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Family Focused Financial Planner - Families First, Not Policies

A full view of your money

Do you know where your money is going? Do you know if you're ready for retirement?

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Learn about money

Check out the articles about money, financial products and investments on my blog

What I've learnt over 13 years, whilst helping families on their financial journey

You can do some of this 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 plan, as I work with you and your family to design your plan together.

Being an independent 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.  

In an uncertain world, where finances keep most people awake at night, Terence is a crucial ally in future-proofing oneself. What makes Terence unique, apart from his dedication, communicativeness, and useful information-sharing, he, more than most, listens and understands. In my own experience, Terence was (and is) kind and patient in learning about my goals, and has been an essential source of knowledge and guidance in making them reality. That, and his clear interest in the client (rather than pushing products onto clients to earn commissions), stands him out in his field, and I would highly commend him (and his company, Rich Ideas) to anyone interested in seriously planning for their financial future and well-being.

Kameel Premhid

- client

Am I really an independent financial planner?

YES! I am the only director and 100% owner of Rich Ideas Group (Pty) Ltd, FSP #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, but I also 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.

Learn about money through conversations

Listen to my podcast

If you do want policies and products, I can help.

Insurance

Are you correctly insured?
Will your premiums get more and more expensive every year?

Living Cover

Life, dread disease, disability and income protection cover.
Let's review your needs.

Retirement

Will you be ready for retirement. I will be fully transparent! How much is enough?

Advice

Get financial advice to meet your needs.
Everyone is unique, advice should be unique too.

Will & Estate Planning

Helping you to draft your will and legacy plan.
Don't leave it to chance.

Tax and Accounting

I have partnered with passionate professionals who can help you.

SOUTH AFRICAN INDEPENDENT FINANCIAL ADVISORS ASSOCIATION

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.

I've been in the media!