Frequently Asked Questions

We are predominanty Investment Advisors. We offer an in-house developed investment strategy that was designed specifically for retirees. This Strategy is tailored to each client’s individual needs, we do not use cookie-cutters on our clients, although we use the same precision knife to do all the work.

EVERYTHING!

We are pioneers in our industry and very little we do is similar to that of our peers. We have developed our own in house risk profiler that is nothing like what the rest of the industry uses. We do not believe in putting clients into low, medium and high risk boxes, we believe that finances should be looked at in a complete different way and is why our track record is so good. We have not reinvented the wheel, but we have used the tools our regulator has given us and used it in a way that makes practical sense.

Have you ever felt that you need to continually check on your advisor?That will NOT be the case with us. We take full control, in order to remove the stress of worrying about your investments.

When changes need to be made to your investments, you will NOT be the one calling us, we will be the one calling you. We will keep you informed on what is going on with your investments, in relation to what is going on in the markets.

We actually do annual reviews, as advisors are required to do, something our peers do not seem to care about. We personally sit with each client individually.

We also have presentations atleast once a year, where we give an update on what is going on in the market, specifically in relation to how our clients have been positioned.

At Five Two Wealth, you are not just another number, your numbers are known by us.

We are platform agnostic and work with a large variety of platforms. We are an independent Financial Services Provider, meaning that we are not linked to one specific platform or insurance company. Naturally, there are platforms which we prefer dealing with over others. What is important to note is that platforms have nothing to do with how your investment performs, they are merely administrators. There is a big misconseption around this with clients, but we can explain this to you in much more detail in a free one-on-one consultation.

This is an interesting question, because there are 2 components that are completely unrelated:

1. Regulated: Because we are regulated with the FSCA, our industry is the safest way to invest money. This means that your money can never be stolen, because the platforms we invest through are not allowed to pay out monies to any third parties. So even though we get authorization from clients to do online transactions on their behalf, we can never change their banking details without a signed instructions; and even if a fake signature would be given, banking details that are not linked to your name, cannot be added to your profile. And without doing that, monies cannot be paid out. If monies would be stolen through a platform, they themselves would be held liable and would lose the money, not you. A side note on this topic, we have even forced platforms to correct mistakes, costing them in the hundreds of thousands. Our industry is super regulated and this makes it extremely safe for clients. A rogue advisor can therefore never steal your money.

2. Underlying portfolio: Contrary to the above, if your money is invested with a fund that underperforms; and you decide to cash out, you would then have solidified your losses and you can then lose a lot of money. This is why an advisor is crucial to helping you avoid making emotional decisions. Furthermore, this is why a great investment advisor is needed, who understands funds and the markets well, in order to ensure that you are always invested properly. This is exactly what we specialize in at Five Two Wealth. A side note, if your funds are negative, it does not mean that you have lost money; you only bank your loss when you get out of a bad performing fund. If you remain invested and the funds goes back up, you could recover your losses. Understanding the complexities around this is exactly why you need our help.

No, provide a free introduction consultation.

We are not going to hide our fees, but also by just comparing fees, you cannot get a fair picture. Put it this way, our clients only ever talk about fees when they sign up and never again. Fees are and should be a valid discussion, but it should be put into perspective. What you miss by just comparing rands and cents, is that if we outperform our peers, it means that we have covered our fee and that it is not costing you anything.

Now, I have to tell you that past performance is not an indication of future performance, but it is a great gauge against which you can tell if someone knows what they are doing, especially if they have gotten it right over and over.

Our fees are straight forward and industry regulated and really should not be an important part of the conversation. Think about it this way, our fee is what enables us to do what we do, in order to help you live a life of Financial Peace.

We charge 1% upfront and 1% ongoing.

UPFRONT

See the Upfront fee as the cost of joining our strategy. This goes towards all the research we have done over the years, the in-house developed strategy that you will be plugged into, the calculations that will need to be made, including taxation and the advice that often leads to be a higher monetary amount than the fee itself. This fee is generally lower than our competitors, because we do not want any hurdles preventing you from joining our winning team. We want you to experience what it is like being a Five Two Wealth client, because once you do, you will never leave.

ONGOING

See the ongoing fee as your insurance policy. This fee is generally higher than the industry standard, although it is within regulated limits. The reason this fee is higher, is because we actually work for this fee. This fee is the reason why our clients remain with us for years, because this fee enables us to do the research we do, which gives our clients the results they get. Our clients only mention fees initially. After they have experienced being our client, they never mention fees again.

External Expenses

There are no other hidden fees directly related to Five Two Wealth. All fees related to work that is associated with external providers, like that of drafting wills, will fully be disclosed upfront upon consultation and will only be invoiced once agreed upon.

Getting started is simple. Reach out through the “Book a Consultation” link and we will call you to schedule a free one-on-one consultation that is convenient for you.

We understand that discussing your finances is a private matter and we therefore prefer seeing you where you are most comfortable, which is usually your own home. We have no problem coming to you, because we want you to be comfortable throughout the process. Unlike the rest of our industry, we wnat you to understand how investments work and exactly what it is we will be doing for you. We will walk you through the every step along the way and we want to answer all the questions you have, because we have found that clients who have their questions answered upfront, are more comfortable making an informed decision.

You can reach us anytime via our contact details at the bottom of the page - through a call or email. We aim to respond quickly—usually within one business day. If we do not answer, we will call you back. We prefer Whatsapp calls.

ABSOLUTELY

We would LOVE having your advisor join our team. There are so many great advisors our there, who just do not have the right resources and time to manage investments. We know that many clients like their advisor, but would like to have our winning track-record. This is why we have developed software which makes our systems available for all advisors.

Your advisor has two options, he can keep his own FSP and partner with us, where we share responsibilities, or he can come over to Five Two Wealth, if he qualifies.

We are looking for more individuals who are passionate about managing retirees wealth. We have been geared to bring on new advisors. We operate paperless and our systems can be managed from an Ipad anywhere in the world with an internet connection. Our in-house developed strategy dovetails into our system and makes annual reviews and compliance a pleasure. All of this enables advisors to better service their own clients, while having more time to do what he loves doing.

Throughout the last 15 years, less than 10 clients have come to our offices, because we usually see them in the comfort of their own homes. For that reason offices have always been a burden. We have a physicall location for compliance reasons only.

Our work is done from a laptop with internet access and we are therefore always on the move. We realize that retirees want stability, but this should not be found in our physical location, but in our track-record, which is second to none. Our name goes before us and our reputation is more valuable to us, than money, which is what our clients will vouch for.

We service clients from all over the world.

We service clients face-to-face in South Africa and the USA. If face-to-face is not possible, technology has made it so simple for us get in touch remotely. Being in front of your computer still counts as being in the comfort of your own home.

If you can video call your granchildren, you can video call us.