Frequently Asked Questions

We are based in Westville, KZN, but travel all over South Africa to our clients. No distance is too far, listen to our clients from the testimonials section, who will vouch for this.

We are registered with a wide range of platforms. As an independent financial services provider, we are not tied to any single platform or insurance company. Naturally, there are platforms we prefer to work with, and we are happy to share our research with you so that you can make an informed decision yourself.

It is important to note that platforms do not influence the performance of your investment; they simply act as administrators. Clients often have a misconception about this, but we can explain this in more details during a free consultation.

We are investment advisors who invest our clients' money. We select the funds in which client investments are invested and ensure they are always properly managed. As addressed in question 3 above, we hold contracts with various investment providers. If your funds are already held by one of our contracted providers, we can immediately take over the management of your investments and change the underlying funds to align with our strategy. If not, moving it to a platform we work with is a simple process.

We offer an in-house investment strategy specifically designed for retired clients, though it is not limited to them alone. This strategy is tailored to each client's individual needs; we do not apply a "one-size-fits-all" approach.

We review all our clients' portfolios annually to determine if any adjustments or changes are required, and we maintain regular communication with our clients throughout the process.

EVERYTHING!

We are pioneers in our industry, and little of what we do resembles anything our competitors do. We have developed our own internal risk profiler that is in no way comparable to what the rest of the industry offers. We do not slot clients into categories like low, medium, or high risk; we believe investments should be viewed from a completely different perspective — which is why we have such an excellent track record. We have not reinvented the wheel, but we have utilized the tools provided by our regulator in a practical and meaningful way.

We actively manage our clients' portfolio’s. We do not simply place clients in a position and leave them there, hoping for the best. We monitor the market closely and position our clients in advance for what lies ahead; we do not scramble for answers once things have already started unravelling.

At Five Two Wealth, no client ever feels uninformed or left behind.

YOU FEEL SECURE AND ALWAYS INFORMED!

Have you ever felt the need to monitor your advisor or keep him informed about matters that might affect your portfolio? That is NOT the case with Five Two Wealth. We eliminate any potential stress or concerns you might have regarding your investments. With Five Two Wealth, you can have peace of mind knowing that you will never be forgetten about or left behind.

When changes to your investments are required, we will be the one to contact you, not the other way around. We regularly do video presentations to keep our clients updated on what goes on in the market and how it may affect their position.

We are passionate about meeting our clients in person, whenever possible, for their annual reviews. We sit down individually with each client to review the events of the past year.

At Five Two Wealth, you are not just another number; your and our interests are aligned.

This is an important question to ask, and in order to answer it, two separate components first needs to be addressed:

1. Regulation: Because we are regulated by the FSCA, our industry offers the safest way to invest money. Your money can never be stolen, as the platforms through which we invest are not permitted to pay out funds to third parties. Although we receive authorization from clients to conduct online transactions on their behalf, we can never alter their banking details without a signed instruction; and even if a forged signature were provided, banking details not linked to your name cannot be added to your profile. Without that step, funds cannot be paid out, meaning your money is safe. If your money were to be stolen by an insider at a platform, the platform itself would be held liable; they would bear the loss and be required to reimburse you. Interestingly, we have previously compelled platforms to rectify errors, costing them hundreds of thousands. Our industry is strictly regulated, making it extremely safe for clients. Consequently, a dishonest advisor can never steal your money.

2. Underlying portfolio: In contrast to the above, if your money is invested in a fund that is currently performing negatively and you decide to withdraw your funds, you will realize your losses—and in that instance, you will lose money. A wise advisor (one who actively manages your investments) is essential to ensure you are consistently positioned correctly and to help you avoid making emotional decisions in the heat of the moment. It serves no purpose to have an advisor who tries to persuade you not to switch—simply for the sake of it—when your underlying portfolio actually needs to be adjusted due to market conditions. This is precisely what we do at Five Two Wealth: we actively manage your investments on an ongoing basis.

   PLEASE NOTE: If your funds are showing a negative return, it does not mean you have lost money (as the funds may still recover); you only realize the loss when you withdraw your funds while they are in a negative position. If you remain invested and the funds recover, you can recoup those perceived ‘losses’. Understanding these complexities is exactly why you need us.

