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When it comes to money and finances, what’s the first thing you think of? How does your money make you feel?
If you want a less frustrating financial planning experience that gives you more freedom to make the choices you want to make, then let’s have a chat. We also have a DIY section below, so if you want to get started with out us – go for it!
We believe in building long-term relationships with our clients, since financial goals are not reached through intermittent transactional interactions, but rather through ongoing monitoring, re-planning and adjusting. This is how we help you find the heart of your financial future.
Machrie was established in 1991 by Marius Pepler and is now a second-generation family business, providing financial planning services to clients for going on 30 years. Ruark Pepler purchased the business from his father in 2010. We have extended our offering to include Financial Coaching as well as Offshore Structuring and Investments. We are a proudly independent fee-based financial planning practice.
Spread your net wider
When it comes to your retirement and the planning thereof, being covered by international pension plans could provide you with the benefits that you seek.
Sharpen the pencil
Offshore investment accounts may perform better at times than local investments. Investing offshore also gives you access to a wider opportunity set.
Cover that's centered on you
Being an independent advisor means we can offer Short Term Insurance Plans from all major insurers. Putting you first – not the insurance company.
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Staying in touch with you is important to us. We believe that building a relationship of trust requires open and regular communication.
We promise not to fill your mailbox with junk. Our newsletters and blogs are packed with valuable information on all areas of financial interest – as well as helpful tips to enjoy life!
Meet our team
Ruark Pepler
Certified Financial Planner®
Ruark is the managing director and Key Individual of Machrie Financial Planning and Coaching.
He has been with Machrie since October 2007 after returning from living in the UK for two years, upon completing his degree at the university of Pretoria. He purchased the business from his father Marius Pepler (the founder) in 2010.
Ruark holds the following qualifications: A BCom degree in Entrepreneurship, Post Graduate Diploma in Financial Planning Law, Advanced Post Graduate diploma in Assets and Investments, he currently holds the CFP (Certified Financial Planner) designation and has multiple regulatory qualifications and certificates.
Ruark's passions are Coffee, coffee, coffee, hiking, scuba-diving and innovative financial planning. He also enjoys listening to audio books and growing vegetables (growing them is more fun than eating them 😀).
Ruark is a vital part of the team and sets the strategic direction of the business and frustrates all the staff by constantly implementing new ideas and creating new spreadsheets.
He enjoys challenging himself and is constantly educating himself so that he can offer a wide range of services and advice to his clients.
Ruark believes strongly in building relationships with clients and educating them so that they can gain financial freedom. He always says that he is in the "advice-giving business" and not the "product-selling" business. This is why he runs one of the few fee-based financial planning businesses in South Africa.
Our practice is fiercely independent since he believes that you cannot implement the most efficient solution for a client if you are restricted to providing solutions from one specific product provider.
Joline Pepler
Practice manager & Administrator
Joline has been with Machrie since 2014.
She is the Practice Manager & Offshore Administrator.
She holds the following qualifications: Diploma in Veterinary Nursing and a BCom degree in Business Management as well as multiple regulatory qualifications and certificates.
Joline's passions are spending time in nature, hiking, rock climbing , traveling and loves spending time with her family, friends and her doggies.
Joline is responsible for keeping everything running and implementing all of Ruark’s ideas and innovations (There are a lot! Sometimes she has to put her foot down and slow the rate of change down).
Joline is extremely dedicated and efficient and spends a large amount of her time bossing her husband (Ruark) around (she calls it “organising” his life 😀).
Kathy Pepler
Financial Manager
Kathy has been at Machrie since it was established in 1991.
Her main role is in the financial office; dealing with various book-keeping, payments and administrative duties.
Kathy holds the following qualifications: Passenger handling (from her days working at SAA) and Damelin Administration Computer Skills certificate.
She enjoys collecting tins and pottering around with her plants.
Like everyone knows, behind every successful business founder, is a hard-working woman in the back keeping it all together.
Kathy ensures that the office runs smoothly and that we all have what we need to do our jobs efficiently.
Dorothy Rokebrand
Financial Planner
Dorothy joined Machrie in 2017, as our receptionist and has through her hard work and dedication and studies has worked her way up through the administration team to become a financial planner.
Dorothy holds a Higher Certificate in Financial planning and has multiple regulatory qualifications and certificates.
Dorothy enjoys reading, socializing with her friends, traveling, and watching movies and series.
Dorothy is the stable rock in our business, that stays calm and collected and is always there to provide a helping hand and guidance to her junior team members. She has a knack for problem solving and paying attention to details.
