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What I've learnt over 14 years, whilst helping families on their financial journey

You can do some of your financial planning on your own; I recommend that you do. What you can’t do on your own is see your “blind spots“.  You don’t know what you don’t know and when you find out, it might be too late. My passion is working with families to help them develop their financial plans, as I work with you and your family to design your plan together.

Being an independent fee based financial planner with an Advanced Certificate in Financial Planning (from Milpark Business School) and not influenced by an insurance company or commissions, allows me the unique opportunity to help you design your best life.  

Terence listens keenly to the individual needs of his clients to get a complete understanding of current circumstances and their short, medium and long-term financial goals. Using what he has learned, Terence can be trusted to customise and share his best advise on available products within your risk appetite and budget to help you in achieving your financial goals. He is engaging and eager to share knowledge in a way that everyone can understand and frequently does so via a well-thought out and relevant newsletter. He is extremely helpful, readily available and approaches all clients with respect, empathy and the same level of service and consideration. Terence came recommended to me and I have happily referred him to family and friends.

Yajna Maharaj

- client

Terence, are you really an independent financial planner?

YES, I am! As the founder of the Rich Ideas Group, FSP licence number #50569, I am not influenced, nor compelled to support any particular investment product or insurance provider.  I do have contracts with many of South Africa’s largest providers. However; I do my best work with YOU. To help you align your resources (capital and time) to what serves you best, with providers you feel are a great fit and help you reach your goals.

I like to consider myself your “go to guy” or your families “chief financial officer“, working with you to understand what is important to you and celebrating with you along the way.

What does Terence offer through his comprehensive financial planning journey?

Stop researching and start getting answers. I’m here for the long term to help you plan as your life and work situation changes.

Comprehensive financial planning is something that everyone can benefit from.  While you can spend hours researching some of this stuff on your own, you have a day job that keeps you busy and being a parent taking up the rest of your time.  It’s much easier to work with Terence than to wade through mountains of news articles and how to guides.  I provide my clients peace of mind by providing a road map for moving your finances forward and  answer all your questions along the way.

Some additional benefits of working with an advisor are that we’ll find ways to help you:

1) Navigate what lies ahead, whilst ensuring your financial future becomes a reality. Being your accountability partner

2) Save money by making sure you’re not overpaying for fees, insurance or debt. 

3) Avoid making costly behavioral mistakes with your finances.

My team and I, can also help you spot issues that you might not be thinking about at all.  There is no one-size-fits all approach. The recommendations you receive will be customized based on your values around money and reflect your own unique goals and priorities.

If you do want or need policies and products,
I can help with that.

Terence's Client Support Team

Salomé Nel
Operations Director and Financial Planner

Salomé is passionate about helping others shine. Her commitment to her work, dedication to her colleagues and clients as well as her ability to keep her thumb on all that is happening in Terence’s office; is why everyone that works with her, absolutely loves her.

Tel: 011 568 1338 | Email: salome@richideas.co.za

Cayleigh Sanzullo
Office Administrator and Client Support

Cayleigh, is organised and detail orientated, she is the office go-to, for all your admin-related queries and requests. She is always happy to take your calls with the kind of smile you can hear. If you’re unsure of what you need, she will guide you through our services as a start to your financial journey with the Terence.

Tel: 011 568 1338 | Email: admin@richideas.co.za

Proud Member of 

Who are you? 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 reaching your goals is as easy as possible.

Terence Tobin

Passionate independent financial planner and money coach

Terence Tobin is part of the Rich Ideas Group (Pty) Ltd, an authorised financial services provider #50569.  Please read this important disclaimer.

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