PRODUCING RESULTS
Fruition Consulting is an independent financial services provider dedicated to the sole purpose of helping people navigate through the complex and ever changing world of finance. Thereby making a tangible difference in the lives of our customers when they retire or when things go wrong.

Our office consists of a multi-disciplinary team focusing the achievement of one's life goals through the active management of one's personal finance on a regular basis. Life goals can include buying a home, saving for your child's education or planning to ensure a reliable income for retirement. Building wealth requires sound wealth creation strategies, good investment selection and continuing financial planning investment management.

We are about working together as an agile, innovative and dynamic team whilst taking the time to really get to know our customers and their businesses to ensure that a tailor made financial solution meets their insurance and investment needs. We will evaluate the type of cover required by our clients and present different options. Consequently clients have more options to choose from, which will increase their knowledge, resulting in getting the best value
for money.

By educating our clients to the many risks they face, assessing their current position holistically, a properly structured strategy is put in place to correctly align their current insurance and wealth creation portfolios. Thereafter, we review our client's portfolio on a regular basis to determine any changes and address any shortfalls to ensure that each client remains on track to achieve their financial goals.

We believe we have an obligation to assist our customers to recognize the risks they face by not being insured or correctly insured and to appreciate the value provided by a properly structured financial plan that will adequately protect them against incidents arising from personal misfortune or negligence.

Taking into account your financial situation and anticipated after tax retirement income needs, we develop a financial plan that assists us in constructing an investment solution that is most likely to achieve your financial objectives. We ensure that you understand the commensurate risk to achieve the required return on your investment.

It is our view that investors should aim to achieve realistic returns over the long termby having a diversified and balanced investment strategy.

It is crucial to take advantage of tax-deductible savings plans while you are still young and working. A retirement fund, such as a retirement annuity, allows you to reduce your current tax bill immediately and accumulate savings tax-free over time within the fund. Medical aid membership should be an important part of everyone's financial planning. If you do not have medical aid cover, an operation or a stay at a private hospital can have severe financial consequences. From a long-term financial planning point of view, it would be sensible to assume that you will have to provide for your own medical costs in retirement.

While you are still building your wealth and repaying your home loan, your most valuable asset is your ability to earn an income. Minimising your risk of financial loss, through insurance, is an important part of financial planning.

We will provide you with comprehensive advice on risk insurance, covering such key areas as life, critical illness, disability and income protection insurance. We will also help put in place the cover that you require, using an objective cost benefit assessment of reputable financial solutions.

Fruition Consulting will:

Provide independent, professional investment and financial planning advice
Recommend, in writing, the various investment and strategy options available to help you achieve your goals
Remain aware of your attitude to investment risk factors
Carefully explain all costs you may incur as well as the payment options available to you

MISSION
We pride ourselves by consistently providing independent, competent and practical financial advice through our commitment to life-long learning, honesty and integrity in all areas of financial planning, enhancing the lives of our clients and their families.

VALUES
Our core values of honesty, confidentiality, professionalism and integrity are non-negotiable.

Fruition Consulting is an independent financial services provider