Haley Collins
Administrator
Haley is one of our administrators. She constantly strives for improvement.
Haley holds a regulatory qualification.
She is mature beyond her years and displays a competence rarely seen so early in the start of one's career.
Haley enjoys photography, crafting and reading.
Haley’s Motto is “either you run the day, or the day runs you.”
Mariska Roodt
Junior Administrator
Mariska is one of our junior administrators.
She always has a smile and a laugh to brighten everyone’s day.
Mariska holds a regulatory qualification and a Diploma in Hospitality and a Certificate in Pastel Partner.
She has shown an affinity towards highly detailed work, especially with regards to the administration on the offshore portfolios.
Mariska enjoys building puzzles, playing board games and golf as well as other sports.
Mariska’s motto is “Happiness can be found, even in the darkest of times, if one only remembers to turn on the light.”
Alyssa Grant
Junior Administrator
Alyssa is one of our junior administrators.
She is the “life of the office” and keeps us all laughing at her antics, while still being highly competent and dependable.
Alyssa is also our web guru in the office, and deals with our social media and online presence, she has also shown that she is an extremely fast learner and able to deliver high quality work.
Alyssa enjoys making people laugh, baking, netball and listening to music.
Alyssa’s motto is “Goal setting is the secret to a compelling future”.
Nompumelelo Nkosi
Receptionist & Junior Administrator
Nompumelelo is our receptionist and the face of Machrie.
Her professionalism and friendly demeanor are why we trust her with this important position.
We can’t wait to develop her into a rock-star administrator (like the rest of our team).
Nompumelelo enjoys spending time with her family, taking walks and binge-watching different series.
Nompumelelo’s motto is” 2 Chronicles 15:7. But as for you, be strong and do not give up, for your work will be rewarded.”
Carla Kroukamp
Junior Administrator
Carla is one of our junior administrators.
Carla shows great potential even though is one of our newest administrators, she demonstrates a keenness to learn and an eye for detail. We expect great things from Carla in the future.
Carla enjoys dancing, listening to music, gardening and socialising with her friends.
Her motto is “Be happy for what you have while working for what you want”.
Radeshni Pillay
Junior Administrator
Radeshni is one of our junior administrators.
Radeshni joined our office with 2 years industry experience having previously been with Liberty.
She is quiet but dedicated, she is extremely professional and we look forward to having her growth with us.
She is currently studying towards a BCom degree in Human resource management.
Radeshni enjoys spending time with her son and husband. She also enjoys reading, going to new places, binge-watching series, and most importantly cooking up a storm in the kitchen.
Her motto is “The future belongs to those who believe in the beauty of their dreams”.
Ilze Maasdorp
Junior Administrator
Ilze is one of our junior administrators.
Ilze comes to us with a broad and diverse background, she is hungry for knowledge and is not scared to learn, we believe that her curiosity and willingness to take on challenges will make her a fantastic administrator and Machrie.
She holds the following qualifications Advanced certificate in business management, an Advanced certificate in middle management, Higher certificate in property investments and development and a Qualification in industrial insulation.
Ilze enjoys watching rugby, powerlifting and listening to music.
Her motto is " Follow your dreams kid”
Emma Masilela
Tea-Lady
Emma has been with Machrie for more than 25 years.
Many of us in the company grew up under her watchful eye.
She is part of the family and like any family member will do anything to help you, even if it is to point out that you are not behaving well.
She is always willing to help out with any task and is quick to smile and slow to anger.
Testimonials
I’ve had the great pleasure of coaching Ruark to take his client experience and financial planning business to the next level. He’s one of a small number of a new breed of highly valuable, client-centred lifestyle financial planners, who want to help people live the best life possible with the money they have available. If you can get to work with Ruark, you’ll find yourself in great hands. He’s a top man.
Brian Foster
Ruark has been a key strategic partner for our S12J venture capital company – Nesa Investment Holdings. He has a clear and detailed working knowledge of section 12J and venture capital in South Africa and is able to convey this in a clear and concise manner to his clients. It has been a pleasure working with Ruark and we look forward to many more years working together!
Percy Ying
Ruark and Nicolene are excellent in their work and service delivery. Nicolene is quick, efficient, friendly and communicates very well. Ruark has our affairs at heart and acts to find the best ways to support us under the changing circumstances.
Mr & Mrs Myburgh
Ruark has extensive knowledge of Section 12J and advising (his) clients in relation to Section 12J investments.
