Services Guide

The Complete Guide to Every Financial Planning Service We Offer

Ten services, one advisor, one goal: your financial peace of mind. Below is a plain-language breakdown of everything TEE The Financial Planner offers in Centurion and across South Africa — what each service is, who it's for, and how it protects or grows what matters to you. Every service starts the same way: a free, no-obligation consultation.

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Children's Education Planning

Children's education planning is a savings and investment strategy that grows over time so tuition and related costs are covered without financial strain when the time comes.

Education costs rise every year, and the earlier you start saving, the less you need to contribute monthly because compound growth does the heavy lifting. This service builds a dedicated education investment plan around your child's age, your timeline, and your monthly budget — so university, college or school fees are funded well in advance rather than paid for out of pocket under pressure.

  • Ideal for parents and guardians of children of any age, from newborn to teenage years
  • Structured around a fixed target date — the year your child starts tertiary education
  • Uses tax-efficient, education-focused investment vehicles suited to your risk profile
Start planning today →
🌐

Retirement Planning

Retirement planning is the process of building a long-term savings and investment strategy so your income continues, uninterrupted, once you stop working.

Globally, only a small fraction of retirees are able to retire comfortably — most run short of income within a few years of stopping work. A proper retirement plan looks at retirement annuities, preservation funds, and pension fund options, calculates what "enough" actually means for your lifestyle, and builds a contribution strategy that closes the gap between where you are now and where you need to be.

  • Ideal for employees, self-employed professionals, and business owners at any career stage
  • Covers retirement annuities, preservation funds, and pension/provident fund optimisation
  • Includes a retirement-readiness review to show exactly how far your current savings will stretch
Secure your future →
📜

Free Will Planning

Will planning is drafting a legal document that states exactly who inherits your assets, who cares for your minor children, and how your estate should be handled after your death.

Without a valid will, the law — not you — decides how your estate is divided, which can lead to delays, family disputes, and outcomes you never intended, regardless of how large or small your estate is. This service walks you through drafting or updating a will at no cost, ensuring your wishes are documented clearly and your loved ones are protected when it matters most.

  • Ideal for anyone with assets, dependants, or specific wishes for their estate — at any age
  • Covers asset distribution, guardianship nominations, and executor appointment
  • Offered completely free, with no obligation to take up any other product
Protect your legacy →
🛡️

Life Cover & Insurance

Life cover pays a lump sum benefit to your chosen beneficiaries if you pass away, so your family's lifestyle and financial obligations are protected in your absence.

Life cover is assessed against your income, debt (such as a bond), dependants, and long-term goals to calculate the right level of cover — not too little to leave gaps, and not so much that premiums become a burden. Comprehensive options can also include disability and dread disease benefits alongside a core life benefit.

  • Ideal for anyone with dependants, a bond, or financial obligations that outlive them
  • Cover amounts are tailored to income replacement, debt settlement, and future goals
  • Can be combined with disability and critical illness benefits for broader protection
Insure your lifestyle →
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Smart Investments

Smart investing means placing your money into evidence-based investment vehicles — matched to your risk profile and timeline — so it grows faster than it would sitting in cash.

From unit trusts to retirement annuities and tax-free savings accounts, the right investment mix depends on your goals, your time horizon, and how much risk you're comfortable carrying. This service assesses your risk profile, explains the trade-offs of each option in plain language, and builds a diversified portfolio designed to grow steadily over time.

  • Ideal for anyone building wealth for a goal — a home, retirement, or long-term financial freedom
  • Covers unit trusts, retirement annuities, tax-free savings accounts, and offshore options
  • Portfolios are matched to your personal risk profile and reviewed regularly
Grow your wealth →
🚗

Comprehensive Car Insurance

Comprehensive car insurance covers your vehicle against accidents, theft, hijacking, and other unexpected events, protecting one of your largest personal assets.

Vehicle cover is compared across reputable insurers to find the right balance of premium and protection for your specific car, driving profile, and budget — including options for excess structures, car hire benefits, and roadside assistance add-ons.

