My name is Terence Tobin, and I’m an independent Financial Planner and Investment Advisor. My offices are in Fourways, Gauteng, South Africa, however I have clients throughout South Africa. I am a professional who helps individuals set and achieve their long-term goals, through investments, tax planning, asset allocation, risk management, retirement planning and estate planning.  To contact me directly, please visit my contact page.

“I don’t need a financial planner or investment advisor!”

is usually the first response I get when I introduce myself. That and a door slammed in my face! It’s OK though, that’s why I built a website instead. No, seriously, it’s a question you should consider before clicking the Close Button.

“Do I need a financial planner or investment advisor?”

Check out the facts and figures below and rate yourself…

• About 95% of the current workforce will not be able to maintain their lifestyle when they retire, a situation which can easily be prevented by making better financial decisions now
• 75% of South Africans and their businesses are ‘protected’ by old generation medical and insurance products which are overpriced and will not serve our needs in the event of an emergency
• South Africans are under insured or incorrectly insured to the tune of 10 trillion rands – TRILLION!
• By doing due diligence, a financial planner can actually help you protect yourself, your family and ensure that the puzzle we call life is all in order and the pieces have their correct place.

If there’s ever been a hard year financially , it would have to be 2009. Everyone everywhere has felt the effects of the financial crisis personally, on family, and in business. I believe that it’s an opportunity to learn, to change what we do so that we can get different results. NOW is the time to take control of your finances.

5 major concerns for most of us (do any or all of these concern you?)

• Dying too soon – Dying before having accumulated enough capital to provide an ongoing income for dependents
• Living too long – Outliving the ability to support yourself financially
• Major medical expenses – Having savings eroded by unforeseen hospitalisation costs
• Becoming disabled or suffering a severe illness – Loosing the ability to generate an income through permanent or temporary disability
• Inflation and tax – To prevent savings from being eroded

Nobody plans to fail, but most of us FAIL to PLAN!

If you’re saying Terence, WOW, I’m interested, tell me more… great… read on to find out more, and have your questions answered:

Terence Tobin is a registered financial planner and advisor with the Financial Services Board employed by FNB Financial Planning and Advisory Services. This web site is privately owned and operated by Terence Tobin and FNB Financial Planning and Advisory Services is neither associated with this site nor endorses any opinions expressed here.