Services

Life

Having life and risk cover intact forms a critical part of proper financial planning. It will give you the peace of mind that if something should happen to you; if you die or become disabled due to an accident or critical illness your family will be taken care of financially, because you have provided for them. If you are your family's provider, your life is your and their largest asset. In most cases it is not possible for a person to save up the same amount of money that they can buy through insuring their own life, especially if the person is still young and healthy. Our team of professional advisers can offer specialised services in:

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  • We believe that clients are the most important component of our business and serve them with honesty and integrity.
  • We harness the professional skills of well-trained motivated financial advisers and portfolio managers, with the ability to deliver beyond our promises.
  • We provide superior advice and transparent guidance with tailor- made solutions to suit every individual’s needs.
  • We set the standard for distinctive and efficient service through our highly skilled team of administrative personnel and professional advisers.
  • We are an independent establishment ensuring no conflicts of interest along with objective, independent advice.

Health

The planning of medical care is a very important part of an individual's healthy financial planning. It is a risk need which no financial planner can neglect to revise. If we consider the increasing occurrence of HIV/AIDS, the high cost of medical care in South Africa and the overloaded public medical structures, it is impossible to ignore the need for the thorough planning of medical care.

Medical aids function on the principle that all members put their money together through a monthly contribution to their funds. When a member needs funds for medical expenses, it will be funded out of the medical aid. In our continued efforts to strengthen our business and provide professional services to our clients, Optimum Financial Service has accented to a sales agreement with Cedar Healthcare Consultants (Pty) Ltd. This transaction ensured that we became part of the Imperial Group, one of the top 40 listed companies on the Johannesburg Stock Exchange,thereby strengthening our position in the healthcare industry.

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Effectively we will continue to offer healthcare consulting to all our current clients, but from now on, only within Cedar Healthcare Consultants (Pty) Ltd with FSP 22138. Cedar Healthcare (Pty) Ltd. offers various different medical aid plans from all the major Medical Schemes in South Africa, making sure that you and your family are well taken care of when health deteriorates or when medical care is needed in the case of an accident. Members now also have access to the Cedar Member Care Line, which offers support with:

  • Unresolved medical aid related queries
  • Problems with account payments
  • Clarification of benefits and administrative processes
  • Clarification of annual changes to benefits and options
  • Changes to membership status, and
  • Disputes with medical aid schemes, administrators or service providers

Invest

The most valuable advice regarding investments is to start immediately. Compound interest is frequently referred to as the 8th wonder of the modern world, and by starting with an investment plan as soon as possible you can maximise your growth.

Secondly, know your tolerance for risk. We are all unique and everyone has their own hopes, fears, objectives and ambitions and, maybe more importantly, our own circumstances and experiences. To carefully put an investment plan together without taking your risk profile into consideration, would not be realistic.

ASSET MANAGEMENT

Optimum Financial Services Group firmly believes in the multi-management approach to investments. We believe this approach adds real long term value to a portfolio with the lowest risk levels. Our team is dedicated to an active investment and risk management process within the various layers of multi-managing. We aim to deliver consistency and superiority in long term risk adjusted performance to our clients.

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Our house-view is that a precise understanding of each manager’s role contributes to the overall portfolio. Detailed understanding of risk and how to mitigate it through diversification forms the basis of multi managing. This view is implemented through in-depth manager research, analysis and constant monitoring.

Optimum BCI Stable Fund - Fact Sheet September 2015
Optimum BCI Balanced Fund - Fact Sheet September 2015
Optimum BCI Managed Growth Fund- Fact Sheet September 2015

Legal

Your last will and testament is seen as the foundation of your financial plan and ensures that your final wishes are respected and carried out accurately. Our legal advisor will assist you in drafting and updating your will and testament to ensure the correct handling of your estate. The utilisation of a trust is not a "one size fits all" solution; each client's circumstances should be taken into consideration before determining if a trust will be beneficial. Our legal advisor will be able to determine which route to follow, and assist you, if required, in setting up a trust

The distribution of a deceased's estate is very time consuming, and our legal advisor will also assist in this last act and finalise the estate. After discovering the need for legal services, we have decided to offer an additional value added service through our legal advisor. Our in-house legal advisor specialises in the following additional services:

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  • Last Will & Testaments
  • Estate Finalisation
  • Administrating and setting up of Trusts\ Company Empowerment, and
  • Buy & Sell Agreements

Insure

Short term insurance and products are regulated in terms of the Short Term Insurance Act and are there to make provision for the typical risks associated with the protection of assets against burglary, damage or disruption. There are various focal areas in the sphere of short term insurance, for example, household insurance and vehicle insurance. We offer quality service on all short term insurance products such as:

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  • Personal Lines
  • Farming & Game Farming All Risk
  • Commercial Insurance
  • Goods-In-Transit Insurance
  • Marine Insurance
  • Sectional Title Insurance
  • Aviation Insurance
  • Plant All Risk
  • Personal Liability
  • Add-on Services such as Extended Warranties etc.
  • Directors' Indemnity
  • Tailor-made products enabling our clients to be self-insured and
  • Contractors- All Risk.
  • Excellent service and rates to preferred clients

Tax

Tax planning forms an integral part of holistic financial planning, ensuring that all financial goals are aligned with tax efficiency. The rationale behind tax planning is to allow all the components of a holistic financial plan to interact more effectively by minimising tax liability. This makes the best use of all available allowances, deductions, exclusions, exemptions, etc, in order to reduce income - and capital gains tax.


