"Your time is limited, so don’t waste it living someone else’s life."
Expert Financial Advisor | Let's Do This Together
073 242 5582
There are some questions that Google can't answer. But more importantly - there are some things that Google can't ask you! With the increasing automation around us, you need to choose to have people in your life with whom you can build relationships of trust and can help you ask the right questions about your future.
With over 15 years experience - building, preserving and empowering wealth - I bring extensive value and knowledge from the industry to provide you with sound ethical advice. You can contact me for retirement planning, estate planning, medical cover and investing. As a financial advisor - this is what I'm good at. It's not about what financial products you choose, or what investment vehicles you select; it's about why you make those choices, and knowing exactly what choices may serve you and your family best.
I firmly believe that regular goal reviews are essential maintaining focus and staying flexible inside of your plan. Ultimately - I am committed to growing with you on your journey.
Let's ask powerful questions together and create unique solutions that will craft your legacy.
Updated every week to keep you informed
“Every risk is worth taking as long as it’s for a good cause, and contributes to a good life.”
Helping you choose the right products to create a portfolio that will fit the life you want to plan
Medical Cover & Gap Cover
We are able to advise on a wide and diverse range of Medical Cover and Gap Cover products that will suit almost any budget. These products range from cover for basic hospital stays through to full, comprehensive medical aids that cover consultations with doctors, medication, glasses and other medical expenses.
Retirement Planning and Provision
The sooner you begin to plan and save for your retirement, the sooner you can retire! The product most bought for this type of financial planning and provision is known as a Retirement Annuity (RA). Most companies have RA’s worked into their remuneration packages, but many don’t.
Investments & Tax Free Accounts
When it comes to investing, it’s important to have a diverse portfolio. My expert knowledge and extensive investment options allow you to truly choose the very best products available to you. From low-risk, long-term investing to high-risk, short-term strategies we can mix it up or keep it conservative: investments completely tailored to who you are and where you want to go.
Disability & Income Protection
Most households in today’s economy rely on more than one income to keep the household expenses under check, very few are able to survive on one income alone. If you were injured or disabled in some way and could no longer work, would your family be able to cope without your income?
You pay tax every month to the state, but what are you paying to provide for those that you love and care about after you have gone? Life cover should not be seen as a grudge purchase but rather as an investment into the future of your spouse and children. You work hard to provide for them now, that shouldn’t have to change in the future.
Estate planning is not only for the mega-rich. If you have assets, investment policies, risk cover and more than one potential beneficiary, then I can assist you with the planning of your estate and how it will be allocated when you pass away. An estate that is left open can cause a difficult time to be even harder for those who are left behind. Often there is more work needed on a R3m estate than on one that is worth R20m!
These products are also known as Dread Disease Cover. Advances in medical care mean that more people can now survive illnesses once thought to be fatal. However, although many individuals lead relatively normal lives, they no longer enjoy the same mobility or good health. The best medical treatment can cost you and your diminished ability to work could force you to make severe lifestyle changes.
Have you thought about what you and your family will do if you are retrenched? If it hasn’t happened to you, you probably know someone who’s been retrenched. In these tough economic times, it’s one of the most understandable fears. You want to be protected if you’re faced with retrenchment or liquidation.
Group Life, Pensions and Provident Funds remain an essential part of a well run business. I will tailor your company’s pension and provident funds for you, using the most appropriate corporate providers to tender for the risk benefits and the retirement benefits separately – ensuring cost effective and customer specific corporate benefits.
Will your business survive if you are disabled, die or become impaired or what would the consequences be if this happened to one of your partners? Together we can design flexible and comprehensive solutions to meet your business assurance needs, utilising Key-Man policies and Buy-and-Sell agreements where appropriate.
"Most people don't plan to fail, they fail to plan."
John L Beckley
ARE YOU SAVING ENOUGH?
How healthy is your financial plan when it comes to saving and provisioning funds for the future? Digital technology and our diverse economic systems and policies have increased our options both for investment and for risk protection. This is an arena that is constantly changing, growing rapidly and needs to be monitored regularly – which is one reason for having your own financial planner!
WHO DO YOU CHOOSE?
If you have never worked with a financial advisor before, you may find yourself overwhelmed by the choice, confused by the jargon and frustrated at the cost! But in the same way you wouldn't service your own car, it's good to have someone you trust to advise and guide you to make healthy decisions about your wealth.
CREATE WINNING STRATEGIES
Aside from being an expert in the money game and having a keen sense of the conditions and lay of the financial landscape, winning strategies are born inside of a relationship of trust, mutual understanding and a commitment to strive for the same goals. Your financial advisor should bring you peace-of-mind and help you maintain control of your finances.
Hear it from my clients
I engaged with Mr Ross around March 2017 when I was seeking advice on my retirement. My company Media24 informed me last January that as I would be 66 years old in January 2018 they would not be offering me a new contract. The company offered me a watered down freelance deal which I rejected.
Instead, I opted to retire. Mr Ross was a big help in this major decision. It was a life changing decision and I was concerned about retiring. But Mr Ross assured me that he would be there for me and help me make the right financial choice. What I like about him is the personal touch and his professionalism. He has gone the extra mile by always coming to my home to discuss my financial affairs.
Just to underline the confidence I have in Mr Ross I decided he was the right person handle my pension fund. I therefore moved my pension fund from FNB to Liberty for him to manage it. I have also invested, on Mr Ross’ advice, a fairly significant amount in a Stanlib investment account which he manages on my behalf.
In conclusion, I would recommend Mr Ross to my friends and associates.
I have been using Tim’s advisory and insurance services for many years and I find him extremely efficient and responsive to my needs. I would recommend him to anyone and in fact do!
Daryl van Arkel
I have the pleasure of having worked with Tim Ross as my personal financial advisor. He is a patient person and always willing to answer any questions you might have. I have worked with Tim for over 4 years and it has been great. He is knowledgeable and knows how to advise a client well – weighing the pro’s and con’s on investments that a person wants to make.
When a family member or a friend is looking for sound advice in terms of their financials or future wealth building, I recommend Tim because I know his work ethic and his dedication to serving his clients. Overall I happy with having Tim as my financial advisor and would recommend him to any client wishing to building a strong working relationship with a person that has the heart of a teacher and patience with his clients.
Georgina S. Mononela
"Innovation distinguishes between a leader and a follower."
CONTACT ME TODAY
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