Financial solutions shaped around your life
Protect Your Income and Your Family
Prepare for the Retirement You Want
Turn Good Income into Lasting Wealth
Protect What You Have Built
Each decision affects the wider picture
Your income protection, investments, retirement planning, business interests and estate arrangements do not operate separately. Aurum Trust considers how they affect one another, helping you build a financial plan that is practical, balanced and suited to your circumstances.
Protect the income your life depends on
Your ability to earn an income supports almost every part of your financial life. The right protection can help your family manage the financial effects of illness, disability, severe injury or death.
Aurum Trust helps you assess the cover you already have, identify possible gaps and choose suitable protection for your income, family and long-term responsibilities.
Our financial planning advice may include:
- Life cover
- Disability cover
- Severe illness cover
- Temporary and permanent income protection
- Retrenchment-related cover
- Specialist protection for qualifying professionals
Build towards retirement with a clearer view of the future
Retirement planning starts with understanding what your current savings may provide and what still needs to be done. Your investment strategy should support both your shorter-term needs and the life you want to build over time.
We help you create a clear plan based on your goals, timeframe, financial position and tolerance for risk, with local and offshore options considered where appropriate.
Advice may cover:
- Retirement annuities
- Pension and provident fund planning
- Preservation of retirement benefits
- Pre-retirement investment planning
- Retirement income options
- Local and offshore investments
- Investment portfolio reviews
Protect the business behind your family’s income
A business often supports more than its owners. It may provide income for families, employees and partners, which makes planning for unexpected change especially important.
Aurum Trust helps business owners prepare for the death, disability or departure of a key person, while also considering ownership changes, succession and the future continuity of the business.
Advice may cover:
- Key person cover
- Buy-and-sell agreements
- Contingent liability cover
- Restraint-of-trade arrangements
- Business succession planning
- Protection for owners and essential employees
Make sense of medical cover before you need it
Medical aid options can be difficult to compare, especially when contributions, hospital networks, benefits and exclusions vary so widely. Gap cover may also provide added protection against certain shortfalls on in-hospital claims.
We help individuals, families and businesses review their current arrangements and choose cover that is better suited to their healthcare needs and budget.
Advice may cover:
- Medical aid comparisons
- Gap cover comparisons
- Reviews of existing benefits
- Family and employer group needs
- Annual medical aid and gap cover reviews
Make your wishes clear and protect those you leave behind
A well-structured estate plan helps make your wishes clear and reduces uncertainty for the people you leave behind. It should consider your will, beneficiaries, debts, estate costs, taxes and any business interests you hold.
Aurum Trust helps you bring these elements together, prepare or update your will and plan for the financial needs of your family and estate.
Advice may cover:
- Estate planning
- Preparing and updating wills
- Estate liquidity planning
- Beneficiary reviews
- Business interests within an estate
- Executor services
- Coordination with attorneys and accountants
Protect the assets you have worked to build
Short-term insurance protects the assets and business interests you have worked to build. This may include your home, vehicles, household contents, commercial property, equipment and liability risks.
We help you review existing policies, identify possible gaps and compare suitable cover for your personal circumstances or the needs of your business.
Advice may cover:
- Homes and household contents
- Vehicles and valuable possessions
- Commercial property and equipment
- Business interruption
- Liability cover
- Annual short-term insurance reviews
I would like to express my sincere appreciation for the exceptional service and expert financial guidance I’ve received from Gustav Potgieter from Aurum Trust since the beginning of our professional relationship in 2022. His professionalism, integrity, and ability to provide clear, sound advice have made a meaningful and lasting difference in my financial journey.
Start with one calm conversation
Whether you need help with one immediate decision or a more complete financial plan, the first step is to understand where you are, what matters most and what needs attention.
Speak to a member of the Aurum Trust team about how we can help.