Insurance & Investments

How to cope with ongoing uncertainty

Extracted by Jaco van Niekerk of LUMENROCK from a commentary by Jeanette Marais, director of distribution and client service, Allan Gray, first published in Gray Issue on 24 May 2017

 

“There is nothing certain but the uncertain.”

 

Over the past year there have been plenty of painful reminders that we have no control over what happens in the world. And there doesn’t seem to be any clarity waiting in the wings. So, does this mean we have to get used to living in this highly uncertain state? And how do we cope with it?

Read more: How to cope with ongoing uncertainty

New insurance cover for SARS tax audits

We're always on the lookout for our valued clients, so we are drawing your attention to a growing risk: the possibility of being investigated by the South African Revenue Service (SARS)

 

You're probably thinking your accountant can take care of it if the need arises, and that your tax affairs are up to date anyway. The reality is that you needn't have done anything wrong to be selected for audit. Did you know that 1.8-million of South Africa's 20-million taxpayers were subjected to tax enquiries in one year?

Read more: New insurance cover for SARS tax audits

I Just Can’t Help Believin…

An article by Shaun McDade, Managing Director & Head of Portfolio Management, Miton Optimal Guernsey, published 12 May 2016

 

In 1977, just prior to “The King’s” untimely passing, 170 people were earning a living as Elvis Presley impersonators worldwide. Twenty years later, their number had increased to 85,000 and experts were predicting that, by 2019, half the world’s population would be Elvis impersonators.

Read more: I Just Can’t Help Believin…

Our partnership with Miton Optimal delivering returns for investment clients

By Jaco van Niekerk CFP®, Senior Financial Advisor, LUMENROCK Financial Consultants,12 May 2016

At LUMENROCK we always strive to give our clients the best possible professional advice and service. Our clients expect it from us! When considering investments, we want our clients to have confidence in our advice and management of their investment portfolios. Therefore, we use only the best fund managers when constructing tailor made portfolios for our clients.

Read more: Our partnership with Miton Optimal delivering returns for investment clients

Life assurance claims and the Ombud for long term insurance

By Jaco van Niekerk CFP®, Senior Financial Advisor, LUMENROCK Financial Consultants,12 May 2016

 

Whenever I meet with clients regarding life assurance, or when one speaks to family and friends about experiences with life or short term companies, the issue of the repudiation of claims often arises. There seems to be a common perception that companies are looking for ways not to pay claims. I therefore thought it a good idea to share a case study from the office of the Ombud for long term insurance’s newsletter #33 of April 2016.

Read more: Life assurance claims and the Ombud for long term insurance

Strap yourself in for a bumpy ride

By Jaco van Niekerk CFP®, Senior Financial Advisor: LUMENROCK Financial Consultants

 

At a time of the year when we all are looking forward to well earned rest and quality time with friends and family, recent events in our own political and economic landscape necessitate that we communicate to our clients in a timeous manner.

Many of you are asking yourselves a few uncomfortable questions regarding your investments as well as the future for our economy. So what are the issues at hand at the moment?

Read more: Strap yourself in for a bumpy ride

 

 

 

Gerrit and Agnes Kirsten
Gerrit and Agnes Kirsten
We would like to thank Jaco van Niekerk for his financial advice and assistance in setting up our retirement options, and are looking forward to a longstanding business relationship with him and LUMENROCK Financial Consultants. We appreciate his honesty and sincerity and the professional way in which everything was done. - See more at: http://lumenrock.co.za/about/client-feedback#sthash.g9udwoyq.d...
BD Boshoff
Director: Bernhoff Boerdery
Pieter Esterhuizen (prior KSE and now LUMENROCK) has been our auditor for the past 17 years. He was the accountant for several of our companies in property development, as well as the farming sector. It was during this period of time that he distinguished himself as a unique financial advisor, who is always capable of doing what is best for each and every company – in every possible situation. H...
Hugo de Wet
Business Manager: Gijima
I have known Pieter Esterhuizen, the CEO of LUMENROCK, for more than 10 years. In this time he has been very involved in my business affairs. Pieter is always available to assist me whenever I need his advice. LUMENROCK is a trusted advisor. I trust and value their inputs when it comes to tax structuring or general business advice.

 

 


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Tel : +27(0) 86 187 3255
Fax: +27(0) 86 509 4151
Email: info@lumenrock.co.za