Financial Consultation Disclaimer
Learn more about the important information regarding our financial planning consultations and investment advisory services. This disclaimer outlines the terms, limitations, and considerations for our professional financial consultation services ranging from R1,500 to R7,500.
June 25, 2025
General Investment Information
Our financial planning consultations provide general investment information and strategic guidance based on your individual circumstances. All investment recommendations are tailored to your risk tolerance, financial goals, and asset allocation preferences.
Portfolio optimization strategies discussed during consultations are based on current market conditions and historical performance data. Market volatility and economic factors can significantly impact investment returns and portfolio performance.
Important: Past performance does not guarantee future results. All investments carry inherent risks.
Diversification strategies and risk management techniques cannot eliminate the possibility of loss. Market conditions may cause portfolio strategies to underperform expectations.
Professional Consultation Limitations
Our financial consultations provide educational guidance and strategic recommendations. Implementation of wealth management strategies requires careful consideration of your personal financial situation and ongoing market monitoring.
- We are not liable for investment losses resulting from market conditions beyond our control.
- Capital preservation strategies may limit growth potential during favorable market conditions.
- Tax optimization recommendations should be verified with qualified tax professionals.
- Estate planning suggestions require coordination with legal and tax advisors.
Market Risk Factors
Financial planning involves assessment of various risk factors including market volatility, interest rate changes, inflation impact, and economic uncertainty. These factors can affect investment performance and financial goal achievement.
Investment horizon considerations and retirement timeline planning are based on current assumptions that may change over time. Regular portfolio reviews and strategy adjustments may be necessary.
Market corrections and economic downturns can impact investment values and require strategy modifications.
Consultation Scope
Our consultations cover asset allocation, investment strategies, retirement planning, and wealth management within the scope of general financial guidance. Specific legal, tax, or insurance advice requires consultation with appropriate professionals.
Results Disclaimer
Individual results may vary based on personal circumstances, market conditions, and implementation of recommended strategies. Financial planning success depends on consistent application and regular monitoring.
Results may vary. No guaranteed returns or specific outcomes are promised.
External Information Sources
We utilize various financial data sources, market research, and economic analysis tools to support our recommendations. While we strive for accuracy, we cannot guarantee the completeness of all external information.
- Market data is obtained from reputable financial information providers.
- Economic forecasts are based on current available information.
- Third-party research is independently verified when possible.
Regulatory Compliance
Our financial consultation services comply with South African financial services regulations. We maintain appropriate professional standards and continuing education requirements.
All recommendations are provided within regulatory guidelines and professional standards.
Client Responsibilities
Clients are responsible for providing accurate financial information, disclosing relevant circumstances, and making informed decisions based on consultation recommendations.
Regular communication and updates ensure optimal financial planning outcomes.
Modification of Terms
This disclaimer may be updated to reflect changes in regulations, market conditions, or service offerings. Clients will be notified of significant changes to consultation terms.
Contact Information
11 Nicoll Rd, Korsten, Gqeberha, 6020, South Africa