Finding the heart in financial planning

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 Brokers 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.

Nolene Harmse

Junior Financial Planner

Nolene has been in the industry for 25 years and specializes in Medical Aid advice and administration and is in the process of being trained as a financial planner.

Nolene has multiple regulatory qualifications and certificates.

Nolene would not be able to live without music, she has a broad taste in music and plays the piano. She enjoys shooting at indoor and outdoor shooting ranges and also loves hiking and nature. Nolene is a movie buff and loves going to the cinema alone, she also has a love for good food and dining out.

Nolene is very passionate about everything she does and she takes every opportunity by the horns. She is also a very compassionate person and makes everyone around her feel at ease, we are happy to have her bubbly, caring personality on our team and we look forward to watching her grow in her Financial Planning role.

Corene Pinn


Corene has been in the financial service industry since September 2021.

Corene leads our administration team and is working towards qualifying as a senior administrator and holds a regulatory qualification.

She enjoys drawing, painting her furniture, tattooing (although she doesn't have any herself), nail acrylics, and almost anything creative. She also enjoys braaiing with friends and playing laser tag. She has an obsession with stationery, books, and coffee.

Corene is goal driven and believes that knowledge is one of the most important things because it is something that cannot be taken away. Her motto is "Don't strive to struggle, strive for success".

Haley Collins

Junior Administrator

Haley is one of our junior administrators. She constantly strives for improvement.

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 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.”

Emma Masilela


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.

DIY - Learn it yourself!


Contact us, today