish we’d started or learnt something years previously, being able to see how it could have benefited us in the long run. It follows, then, that if we didn’t start something years […]

Earning more isn’t the answer

When it comes to building your wealth, it’s not about how much you make, it’s about how you work with what you have. You do not need a larger paycheck, you only need to invest and use your money wisely. Yes, more money gives you a larger budget to work from but that simply needs […]

Five inspiring quotes from women to up your hustle game

August is traditionally about celebrating women, but we believe every month should honour the strong ladies that make our world go around. Here, courtesy of Investec, are five inspiring tidbits of advice to fire you up for slaying the rest of your work week. Like a (woman) boss. Learn from your mistakes – and everything […]

Four often overlooked steps to reducing financial stress

A lot of people are quite financially stressed right now. It’s understandable – it’s been a hard few years for most of us, and the uphill climb back to a bustling economy, both locally and globally, is far from over yet. Does that mean that we have to be stressed with where SA has been […]

Five reasons to be stoked on SA

Most of us know someone who has emigrated, or is about to emigrate. After several hard years for our nation, it can sometimes seem like the bad is overwhelming. And, the South African media often seem to talk about nothing except the next new ‘sure disaster’. But it’s not all bad. There are some great […]

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.