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Additional information |
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Helfin Financial Services Group |
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Profile:
The Helfin Financial Services Group was established in 1976 by its current key individual, Mike Papageorge.
The Group consists of a long term, life and investment company known as Helfin Life Assurance Brokers (Pty) Ltd and a short term advisory company styled Helfin Risk Management Co (Pty) Ltd.
Our value proposition is to offer you, our client, an experience that reflects our decades of expertise, at exceptional value, with a stable and dedicated support staff along with regular interaction and planning. Our point of departure, is to offer you a stress free environment by removing the necessity to sell products at every opportunity. We do this by cross subsidising services such as short term insurance and investments that yield an ongoing income, thereby obviating the need for regular sales. Your overall support therefore makes it possible to offer this all-inclusive service.
We are also pleased to announce that we were adjudged to be one of the top four advisory practices in the country in 2009!
Investments: Local
As a rule we use Investec, Allan Gray, Old Mutual, Momentum Wealth and Glacier as our preferred investment platforms. We manage a series of risk graded funds on the Investec platform and outsource the multi-management investment function to Insinger Asset Management, an affiliate of Europe's largest bank: BNP Paribas. Mike is on the investment committee which meets monthly to take broad investment decisions. He is also the holder of a category II investment managers licence. [We do not take up-front investment fees.]
Investments: Offshore
We have sourced a few platforms in this regard, being Old Mutual International’s Life account, CIDEL, Glacier International and Fairbairn Private Bank. All our investment structures are SARS and FSB approved and therefore compliant. We also strive to eliminate the administrative burden for the client by using efficient and cost effective platforms in this regard.
Financial Planning
Clients financial affairs are documented, discussed and evaluated against his or her own objectives. This is generally done annually and encompasses death, disability, retirement and investment scenarios, for consideration. Attention is also paid to the short term, medical funding and testamentary requirements of the client.
The clients annual review consists of a preliminary meeting scheduled for the collation and verification of information, and a final review soon thereafter at which time the financial plan is presented and amendments made. The client walks away with a complete document that encompasses all the above aspects of his or her financial life, and assured competent administration.
Life Cover and Ancillary Benefits
We use most of the recognised Life Assurers in South Africa with a low corporate risk profile. These include Old Mutual, Liberty Life, Altrisk, Momentum and Sanlam.
Apart from life cover, disability (both capital and income), dread disease and specialist covers are also sourced from these companies.
Trusts and Wills
We establish trusts and draft standard wills, adapted to your circumstance or requirements.
Group Benefits: Provident and Pension Funds
Our group benefit packages are tailored to the requirements of the client and the members. Essentially retirement funds are established for the accumulation of funds for retirement. Additional benefits such as life cover, disability and dread disease cover are added, but this should be done frugally so that the main concept of the fund is not negated. We can manage funds with as few as 5 members to as many as 300 members. |
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