Investment Planning at Bay Union

At Bay Union, our financial planning advisors are dedicated to helping you make the right decision with your money. We provide  personalized and unbiased service by first striving to understand what you need and what your particular circumstances are. We then provide independent and expert advice that has been  trusted by our clients for years. A successful financial plan requires a partnership based on mutual trust. Without mutual trust, the partnership cannot be beneficial and enduring. The partnerships and personal relationships we have with our clients are the foundation upon which we have been built.

How can our Investment planning team help you?

PRE & POST RETIREMENT PLANNING

PERSONAL ASSURANCE

BUSINESS ASSURANCE

ESTATE PLANNING

PRE AND POST RETIREMENT PLANNING

Preparing for retirement can be intimidating and stressful mainly because of the many decisions that need to be made. We help you choose the correct savings vehicles, provide input and guide you around an appropriate strategy that will assist you in staying on track to achieve your long-term goals.

This process does not stop at retirement but continues way beyond. The post-retirement term is the time in your life when your retirement capital must sustain you for the rest of your life, with the hope that the remaining capital in the event of death can be passed down to your children. At this phase of your life, you need to know what your retirement options are and what type of pension is suitable for you. We hold your hand through this process and ensure that your capital continues to work hard for you during your retirement so that you can focus on enjoying your leisure years.

An important focus is our ability to deliver a quality investment consulting service. Our investment process is systematic and disciplined and our advice is backed by robust analysis and research. We work closely with leading independent investment advisors to find the perfect solution for you to grow your money.

PERSONAL ASSURANCE

Although not a glamorous part of financial planning, personal assurance is a critical aspect. It provides you and your family with protection against uncertainties that could affect your financial security. We ensure that you are appropriately covered for whatever life throws at you with the appropriate selection of life insurance, critical
illness and disability cover.

BUSINESS ASSURANCE

Our experience in reviewing our clients’ business assurance structures is that these are often the most neglected aspect of the financial plan. We assess your situation and make sure that your business assurance arrangements are correctly structured in order to ensure seamless business continuity and in order to avoid unnecessary estate duty, income tax or CGT consequences.

ESTATE PLANNING

We need to be cognisant of the fact that a sound financial plan should include both financial considerations in your lifetime and personal requirements upon your death. Preparing for the future of your estate means that it will go to the right people and that your loved ones will be looked after. We build an estate plan together that incorporates your wishes and ensures that your family is able to maintain the standard of living to which it is accustomed after your death.

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