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Don't let financial decisions
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"Your time is limited, so don’t waste it living someone else’s life."
Steve Jobs
ABOUT ME
Expert Financial Advice
Amanda Oosthuizen
CFPR Certification
LATEST BLOGS
Updated every week to keep you informed
Social and environmental pressures
Where we’ve been…
Behavioural biases and heuristics
Your brain and your money
Mindset, stress, and emotions
Personal values and goals
The value in procrastination
The law of diminishing returns
Money, Ego, and the Illusion of Security
Choosing a trusted partnership
“Every risk is worth taking as long as it’s for a good cause, and contributes to a good life.”
Richard Branson
YOUR FINANCES
Helping you choose the right products to create a portfolio that will fit the life you want to plan
Medical Cover & Gap Cover
We are able to advise on a wide and diverse range of Medical Cover and Gap Cover products that will suit almost any budget. These products range from cover for basic hospital stays through to full, comprehensive medical aids that cover consultations with doctors, medication, glasses and other medical expenses.
Retirement Planning and Provision
The sooner you begin to plan and save for your retirement, the sooner you can retire! The product most bought for this type of financial planning and provision is known as a Retirement Annuity (RA). Most companies have RA’s worked into their remuneration packages, but many don’t.
Investments & Tax Free Accounts
When it comes to investing, it’s important to have a diverse portfolio. My expert knowledge and extensive investment options allow you to truly choose the very best products available to you. From low-risk, long-term investing to high-risk, short-term strategies we can mix it up or keep it conservative: investments completely tailored to who you are and where you want to go.
Disability & Income Protection
Most households in today’s economy rely on more than one income to keep the household expenses under check, very few are able to survive on one income alone. If you were injured or disabled in some way and could no longer work, would your family be able to cope without your income?
Life Cover
You pay tax every month to the state, but what are you paying to provide for those that you love and care about after you have gone? Life cover should not be seen as a grudge purchase but rather as an investment into the future of your spouse and children. You work hard to provide for them now, that shouldn’t have to change in the future.
Estate Planning
Estate planning is not only for the mega-rich. If you have assets, investment policies, risk cover and more than one potential beneficiary, then I can assist you with the planning of your estate and how it will be allocated when you pass away. An estate that is left open can cause a difficult time to be even harder for those who are left behind. Often there is more work needed on a R3m estate than on one that is worth R20m!
Critical Illness
These products are also known as Dread Disease Cover. Advances in medical care mean that more people can now survive illnesses once thought to be fatal. However, although many individuals lead relatively normal lives, they no longer enjoy the same mobility or good health. The best medical treatment can cost you and your diminished ability to work could force you to make severe lifestyle changes.
Retrenchment Benefit
Have you thought about what you and your family will do if you are retrenched? If it hasn’t happened to you, you probably know someone who’s been retrenched. In these tough economic times, it’s one of the most understandable fears. You want to be protected if you’re faced with retrenchment or liquidation.
Corporate Benefits
Group Life, Pensions and Provident Funds remain an essential part of a well run business. I will tailor your company’s pension and provident funds for you, using the most appropriate corporate providers to tender for the risk benefits and the retirement benefits separately – ensuring cost effective and customer specific corporate benefits.
Business Assurance
Will your business survive if you are disabled, die or become impaired or what would the consequences be if this happened to one of your partners? Together we can design flexible and comprehensive solutions to meet your business assurance needs, utilising Key-Man policies and Buy-and-Sell agreements where appropriate.
"Most people don't plan to fail, they fail to plan."
John L Beckley
ARE YOU SAVING ENOUGH?
How healthy is your financial plan when it comes to saving and provisioning funds for the future? Digital technology and our diverse economic systems and policies have increased our options both for investment and for risk protection. This is an arena that is constantly changing, growing rapidly and needs to be monitored regularly – which is one reason for having your own financial planner!
WHO DO YOU CHOOSE?
If you have never worked with a financial advisor before, you may find yourself overwhelmed by the choice, confused by the jargon and frustrated at the cost! But in the same way you wouldn't service your own car, it's good to have someone you trust to advise and guide you to make healthy decisions about your wealth.
CREATE WINNING STRATEGIES
Aside from being an expert in the money game and having a keen sense of the conditions and lay of the financial landscape, winning strategies are born inside of a relationship of trust, mutual understanding and a commitment to strive for the same goals. Your financial advisor should bring you peace-of-mind and help you maintain control of your finances.
