Financial Planner, Coach & Advisor

Family First, Not Policies

One of my core reasons for becoming a family centred financial planner and coach was so that I could take the tools that I have learnt, fine-tuned over the last 12 years and use them to help unpack what is so often complex, jargon-filled, stress enducing, documents, policies, and legal speak.  This is to make the concepts and principles, understandable, simplified and accessible to all.  You will help me to create the reality you feel you and your family deserves.

What will you get through working with me?

  • You will have complex terms explained to you in plain and simple language. So much of the financial world is complex and unnecessarily long-winded. Together we can cut through the noise and get to the heart of what you want to provide for your family.
  • You will not have policies pushed on you. Talking about the future is intimidating and can often feel like a massive mountain which feels impossible for you to climb. Working with a financial planner and coach, with the sole focus of being your financial partner to elevate your financial success is paramount to your financial wellbeing.  Having someone selling you a product (which you might not understand fully or even need) does not allow you to make the best possible decisions in a relaxed and focused manner.
  • For over a decade, I have dealt with every kind of family and have seen every kind of financial situation. You will encounter no judgement for what you want and what you currently have. We will work from where you are now and not where you think you should be.
  • You will never experience any frustration trying to get hold of me. To me, no question is too small, because things are always evolving and changing and I am also learning, so it’s wonderful to be able to support you through whichever way you prefer

12 Years Of Helping Families With Their Financial Lives

Your Family Deserves More Than A One-Size-Fits-All Approach

You and your family are completely unique. To me, that is beautiful and wonderful.

Each family has its context, history, stories, values, and dreams.  Treasure them!

We can design you a unique solution, customised to your situation. Simply populating a form with your details and moving on, is NOT what I do. When we work together, we enter into a relationship, a partnership and a journey of trust. One where I treat your family’s dreams with the same importance as I treat my own.


