Thinking with and acting for you

If you prefer not dealing with an academically qualified and experienced Financial Adviser in person but still require your own personalised objective FINANCIAL NEEDS AUDIT of your Financial situation

BEFORE CONSULTING WITH US PLEASE WATCH THIS VIDEO

Thinking Financial Planners is a fee-based Financial Planning consultancy objectively and holistically advising both our high self-worth clients as well as our corporate clients in Wealth and Retirement Management, Estate Planning and Financial Risk Mitigation. We ask, we listen attentively, we brainstorm, we think strategically, we plan, we implement and we take diligent care of our client’s Financial strategy so they can focus on their own areas of expertise and importance. Thinking Financial Planners is fiercely independent; passionately impartial and completely free to find solutions and make recommendations that are truly in our clients’ best interests. We care about our clients, whilst respecting their space and time.

Personalised Consulting

For more information on our services or to book a consultation kindly contact us

Tax

Tax legislation is increasingly complex. Our firm offers both compliance and consulting functions in most areas of tax.

Wealth

The wealth environment is constantly evolving. Financial risk, market volatility and regulatory changes require constant alignment. Our firm can ensure your wealth plans are fit for purpose.

Estate

Our Estate Planning and Fiduciary Services encompass the practical aspects of the drafting of wills and administration of deceased estates.

Risk

Life insurance and Disability and Dreaded disease seems simple until you start making comparisons then suddenly it can become confusing and misleading. Getting truly independent, objective and holistic personalized advice in these areas can make the difference

Bank

Our firm facilitates short, medium and long term borrowing, deposits and investment solutions through our banking partner Grindrod Bank. We are able to negotiate some of the best rates in the market.

Corporate Consulting

For more information on our services or to book a consultation kindly contact us

Retirement

The corporate retirement landscape is evolving constantly. Our firm can ensuring that your company's Retirement strategies are designed to maintain dynamic retirement programs that align with your business goals and optimize results for both your business and your employees.

Succession

Death or disablement of a business owner or co-owner could leave such owner’s estate severely exposed. Our firm will analyse in depth such risks within your business and provide advice and possible solutions that are appropriate and effective.

Key Person

A key person/s is responsible for the majority of profits, or has a unique / hard to replace skill set such as Intellectual Property or specialized knowledge which may be vital to the organisation. Our firm can assist in analysing various risks associated with such key person/s and provide appropriate solutions.

Surety

Business owners who borrow capital usually have to sign personal suretyship on behalf of their businesses with the result that the business owner's estate could be held liable for the businesses debts. We can assist in addressing these risks and concerns.

Bank

Our firm facilitates short, medium and long term borrowing, deposits and investment solutions through our banking partner Grindrod Bank. We are able to negotiate some of the best rates in the market.

Stay Informed

Sign up for our newsletter and get our latest services delivered to you.

For clients who do not want, or cannot afford, the personalized services of an academically qualified professional independent financial advisor the robo-advisor option provides an automated, cost effective, algorithm-based online service for investing your money. A robo-advisor constructs an investment portfolio tailored to your personal risk appetite, using questionnaires to discern important information about you, needed to personalize a portfolio designed specifically for you. The robo-advisor can complement or even replace face-to-face simplified savings and investment advice with online guidance and allows you to monitor your investments 24/7, making your life easier and your money work harder for you because of the low costs compared to human personalized advice. Robo-advisors aren’t robots — they are algorithms created, monitored and tweaked by real (human) investment professionals

You can book accommodation, get a taxi, have food delivered to your door or watch any movie you want using your online device and now you can invest your money too, right here, right now – the first independent hybrid personal and robo firm to serve South Africa.

COMING SOON TO THIS PAGE

Josè Proença has been advising clients since 1981, his academic qualifications include the Advanced CFP® (CERTIFIED FINANCIAL PLANNER); the Higher Diploma in Tax Law through WITS University (H. Dip (Tax Law)) Wits and the FIDSA® (Fiduciary Institute of SA) qualification through the University of the Free State enabling him to be a practitioner in Deceased Estates and WILL drafting.

Josè specializes in Tax Planning; Wealth Management, Deceased Estates, Estate Planning and Financial Risk Mitigation for personal clients as well as Corporate Wealth; Retirement and Risk Mitigation in businesses.

In order to improve your experience and our service to you we have incorporated a feedback programme. A quick  4 min survey to help us improve our current service delivery. We would appreciate your participation as we value your input

Thinking – News

  • Do I need a financial adviser for my pension? April 12, 2021 8:08 pm The Motley Fool Image source: Getty Images Share this page: Do you have a pension? You might be wondering whether you always need to contact a financial adviser when opening, transferring or making changes to a plan. This article answers some of the most common questions …
  • South Africa Now Most Favoured Global Offshore Customer Experience Delivery Location April 12, 2021 7:40 pm South Africa - The Good News 12 April 2021, Johannesburg – Following three consecutive years at second place, South Africa has been named the number one globally preferred front office Customer Experience (CX) offshore location. The award was announced on 8 April by Ryan Strategic …
  • Alibaba shares jump after record $2.8bn anti-monopoly fine April 12, 2021 7:15 pm The Guardian Shares in Alibaba surged on Monday after the e-commerce company said that a record $2.8bn (£2bn) fine handed down by Chinese regulators marked the end of an investigation into anti-competitive practices at the company. Top executives at the company, …
  • “Alvin,” by Jonas Eika April 12, 2021 6:47 pm The New Yorker I arrived in Copenhagen sweaty and halfway out of myself after an extremely fictional flight. Frankly, I would use that word for any air travel, but on this trip I had, shortly after takeoff, fallen into a light feverish daze in which I relived a series of …
  • Darcy Bergen Discusses Why a Roth Conversion May Make Sense for You April 12, 2021 4:37 pm EIN Presswire Financial planner Darcy Bergen recently discussed why a Roth IRA conversion could work for you in the current economy. PEORIA, AZ, UNITED STATES, April 12, 2021 /⁨EINPresswire.com⁩/ -- The stock market took a major downturn during the 2020 …
  • Osino Resources Reports Maiden Mineral Resource at the Twin Hills Gold Project, Namibia April 12, 2021 4:13 pm EIN Presswire Highlights 13.5 million tonnes (Mt) at an average grade of 1.00 g/t Au for a total of 0.43 million ounces (Moz) of gold in the Indicated mineral resource category. 42.6 Mt at an average grade of 1.08 g/t Au for a total of 1.47 Moz of gold in the …
  • Global X Grows its Thematic Offering with the Launch of Clean Water ETF (AQWA) April 12, 2021 3:30 pm EIN Presswire NEW YORK, April 12, 2021 (GLOBE NEWSWIRE) -- Global X ETFs, the New York-based provider of exchange-traded funds (ETFs), today announced the launch of the Global X Clean Water ETF (AQWA). AQWA is Global X’s latest addition to its Thematic Growth family, …

Personal Questionnaire

  • where you are financially today
  • where you are going with your finances
  • how to solve one or more financial challenges you may have
  • how to monitor your finances on an ongoing basis

Download your PERSONAL QUESTIONNAIRE (click here) onto your device, complete it, and sign it  and then return to our website and under FNA QUESTIONNAIRE BROWSE the file from your device and SUBMIT QUESTIONNAIRE.

You will be acknowledged and be advised of EFT payment details. Within 36 hours of submitting Proof of Payment you will receive your Personalised Financial Needs Audit result with comments and action points and you can decide on the way forward with whom ever you wish.”