TESTIMONIALS
Hear it from my clients
Being a husband, wife and parent, one of the biggest concerns will always be that of the family’s financial well-being when a parent passes away, becomes permanently ill or disabled. For over 15 years, Amanda and her team have professionally addressed these concerns of our family by assisting us with financial planning which suits all of our requirements, such as life cover, illness and disability cover, income protection, as well as eduction protection for our children. Through the years, Amanda has truly become part of our family and she is always just a phone call away in order to assist us. As parents, we really do feel completely at ease, that through Amanda, our family is financially covered for any eventuality
The Swan Family
There are few things worse than having a heart attack on your birthday, trust me I know. You always think you will be prepared when a crisis hits you, but in the moment, all rational thoughts evade you and all you think of are loved ones and being able to see them again, do things with them you still have not done. You go into a mode of "I need to survive this", you think of nothing else.
When later on you get the all clear from the doctors and you realise you survived, you are so happy and you enjoy life to its fullest, put the whole saga behind you, and almost try to forget about it happening. Then you have a chat with your broker Amanda (who has become a friend, not just a broker), and she starts the process of claiming from your life cover policy. She turns into your "rational thoughts" knowing what to do and how to get it done. She took care of everything, stayed in constant contact throughout the whole process and kept her finger on the pulse so to speak.
My life cover paid out and it was all thanks to my friend and broker Amanda from Prophinvest. Amanda and her team guided me through the process, step by step. With Amanda's help, I was also able to invest my money safely and securely to ensure the financial security of my family. Thanks Amanda and your truly great team. You have a client for life!
Dries Coetzee
There is nothing that stops you in your tracks then getting a call at work whilst you busy running around, attending meetings and trying to beat deadlines so you can get home and celebrate your husbands birthday and the voice on the end of the line says “I’ve had a heart attack and am being transferred to ICU at Olivedale in an ambulance” the panic that goes through you mind. I cannot even explain in words.
How serious is it? Is he going to make it? Will I get to the hospital on time? How do I tell his mother? All you want is for our precious husband to make it.
The last thing you care about is money but when, in a casual conversation with your broker, Amanda from Prophinvest enquires how the family is doing and you mention your husband had a heart attack on his birthday.
Amanda the broker took over. She made the calls, filled in the forms and applied the necessary pressure where it was needs. Amanda even got the insurer put pressure on the cardiologist to get the paper work in order. Amanda kept us informed all the way. We almost gave up due to the red tape that we had to go through but Amanda kept us positive and kept pushing. When we got the call about the settlement amount we were totally flabbergasted and it is all due to Amanda, her team and her determination to assist her clients in anyway possible. She knew her products and knew what, when and how much we were covered for.
Thanks to her knowledge and advise we were able to take out the correct cover with the correct limits with the correct insurer so that when crisis hit we had absolutely no doubt that we would be okay.
Lianne Coetzee
After 38 years I retired as a Senior Manager of one of the major banks in August 2006. My daughter at the time of my retirement was a financial adviser with Stanlib and Liberty Life, and through my daughter I invested my pension and other funds with Stanlib and Liberty. When my daughter left South Africa for England in 2008 I was introduced to Ms Oosthuizen by Stanlib.
Amanda has been my financial adviser since 2008 (11 years) and her professionalism is beyond reproach. Amanda’s product knowledge and understanding of the financial needs of a retired person is to be commended. Her knowledge and experience of the financial markets extends beyond long term and short term insurance products.
Notwithstanding that we meet annually to discuss my financial portfolio, I know that Amanda will consult with me personally at any time should I require advice outside of our annual consultation.
It is due to this business relationship that I have continued to support Stanlib and Liberty.
It is difficult to find a financial adviser that that offers this business continuity. When my wife retired she received appalling service from her financial adviser. She has since moved her financial portfolio to Amanda.
Douglas Tuck
I have been a long standing client with Amanda Oosthuizen. The service, advice and professionalism I have received year on year has been exceptional. I have never experience such professionalism but with such care as Amanda and staff at Prophinvest. I will never change.
Thank you Amanda
Bina Ferreira
"Innovation distinguishes between a leader and a follower."
Steve Jobs
CONTACT ME TODAY
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