Category Archives: Vlog

Risk Insurance Series: Risk Insurance

Risk Insurance covers very specific financial products that are aimed at providing an income or payout when certain life circumstances prevent us from earning our normal income or destroy our wealth. In this video, Ruark shares an overview to the following: Disability/Functional Impairment Insurance Critical Illness Insurance Life Insurance Income for dependents Debt considerations and…
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Risk Insurance Series: Life Insurance

Life Insurance is possibly one of the most common forms of insurance specifically in the form of funeral cover - everyone seems to believe that they need funeral cover. We don't think this is necessarily the best approach. Ruark shares some tips and thoughts to work through before taking Life Insurance, or when reviewing your…
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Tax Smart Series: 2. Section 12J VCC Investment

Basically, a Section 12J VCC Investment buys shares in a specific type of company. There are several reasons why you might choose this type of investment vehicle, but primarily it assists in optimising tax for companies and trusts. For a quick overview, please watch the video below or if you need financial advice on your investments,…
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Wills Series 2: Provisions for Minors

Why do you need a will? Ironically, this is often the last item that most people tick off in their financial plan - and we think it should be the first! When it comes to minors or children in your will, here are two key things to consider: Guardian nomination Trustee nomination We hope this…
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Tax Smart Series: 1. Retirement Annuities

Our hope with these videos is to highlight investments that are tax favourable and can help you grow your wealth faster. The first of these is the Retirement Annuity (RA), which is essentially a personal pension fund. Ruark works through some of the key benefits of owning an RA in this clip - we hope this…
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Wills Series 1: The Basics

Why do you need a will? Ironically, this is often the last item that most people tick off in their financial plan - and we think it should be the first! Not having a will in place creates a lot of stress for the loved ones you leave behind - regardless of how old you…
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Investment Types: Retirement Annuities

Retirement Annuities are possibly one of the most popular products in a financial plan. As long term investment products, they're the first thing that most brokers or financial salesmen try to sell. They have many benefits, but need to be accurately managed in order to understand and enjoy these benefits. We hope this video clip…
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Investment Types: Types of Investments

This clip is designed to give a quick and brief overview of the different types of investments. We have noticed that often clients are confused around which types to use and which will be the most beneficial inside of their personal portfolios. Ruark unpacks some of these here Discretionary Investments Endowments Retirement Annuities Tax Free…
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