  • Ideal for any vehicle owner who wants full protection rather than third-party-only cover
  • Includes accident, theft, hijacking, and weather-related damage cover
  • Optional extras such as car hire, roadside assistance, and excess protection
Stay protected →
❤️

Medical Aid Solutions

Medical aid solutions help you choose the right healthcare cover — from hospital plans to comprehensive options — for your health needs and your family's budget.

With dozens of medical aid options on the market, comparing benefits, exclusions, and network hospitals can be overwhelming. This service simplifies the decision by matching your health needs, family size, and budget to the most suitable plan, and can include gap cover to close shortfalls between medical aid payouts and actual hospital bills.

  • Ideal for individuals, couples, and families reviewing or starting medical cover
  • Covers hospital plans through to comprehensive, full-benefit options
  • Includes guidance on gap cover to reduce out-of-pocket hospital shortfalls
Protect your health →
🧾

Income Protector

Income protection is a policy that pays you a monthly income if illness or injury prevents you from working, replacing the salary you'd otherwise lose.

Your ability to earn an income is arguably your most valuable financial asset — more valuable than your car or your home, because it funds everything else. Income protection plans are structured around your occupation, current earnings, and how long you could sustain expenses without a salary, so a temporary or permanent inability to work doesn't derail your finances.

  • Ideal for salaried employees, self-employed professionals, and business owners
  • Pays a monthly benefit during illness or injury-related absence from work
  • Benefit amount and waiting period are tailored to your occupation and expenses
Protect your income →
🔐

Retrenchment Cover

Retrenchment cover pays out a benefit if you lose your job due to retrenchment, giving you a financial cushion while you search for new income.

Job loss through no fault of your own can happen to anyone, and it often arrives without warning. Retrenchment cover provides a safety net — typically covering essential expenses like your bond or rent instalments — for a defined period, giving you breathing room to find new employment without falling behind financially.

  • Ideal for salaried employees, especially those with a bond or fixed monthly commitments
  • Pays a benefit for a defined period following confirmed retrenchment
  • Often paired with bond or debt protection cover for added security
Stay financially secure →
🏢

Business Financial Planning

Business financial planning protects a company itself — not just its owners — through key-person insurance, buy-and-sell agreements, and succession planning.

A business can be just as financially exposed as an individual. If a key person or owner passes away, becomes disabled, or exits, the business needs a funded plan to keep operating, buy out a departing partner's share, or replace lost expertise. This service structures those safeguards so the enterprise — and everyone who depends on it — remains protected.

  • Ideal for business owners, partners, and companies with key employees
  • Covers key-person insurance, buy-and-sell agreements, and succession planning
  • Structured around your shareholding, partnership agreements, and business valuation
Protect your business →

Frequently Asked Questions

What services does TEE The Financial Planner offer?
Ten core services: children's education planning, retirement planning, free will planning, life cover and insurance, smart investments, comprehensive car insurance, medical aid solutions, income protection, retrenchment cover, and business financial planning. Every service starts with a free, no-obligation consultation.
Do I need to be wealthy to start financial planning?
No. Financial planning works best when it starts early and small, letting consistent contributions and compound growth do the work over time, rather than requiring a large lump sum upfront.
What's the difference between life cover and income protection?
Life cover pays a lump sum to your beneficiaries if you pass away. Income protection instead replaces part of your own monthly income while you're alive but unable to work due to illness or injury.
Why do I need a will if I don't have many assets?
A will decides who inherits your assets and who cares for minor children. Without one, the law decides for you — which can mean delays, disputes, and outcomes you never intended, regardless of estate size.
How does retrenchment cover work?
It pays out a benefit if you're retrenched, giving you a financial cushion to cover essentials like your bond or rent while you find new income.
Can a financial planner help my business, not just me personally?
Yes. Business financial planning covers key-person insurance, buy-and-sell agreements, and succession planning — protecting the business itself, not just its owners.
Is the first consultation really free?
Yes. Every service begins with a free, no-obligation consultation to review your current financial position before anything is recommended.

Not Sure Which Service Is Right for You?

Book a free, no-obligation consultation and we'll map out the right combination of services for your goals, your budget, and your family's future.

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