Helping our clients change their relationship with their finances
We offer you a unique approach to holistic planning and incorporate all aspects to empower you on the life-long journey to create, preserve and protect your wealth.
Financial coaching is part of our professional service offering and helps you establish clarity, insight and discipline to the financial choices that you need to make every day. Long term relationships are foundational to our business model and this enables us to assist our clients with long term plans and goals.
Inventum Financial Planners CC & Chartered Accountants are a leading, well-established, professional financial planning firm in the Northern Cape, with clients across the entire country. We serve clients of a wide variety of occupations, delivering unique and tailored advice for each of their situations.
Our team of advisors are specialists with the highest qualifications in their field of expertise.
We are independent financial planners serving our clients with a wide range of products from different insurers and investment houses.
WHAT WE DO
We offer advice in the following areas of financial portfolio management
Estate planning is not only for the mega-rich. If you have assets, investment policies, risk cover and more than one potential beneficiary, then we 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!
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.
When it comes to investing, it’s important to have a diverse portfolio. Our 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.
When you have poured your heart and soul into your business, you want to know that it will become part of your legacy and continue to provide for your family and community when you are ready to hand over the reigns. Understanding the best-practice processes around this succession will help you make the best decisions about the future of your business.
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.
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.
Group Corporate Insurance
Our team is trained and ready to advise and you on disability insurance and benefits for group life insurance products from the top service providers of group risk products. Ensure that your staff are provided for and feel secure working for you.
Group Life, Pensions and Provident Funds remain an essential part of a well run business. We 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.
Even with the best laid plans in place the rolling out, implementation and management of that plan is an equally important link in the chain that many small businesses stumble over. With a team of qualified people in place, we are positioned to help you make this potential weakness a foundational strength!
Having the correctly populated financial statements can hold the ultimate sway over potential investor confidence in your business, and can help highlight areas for growth and areas that need more support in your business. These 'boring numbers' create a realistic picture of the state and potential of your business. Make sure they're done right!
Business plans and projected cash flow statements
People have always benefited from understanding the role that geography plays in agriculture and the economy. If you build a farm near a river, you will have an easy water supply; if your river runs dry, you need to make a plan fast! This is similar to monitoring your cash flow, and building and adjusting your business plan accordingly. Our team is available to help you do this!
In the same way that building a long-standing house requires a solid foundation, your financial plan needs a firm foundation. To do this we we determine your risks, goals and objectives.
With your wealth foundation in place we begin with reducing the cost of risk by expertly selecting options of insurance products, establishing wills and estate planning, tax optimisation and other strategies that we believe will assist your long term goals.
Minimizing your financial exposure to the risks of unforeseen life events allows us to build further by planning your savings goals for wealth accumulation.
As your wealth accumulates our strategy matures and needs to be strategically managed to optimize the growth in your wealth. If you imagine your portfolio to be similar to a dam, it's at this point that your dam is filling nicely and we can look at creating other dams and feeding the water to new location, further enhancing your accumulation and risk cover.
As you move into your golden years, we believe that they should be well provided for to indeed be... your golden years! Your financial planning then changes with your new lifestyle and the strategies that we employ are in line with this next phase of your life.
with our clients
Our goal is to build and sustain long-term relationships with our clients - the best partnerships are forged in friendship and trust and are fortified with ongoing, value-adding communication. Our team is committed to staying in touch with you at least once a month (via email) and meeting with you at least once a year (more frequently if your needs dictate). Quarterly reports are sent out to our investment clients and medical aids are reviewed annually.
In choosing Inventum Financial we will ensure that your assets are well looked after; you can call on our team at any time if you have questions or need advice!
MEET OUR TEAM
We are qualified to independently assist you with
financial planning, accounting and tax efficiency.
Financial Services Providers Department
Estate Planning and Consulting; Estate Administration; Drafting of Wills; Investment Planning; Consulting on Business Structures; Group benefits for companies and businesses.
Kobus Niemann, an Independent Financial Advisor with over 25 years’ experience in the industry is the CEO of the company, he provided a lot of knowledge to his employees and clients over the years. He specialises in estate and investment planning, help clients with business structures, trusts and wills. Kobus is responsible for solving daily obstacles and is the key individual of the company.
Rampie Niemann, also an Independent Financial Advisor with the Inventum Family. He graduated with a B.Com degree majoring in Economics and has obtained a Post Graduate Diploma in Financial Planning Law at the University of the Free State. He is currently studying towards his Advance Post Graduate Diploma in Financial Planning Law. He specialises in estate and investment planning and Group benefits for companies and businesses. Rampie is responsible for Branding and Marketing.
Accounting and Tax Department
General Accounting (Financial and Cost); Financial Statements; Management Statements; Managerial decision making Reports; Independent Reviews; Tax planning, consulting and compliance services; VAT consulting and compliance services; Secretarial services; Payroll services; Business Plans; Projected Cash Flow Statements; Estate Planning; Estate Administration; Drafting of Wills; Business Structures; Implementation of Systems and Internal Controls; Registration of Companies and Trusts;
Visser is a qualified Chartered Accountant. He completed his B.Com Chartered Accountancy at North West University and his Honours Degree (CTA) at the University of the Free State. He specialises in tax and business systems, for businesses including agriculture, manufacturing, retail industry sectors, as well as professional practices. Responsibilities includes Innovation and system implementation for Inventum.
Mariëtte du Preez is a registered Professional Accountant, with over 34 years’ experience in Financial Accounting, Cost Accounting and Management, Tax, VAT, Estate Planning, Estate Administration, Trusts, Business Structures, as well as the Implementation of Systems and Internal Control. She has completed her B.Compt degree at the Free State University and obtained her B.Compt Hons. (CTA) from Unisa. She has completed her articles at KPMG, joined the Managerial Team of Gencor Mining in the Free State Goldfields and gained experience at Anglo American Corporation. During 1995 Mariëtte returned to practice and has been in practice since then, of which 9 years were with one of the “Big Four” firms, in a senior position. Mariëtte has experience in the following industry sectors, but not limited to: Farming, Agricultural Co-operations, Mining, Retail, Manufacturing, Insurance, Crop Insurance, Professional Practices, Entertainment, Hospitality, Construction, Family Businesses and the Wine industry.
WHAT THEY SAY...
What are our clients are saying about us?
Good day Henko. Thank you for looking out for our company's best interest now and in the past. I am so comfortable with you being only a telephone call away with ethical, prompt info and showing patience together with your friendly manner in helping us whenever needed. I have total peace of mind knowing that you, now(with Inventum) , just as in the past, keep our business finances healthy, timeous and secure. We wish you and your business a blessed journey for the future.
Inventum Financial planners het met vriendelikheid en kundigheid my genader rakende finansiele advies. Ek het werklik baat gevind vanaf dag een. Die kwaartaallikse verslae en jaarlikse besoeke is verseker waar hul die voortoue vat. In nood omstandighede was daar altyd terugvoering van die span en kon ek gerus wees dat my navrae spoedig hanteer word. Ek sien uit hoe die professionele verhouding my besluitneming vandag en in die toekoms voordelig kan beinvloed. Dankie vir die pad wat ons al gestap het.
Frans de Wet
WE ARE YOUR FINANCIAL RISK,
WEALTH AND HEALTH PLANNING PARTNERS.
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Tel: 053 244 0986 | 081 725 7343