OUR SERVICES
Advice first. Solutions that follow.
Independent, qualified and human-led wealth management across your financial life - locally and offshore.
We provide holistic wealth management advice to entrepreneurs, professionals, executives, families and retirees across South Africa and internationally. Every recommendation starts with understanding your situation, your goals and your timeline. We then coordinate the right combination of investment, estate, risk and tax strategies – keeping things simple, costs transparent and your plan easy to live with.
OUR SERVICES
Advice first. Solutions that follow.
Independent, CFP®-led qualified and human-led wealth management across your financial life - locally and offshore
We provide holistic wealth management advice to entrepreneurs professionals, executives, families and retirees across South Africa and internationally. Every recommendation starts with understanding your situation, your goals and your timeline. We then coordinate the right combination of investment, estate, risk and tax strategies — keeping things simple, costs transparent and your plan easy to live with.
Investment Management
Disciplined portfolios, locally and offshore.
Sterling partners clients with highly respected fund management teams, both in South Africa and internationally. Our advisory team has extensive experience in manager selection, interrogation and approval – ensuring your portfolio is built on conviction, not convenience.
We construct portfolios aligned to your risk profile, time horizon and income requirements. Whether you’re building wealth, transitioning into retirement or managing a liquidity event, your investment strategy is tailored to where you are and where you’re headed.
What this includes: local and offshore portfolio construction, fund manager selection and monitoring, asset allocation strategy, regular portfolio reviews and rebalancing.
Offshore & Cross-Border Advisory
Access global markets with independent guidance.
For clients looking to diversify beyond South Africa, we provide structured offshore investment advice. We help you access your foreign investment allowance efficiently, select appropriate offshore structures and build a global portfolio that complements your local holdings.
For clients navigating cross-border complexity – whether through emigration, dual residency or international business interests – we coordinate with tax and legal specialists to ensure your financial plan holds up across jurisdictions.
What this includes: offshore portfolio construction, utilisation of annual foreign allowances, cross-border financial planning, coordination with international tax and legal advisers.
Estate & Succession Planning
Protect what you’ve built. Transfer it with clarity.
Estate planning is about more than drafting a will. It’s about ensuring your wealth reaches the right people, in the right way, with the least friction. We help and guide you with your wills, trusts, beneficiary nominations and succession plans so your intentions are clearly documented and efficiently executable.
For business owners, succession planning extends to the business itself – ensuring continuity, fair value and a smooth transition whether you’re handing over to family, partners or a buyer.
What this includes: will and trust structuring guidance, beneficiary reviews, business succession planning, estate duty and tax efficiency, coordination with estate attorneys and fiduciary specialists.
Retirement Planning & Income
Build towards retirement. Then live from it with confidence.
Whether retirement is decades away or imminent, we help you plan for it with precision. That means understanding how much you’ll need, optimising the structures you save in and stress-testing your plan against inflation, market cycles and longevity.
For retirees, we create sustainable, inflation-aware income strategies with regular reviews – so you know your money will last, and you can adjust as life changes.
What this includes: retirement needs analysis, pension and provident fund advice, living annuity management, income drawdown strategy, regular retirement plan reviews.
Risk & Insurance
Cover the gaps that could undo everything else.
A comprehensive wealth plan accounts for what could go wrong. We assess your risk exposure – life cover, disability, severe illness, income protection to see if this fits into your holistic plan
For business owners, risk planning also means protecting the business: key-person cover, buy-and-sell agreements and contingent liability structures that ensure continuity if something unexpected happens. For retirees and pre-retirees, it means ensuring your income strategy isn’t undermined by an uninsured event.
Risk planning is reviewed alongside your broader financial plan, so as your circumstances evolve, your cover stays appropriate and cost-effective.
What this includes: assessment of existing life cover, disability and income protection, severe illness cover, key-person and buy-and-sell insurance, gap analysis and needs assessment, regular risk reviews aligned to your financial plan.
Transparent and Aligned Fees
We do not charge an initial placement fee, however we do assess and discuss a recurring advisory fee based on a percentage of the investment value under our management. All fees and commissions are fully disclosed and agreed upfront.
Where we engage specialist providers for specific services beyond our expertise we obtain a written quote for your consideration before proceeding. We do not charge performance-based fees.
We have yet to find a performance fee structure that genuinely aligns the interests of the client and the advisory firm. Most advice-driven performance fees are one-sided, and we’d rather keep things straightforward.
Your Next Step
The first step is a conversation.
Go beyond ordinary advice. Start a conversation with our team today.
