Casper Kruger

Independent Financial Adviser

Insurance can be a complicated purchase. You’re not buying bread or milk. You’re buying a promise of protection that could potentially make or break your financial well-being.

How do you know that you’re making the right choices about risk coverage? Are you sure you’re getting the best possible value for your hard earned money? The options can seem overwhelming without a trusted adviser.

Being in the financial services industry for nearly two decades, I can assist you making those decisions wisely.

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.

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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.

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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.

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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?

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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.

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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!

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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.

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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.

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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.

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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.

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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 adviser should bring you peace-of-mind and help you maintain control of your finances.

I must just say that I have been extremely happy with the way my first (and hopefully my last) claim was handled – such efficiency as I haven’t seen for a long time, right down to the panel beaters – everyone has been great – thank you all so much.

Ainsley Fourie

Thanks so much, you are super efficient and make everything so easy (as usual). Always appreciated!

Andrew Henderson

Thanks a lot for your prompt professional service, I really appreciate it and was pleasantly surprised at the ease of which this matter got resolved. I have had a similar matter with another insurer which took 7 months to resolve with a lot of headache.

Vivian Schroeder

We have over the years referred several friends to you and without fail, each and every one has thanked us for referring them to you. Personally, we also wish to thank you for your commitment for providing personal and unsurpassed customer service.

Don't let financial decisions limit their dreams.

Let's chat aboutwhat matters most.

It's about creating moments not money.

Spend your timedoing what inspires you.

“If you don’t have time for the small things, you won’t have time for the big things.”

EXPERT FINANCIAL ADVICE

Casper Kruger

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"Action is the foundational key to all success."

YOUR FINANCES

Medical Cover & Gap Cover

Retirement Planning and Provision

Investments & Tax Free Accounts

Disability & Income Protection

Life Cover

Estate Planning

Critical Illness

Retrenchment Benefit

Corporate Benefits

Business Assurance

“A goal is a dream with a deadline.”

ARE YOU SAVING ENOUGH?

WHO DO YOU CHOOSE?

CREATE WINNING STRATEGIES

TESTIMONIALS

Ainsley Fourie

Andrew Henderson

Vivian Schroeder

Santie Van Vuuren

“Love your family, work super hard, live your passion.”

CONTACT ME TODAY

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DISCLAIMER

Don't let financial decisions
limit their dreams.

Let's chat about
what matters most.

It's about creating moments
not money.

Spend your time
doing what inspires you.