What is it?
Your financial wellbeing ties in with all that you do. Having a financial coach, someone to turn to, to help you design your lifestyle with the means that you have available to ensure you can enjoy what you do and not worry about tomorrow.
Why would you need it?
The journey of coaching provides you with a plan, certainty, and clarity. It helps you plot where you are going, understand the obstacles ahead and how to deal with them to ensure you reach your financial goals.
What would occur if you did not have it?
It is my belief that you will never really know if you are on the right track, heading in the right direction and always wondering if what you do will help you reach those goals and dreams.
What sort of solutions do you make available?
I offer once-off coaching events, to help with specific queries or concerns all the way through to monthly interactions, planning, and accountability check-ins.
What is it?
A will is your most important financial planning document. It allows you to decide what happens to your wealth and assets.  Having a trust protects minors and spouses, could save on taxes and provides continuity.  Estate planning is what brings this all together.
Why would you need it?
So that you have a voice and can make decisions on what happens to your wealth, who looks after your children and protecting your loved ones.
What would occur if you did not have it?
Without this, the government would decide who gets your assets and in what percentage splits. It is a lengthy process which often means heirs lose out and children suffer.
What sort of solutions do you make available?
A complimentary consultation with my specialists provides you with a will as well as trust options to consider (when required).
What is it?
Investment growth is best enjoyed via delayed gratification coupled with a solid investment strategy to ensure your hard-earned money is placed in the best solutions to ensure your wealth grows.
Why would you need it?
Simply keeping your money in the bank does not grow wealth. Having various solutions to cater for your investment needs and goals ensures that they become a reality.
What would occur if you did not have it?
Sadly you will get progressively poorer and your money will never grow as hard as you work to earn it.
What sort of solutions do you make available?
There are dozens of products and thousands of funds, attempting this on your own is a minefield that should be avoided. Working with us to ensure you have a plan and strategy to reach your wealth creation goals is the smart choice.
What is it?
Illness, injury or disability could strike at any moment. This could severely impact your financial wellbeing, you might not be able to work and earn your income.  Your income is your most valuable asset after all. 
Why would you need it?
Without this cover, you could find yourself without any income but still with many living expenses (bond, rent, car payments, insurance, children’s needs, and family responsibilities). Let me take care of that worry for you by providing you an income either until you recover, retirement or for life.
What would occur if you did not have it?
You might become financially dependent on family or the state, you could suffer significant financial consequences as you no longer have an income to afford your lifestyle.
What sort of solutions do you make available?
There are solutions that cover your needs from day one, whether you can work or not, earn an income or not. It could be as simple as getting a note from your doctor, and we could replace your income.
What is it?
Cancer, Stroke, Heart Disease,  and Dementia does not not discriminate based on race, sex or age. These diseases or illnesses happen to those around us every single day and their occurrence is increasing daily.
Why would you need it?
Treatment to manage or cure these ailments is often very expensive and specialised. Without funding, how will you be able to get the best medical care available?
What would occur if you did not have it?
You might become reliant on state facilities or worse, no care at all. Don’t let this happen to you.
What sort of solutions do you make available?
Tax free lump-sum cash payments to you can help with time off work, transport costs to medical facilities, shortfalls in your medical aid coverage and provide you with the lifeline you need to get the best care you can afford.
What is it?
Should you suffer a life-changing disability, such as the loss, or use of a limb how will it affect your employment, your earning ability, and the way you function on a day to day basis.
Why would you need it?
To help relieve some of the financial burden from lifestyle changes that would be required and to settle outstanding debts
What would occur if you did not have it?
You might have to install ramps in your home, aids to help you in the bathroom or modify your car. Without funds, how will you do that?
What sort of solutions do you make available?
These benefits vary widely in the market from basic coverage to comprehensive coverage, with various waiting periods or claim criteria. Let me be your partner and help you to navigate the best solutions for you.
What is it?
It provides either a tax free lump sum and/or a monthly amount to those that depend on you for an income when you are no longer alive.
Why would you need it?
Your family are dependent on you for their livelihood. Monthly expenses like school fees, transportation costs, food, and clothing.  When you are not here, that income stream stops, how will they survive and continue their standard of living.
What would occur if you did not have it?
Financial hardships could make your loved ones’ lives even more difficult, whilst they suffer losing you and figuring out life post your death.
What sort of solutions do you make available?
I source solutions to provide funding to your loved ones that meet your specific needs and requirements as well as that fit within your budget but ensuring we review options available to us in the market place.
What is it?
This helps you to have peace of mind over your assets. Should something happen, you will know you will get paid out to replace them or have them replaced by the insurance company you contract with.
Why would you need it?
For many, their homes and cars are their biggest assets. Would you manage financially if something happened to them, theft, fire or demolition?
What would occur if you did not have it?
The costs for repair or replacement could be significant, why take that risk yourself? Outsource that to companies who can afford it.
What sort of solutions do you make available? My partners and I aim to understand your needs and requirements to provide with products and solutions to match them. 
What is it?
Do you enjoy managing your taxes, booking and accounting? If not, we have specialists that can help.
Why would you need it?
Understanding the income tax act and what you can claim or deduct to reduce your taxable income is not an easy task. Let our skills experts help you to ensure you get the best advice.
What would occur if you did not have it?
Errors when completing your taxes and accounting could be detrimental to you, your family and your business partners as the financial consequences could be significant with penalties, extra taxes, and even financial ruin.
What sort of solutions do you make available?
A complimentary consultation with our tax and accounting experts can assess your needs, provide you solutions and work with you to ensure all that is required is met.

It's important for Us To Connect On A Human Level

Who you are? What do you think about? What is your relationship to money? These and many more questions, have a huge impact on you and your family reaching your financial goals. Telling you what to think and what to do, is not my business. Rather it is to work alongside you, so that attaining your goals is as easy as possible.

Proud Member of the


Terence Tobin


Financial Planner and Coach

What Will You Experience?

Terence’s 6 Stages to Financial Well-being


Let’s have a chat, we can ask each other questions and see if we are a good fit.


This is the opportunity for me to understand your situation, learn more about you and your family


Together we will build your vision, create your goals and determine the path to your financial well-being.


Guidance, recommendations, and advice to provide clarity, certainty, and peace of mind. My planning and coaching services have a unique fee structure and form an integral part of this meeting and discussion.


Now we make it all happen, this is where the magic happens.


Having me at your side, throughout your journey because I care about making sure you get where you want to go.

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Get In Touch

i am available online via zoom, skype, email, whatsApp and phone calls

011 568 1338
083 337 9576
Work Central
1st Floor
Bel Air Shopping Center
Bellairs Drive
Part of the Rich Ideas Group
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