Finance

Optimum strives to provide our clients with a variety of financial solutions. In light of this we have decided to add an asset finance department to our spectrum of services.

Optimum specialises in providing asset-based finance solutions to suppliers and customers of motor vehicles, commercial vehicles, medical equipment, earth moving equipment and industrial/-manufacturing equipment by offering sales agreements and rental facilities to clients through our vast client and dealer network.

Optimum assists you with the best deal and structure.for any property need; residential and commercial. We offer cost effective, flexible solutions, designed to meet each client's specific requirements and to ensure service delivery that benefits all stakeholders.

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Asset finance facilities are available in the following industries:

  • Transport
  • Aviation
  • Agricultural
  • Industrial
  • Construction
  • Engineering
  • Medical
  • Manufacturing and Passenger Vehicles.

Optimum provides finance solutions to suit both your company's budget and growth objectives, without compromising your quality and productivity. We support the development and expansion of your business, irrespective of the scale of your operation, and will provide you with the operational and financial expertise required to ensure your operational efficiency. Asset finance facilities are available in the following industries:

Transport, Aviation, Agricultural, Industrial, Construction, Engineering, Medical, Manufacturing and Passenger Vehicles. We can also refinance your assets if equity or cash flow is required. We also conduct the sale and leaseback of assets

We will arrange a tax efficient structure on any property deal and will assist with general banking facilities. Our banking specialists will negotiate banking deals for your private and business needs. Furthermore, debtor and working capital finance can be arranged through structured solutions intended to optimise working capital by leveraging off current assets.

Optimum Asset Finance offers insight and advice into the various finance options available. Our finance specialists are qualified to structure a deal to suit your requirements. Optimum Asset Finance will ensure an efficient process for your application.

Optimum Financial Services Group offers vast of services like, Life insurance, Health cover plan, Investment plan, Legal cover, Insurance, Tax and Finance plan.

Life

Having life and risk cover intact forms a critical part of proper financial planning. It will give you the peace of mind that if something should happen to you; if you die or become disabled due to an accident or critical illness your family will be taken care of financially, because you have provided for them. If you are your family’s provider, your life is your and their largest asset. In most cases it is not possible for a person to save up the same amount of money that they can buy through insuring their own life, especially if the person is still young and healthy. Our team of professional advisers can offer specialised services in:

  • We believe that clients are the most important component of our business and serve them with honesty and integrity.
  • We harness the professional skills of well-trained motivated financial advisers and portfolio managers, with the ability to deliver beyond our promises.
  • We provide superior advice and transparent guidance with tailor- made solutions to suit every individual’s needs.
  • We set the standard for distinctive and efficient service through our highly skilled team of administrative personnel and professional advisers.
  • We are an independent establishment ensuring no conflicts of interest along with objective, independent advice.

Health

The planning of medical care is a very important part of an individual’s healthy financial planning. It is a risk need which no financial planner can neglect to revise. If we consider the increasing occurrence of HIV/AIDS, the high cost of medical care in South Africa and the overloaded public medical structures, it is impossible to ignore the need for the thorough planning of medical care.

Medical aids function on the principle that all members put their money together through a monthly contribution to their funds. When a member needs funds for medical expenses, it will be funded out of the medical aid. In our continued efforts to strengthen our business and provide professional services to our clients, Optimum Financial Service has accented to a sales agreement with Cedar Healthcare Consultants (Pty) Ltd. This transaction ensured that we became part of the Imperial Group, one of the top 40 listed companies on the Johannesburg Stock Exchange,thereby strengthening our position in the healthcare industry.

Effectively we will continue to offer healthcare consulting to all our current clients, but from now on, only within Cedar Healthcare Consultants (Pty) Ltd with FSP 22138. Cedar Healthcare (Pty) Ltd. offers various different medical aid plans from all the major Medical Schemes in South Africa, making sure that you and your family are well taken care of when health deteriorates or when medical care is needed in the case of an accident. Members now also have access to the Cedar Member Care Line, which offers support with:

  • Unresolved medical aid related queries
  • Problems with account payments
  • Clarification of benefits and administrative processes
  • Clarification of annual changes to benefits and options
  • Changes to membership status, and
  • Disputes with medical aid schemes, administrators or service providers.