Financial Planning
Financial Planning is only for people with so much money, they don't know what to do with it, right?
Actually, studies show that a comprehensive financial plan can benefit people at all income levels — but not a lot of South Africans know this.
Comprehensive financial planning covers savings and investments; planning for retirement, education, emergencies, major purchases, and other financial goals; and insurance needs.
Are you financially secure?
What is Gap Cover?
It is a short-term insurance product that covers the gap amount that occurs during in-hospital procedures, when medical service providers charge more than the medical scheme rate i.e. your medical scheme could pay for up to 200% of their rate, but the doctors often charge up to 500% or more. That gap amount would be for your own account, or can be claimed from Gap Cover if you are a policy holder. This is a product exclusively for members of a registered medical scheme.
Do you need gap cover?
Investment and Savings Planning
At RLS Financial Services, we encourage the concept of saving for your future. Investing in a product or two that will help your money to grow is a much better way of managing the money in your future than by going into debt and paying it off gradually while the interest eats away your liquid assets.
Save now for your retirement
Save now for your child's education
Save for something special (like an overseas holiday, home renovations, or that sports car you've always wanted)
Are you ready for retirement?
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Medical Aid
Looking after your health is imperative to a good quality of life, so we want to help you find the best medical aid to suit your individual needs. Whether you are an exceptionally healthy individual looking for a hospital plan in case of an emergency, or whether you need family cover, medical savings, or cover for a chronic illness – whatever your needs, we can help!
Are you medically secure?
Life Insurance
Life insurance should really be called "death insurance", but we don't really like to think of our inevitable end. Life insurance is, however, a necessary part of ensuring not only financial security, but also an ongoing quality of life for your spouse, children, parents, and other beneficiaries in the event of your untimely death.
Have you got enough cover?
Funeral Plans
Losing a loved one is never easy. During your time of mourning, you should be able to reflect and remember all the things that made that person special without having to worry about not being able to give them a dignified funeral.
In case of death, what happens?
Wills and Trusts
Your last will and testament is one of the most important documents you will ever sign during your lifetime. It is an essential part of estate planning as it stipulates how you want your assets dealt with upon your death.
Are your wishes seen to?
Wellness Programmes
Medical aid providers are in the business of ensuring their members stay healthy. As a means of encouraging a quality lifestyle of physical and mental wellbeing, the top Medical aid providers offer wellness programmes for their members, which come with a variety of benefits and rewards.
How is your quality of life?
Retirement Planning
Planning for your retirement may seem like a scary thing to do because it might just make you realise that it's not too far off, even if you've only started working. However, working with RLS Financial Services to ensure you're financially secure in your golden years will make some of that dread disappear. We have a simple way to work out how to go about your retirement planning:
Decide what sort of lifestyle you want to live when you've retired
We'll help you figure out how much money you need by the time you retire, to fund the lifestyle you deserve
We'll help you to draft a plan, which will lay out how much you should invest from now until the time you retire – taking into consideration any existing retirement funds you (or your employer) may have in place
Do you have the correct cover?
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