Wealth Advisory

Advice built to survive a market downturn and a SARS audit

We advise on investment strategy, tax structuring and retirement planning as one connected discipline — because a recommendation that's tax-inefficient isn't really a recommendation.

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Cape Town office building facade, home of Monverat's wealth advisory practice

What's covered

Five disciplines, advised as one plan

Each area below is handled by the same advisor on your file, so the tax consequence of an investment decision — or the estate consequence of a retirement decision — is never an afterthought.

Investment Strategy

Portfolio construction and review across local and offshore mandates, benchmarked against your actual risk tolerance rather than a standard model.

Tax Structuring

Provisional tax planning, capital gains sequencing, and entity structuring for consultants, freelancers and small business owners.

Family financial planning session covering retirement drawdown modelling

Retirement Planning

Retirement annuity and preservation fund reviews, two-pot withdrawal strategy, and realistic drawdown modelling into retirement.

Handshake sealing an estate and trust planning agreement in an office

Estate & Trust Planning

Will alignment, trust structuring and beneficiary nomination reviews to reduce estate duty exposure and avoid probate delays.

Cape Town foreshore skyline in black and white, representing offshore and emigration planning

Offshore & Emigration Planning

Exchange control compliance, financial emigration sequencing, and offshore account structuring for clients relocating abroad.

How an engagement runs

Five steps, from first call to ongoing review

Nothing about the process is improvised — every engagement follows the same documented sequence, whatever the scope.

Discovery call

A 45-minute review of your current position, goals and any deadlines already in motion.

Position audit

We map every existing account, policy and structure against fees, tax exposure and stated objectives.

Written recommendation

A documented plan with reasoning, alternatives considered, and the trade-offs of each — delivered, not just discussed.

Implementation support

We coordinate directly with your fund administrators, accountant or attorney to execute the plan.

Scheduled review

Quarterly or annual check-ins, depending on format, to adjust for legislation, markets or life changes.

Questions we're asked often

Frequently asked questions

No. Monverat charges advisory fees only and does not earn commission on the products we recommend, which removes the incentive to steer you toward a particular fund or policy.

Pricing depends on complexity and is confirmed after the discovery call, once we understand the scope. Most single-decision reviews are delivered within five working days.

Yes. Roughly a third of our ongoing advisory clients work with us remotely from Johannesburg, Durban and abroad, with video calls in place of in-person meetings.

We structure and advise; filing is handled by our partner chartered accountants, so nothing falls between two providers.

All client information is processed under documented POPIA controls, with access limited to the advisors directly working on your file.

Ongoing advisory clients get a proactive review whenever a material change occurs — a job offer abroad, an inheritance, a business sale — not just at the scheduled quarterly check-in.

Get started

Ready for a plan you can actually see the reasoning behind?

Book a discovery call and leave with a written next step, whether that's with Monverat or not.

Book a Consultation Call +27 21 456 7890

Response within one business day
Fee-only advisory, no commission
Cape Town, remote nationwide