IN CONCLUSION: Your money can never be stolen, but you can lose it if it is not invested properly or when irrational/emotional decisions are made, but that is what Five Two Wealth is here for.

IT IS VERY SIMPLE!

Contact us via the "Book a Free Consultation" link.

We will then call you to setup an appointment, where we will do an introductory presentation and explain in simple terms how our industry works, and exactly where we fit into the picture.

We understand that discussions about your finances are a private matter; that is why we are happy to meet you wherever you feel most comfortable - which is usually in the comfort of your own home. We will guide you through every step of the process and answer all your questions. We want every client to make an informed decision when choosing who will look after their life savings. We achieve this by answering all your questions in a comfortable setting, allowing you to make decisions with peace of mind.

There is NO minimum investment amount for retirees.

At Five Two Wealth there are no hidden fees. Our fees are transparent and clearly outlined below, so that you know exactly what to expect from day one. If you focus solely on comparing rands and cents, you might overlook the fact that if we outperform your current position, the fee you pay us technically comes from the growth you otherwise would not have had, rather than coming from your original capital. That alone makes our fees worth every cent.

Note that past performance is not an indicator of future performance; however, it serves as an excellent guide to determine whether someone knows what he is doing or not. Our fees are straightforward, regulated by the FSCA and are as follow for retirees:

1% (plus VAT) Planning fee

1% (plus VAT) Ongoing fee

Planning fee

The planning fee is charged upfront. Think of it as the cost of joining our strategy. It covers the research we have conducted over the years, the proprietary strategy you are being integrated into; and the personal strategic financial/estate planning and tax considerations which often results in a financial benefit greater than the fee itself. This fee is generally lower than that of our competitors because we do not want an excessive fee to be a barrier of entry preventing retired clients from joining Five Two Wealth. We want you to experience what it feels like being a client of Five Two Wealth, because once you do, you will never again question our fee and agree that we are worth every cent.

The planning fee is invoiced upfront and the client remains personally responsible for settling the invoice (In some cases, we can arrange to have this fee deducted directly from your investment. However, because this is not always possible, please be prepared to settle the invoice directly).

Ongoing fee

The ongoing fee is an annual fee that is paid monthly directly from your investment. Think of the ongoing fee as an insurance policy, ensuring that your money is ACTIVELY managed. It enables us, among other things, to continue conducting the necessary research, which is a critical prerequisite for achieving good results. Furthermore, this fee covers the excellent and continuous service you will receive, annual reviews, travel costs, any necessary ongoing adjustments, regular correspondence, presentations to keep you updated on what goes on in the market and how it may affect your position, the ability to reach out to us at any time and much more. NB: This fee includes therapy for the advisor who occasionally needs to help manage his clients' emotions ;)

YES! EVERYONE IS WELCOME.

Our core clientele are retirees, because the Lord Jesus has made retirees our priority and they are therefore our main focus. We specialize in retirees and although our investment strategy was designed for them, it is not limited to retirees alone. The core principles of our strategy can be applied to any type of clientele, whether you are non-retired or for your entity.

ABSOLUTELY!

There are so many excellent advisors out there, who simply lack the time and resources to conduct the necessary and ongoing research that is required to actively manage client’s portfolio’s successfully - this is a full-time job in itself. We realise that many clients like their advisors and we would like to honour the good advisors in our industry. That is why we specifically created software to give advisors easy access to our successful investment strategy and active fund management. This way both you and your current advisor win.

Advisors have two options:

1. They can retain their own Financial Services Provider and co-manage their clients with us. They will remain their clients’ primary advisor and Five Two Wealth will be appointed as the secondary advisor. They will continue to be responsible for financial-, tax-, and estate planning, while Five Two Wealth will be responsible for the investment strategy and fund allocation. Fees will be charged as per Question 10 (above) and are split 50/50 between your advisor and Five Two Wealth.

2. Alternatively, they can become advisors at Five Two Wealth, if they meet our requirements, while still receiving a 50/50 split.

We are looking for more individuals who are passionate about managing the wealth of retirees, so please feel free to ask your advisor to contact us through our Advisors page on the website.