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Team Category: Retirement Team

Thembeka Cele

“Sometimes it’s hard to tell if retirement is a reward for a lifetime of hard work or a punishment.” – Terri Guillement.

This quote impacts majority of the working class worldwide and it is through such uncertainty that I was captivated by the employee benefits and retirement planning industry. I am passionate about the financial wellness of individuals (employees), businesses, families, communities, and society as whole. With a decade of experience on both corporate employee benefits and member education, I have become an advocate of always delivering the highest level of service and comfort to members and clients while thriving to exceed their expectations. I strongly believe that clear and intentional communication enhances trust and better relationships during the financial/retirement planning journey.

Academically, I hold a Bachelor of Commerce (Finance & Economics) and a Postgraduate diploma in Financial Planning. My short-term goal is to obtain a Certified Financial Planner certification.

In my leisure time, I enjoy genuine connections and making great memories with family. I am a soccer fan and I find music to be therapeutic.

Lyn Terblanche

Lyn lives her life by the following ethos: Trust in your core and you will never be wrong; believe in yourself and you will conquer the world.

Born in Zambia, Lyn matriculated in Johannesburg in 1977. She completed a Commerce Certificate at ACE College in 1978, and started her career in life assurance in the Policy Servicing Department at Ned- Equity. She was subsequently ‘headhunted’ by Allianz/Momentum in 1984 and joined them as the Departmental Head in their New Business/Underwriting/Claims section. They relocated to Centurion and Lyn, electing not to do the ‘distance run’, joined Patrick Madden at Robert Enthoven in 1986. Lyn moved with Patrick when he started his own brokerage in 1993. With his merger with the Chartered group in March 2015, Lyn is now part of the Chartered family.

“I am a HUGE animal and nature lover. I do endurance riding (the Comrades of horses). I have completed the famous Fauresmith ride – most difficult endurance ride in the world, second to the Desert ride. I cycle and gym to keep fit, which assists when I train for endurance. I love reading autobiographies and spending time in the bush” says Lyn.

Greg Pullin

Greg Pullin joined Chartered Employee Benefits Family in September 2019 and has brought in his Employee Benefits client base to establish the Cape Town office.

Greg is a CERTIFIED FINANCIAL PLANNER® Professional and qualified from the University of the Free State in 1991.

He started his career in the employee benefits administration department of a large international insurance company and gained valuable experience in the administration of large pension and provident funds, as well as managing various special projects for the organisation.

This experience and exposure proved to be a good base to expand his skills into the consulting arena and he moved to an international consulting firm, where he provided his clients with professional, independent and meaningful advice on how to structure their benefits and investments.

He was later approached to do specialised consulting to some large Cape based Municipal Umbrella Funds with their unique tax regimes, which are different to private sector funds. He also managed various special projects for these funds.

The exposure to many facets of the employee benefits industry has enabled Greg to provide the clients of Chartered Employee Benefits and Boards of Trustees ethical advice and valuable insights on how to structure their benefits and investments.

Greg continually strives to provide his clients with the “ultimate” solution that allows members to retire with adequate means. He is a strong advocate of the preservation of benefits during one’s working career to achieve this.

Raschin Naidoo

Educate to liberate!

Raschin believes passionately in providing members (and employers, too) with adequate information to enable them to make informed choices about planning for a financially secure retirement. Chartered Employee Benefits places a high value on educating members about the retirement fund to which they belong. We may think it is sufficient to belong to a retirement fund, but how much do we understand about it? How much may I contribute? What investment choices do I have? What happens when I die or become disabled?

He spends a large part of his day conducting research and providing advice and guidance on legal and technical matters to members, employers, and trustees. Raschin holds a Bachelor of Arts degree in Communication. He is working towards obtaining his BCom Law degree. Raschin joined Chartered Employee Benefits in 2010.

Raschin is committed to quality, and this is evident in the work he produces; he places a high value on ethics. Raschin is passionate about spending time with his family, is an avid sports fan and enjoys a good discussion. He has run and finished the challenging and daunting Comrades Marathon on five occasions!

Siphiwe De Frend

Retirement should be a reward for a lifetime of work, so believes Siphiwe De Frend. Therefore, she is passionately driven to add value and meaning to the idea of “saving” or “investing” in the younger generation. She does this through education: knowledge is power, and she strives to see change in the mindset of the younger generation and their financial freedom. She believes in building lifelong relationships and achieving long term goals.

Siphiwe has extensive experience in the retirement industry, having fulfilled the role of administrator and consultant. Siphiwe has attained her Higher Certificate in Financial Planning, and Advanced Certificate in Financial Planning through Milpark Business School and completed her RE 5 examination through the Financial Planning Institute of Southern Africa. Siphiwe holds her Diploma in Financial Accounting and is currently studying towards her Postgraduate Diploma in Financial Planning as she aims to obtain her Certified Financial Planner® designation.

Siphiwe is an active mother who loves travelling and experiencing new adventures. “Family and friends play an important role in my life. I enjoy meeting new people who have different interests.” In her spare time, Siphiwe enjoys sport – one of her favourite activities.

Andrew Mark Craze

Using the analogy of a bicycle wheel with each spoke representing an aspect of life, Andrew demonstrates his belief in a balanced approach to life; any spoke out of kilter means the wheel does not function effectively.

Andrew is committed to ensuring that people seeking financial planning when retiring or resigning, receive honest, ethical advice which best suits their individual circumstances.

Andrew is an outgoing, sociable person who believes in building and maintaining positive relationships with clients, colleagues and business partners.

Andrew qualified as a schoolteacher and taught Maths and Science for five years. He joined Illovo Sugar as a Training Officer, was later promoted to Training manager and shortly thereafter transferred to Umzimkulu Mill, in Port Shepstone, as Human Resource manager. During this time he completed his Bachelor of Commerce Honours degree through Unisa.

In 1996, he joined Murray & Roberts as a Human Resource manager, and in 2000 relocated from Durban to Johannesburg, taking up a position as a Group Benefits manager in the company employee benefits division. As a part of his job responsibilities, Andrew worked with people nearing retirement and employees seeking financial planning assistance. He completed his Post Graduate Diploma in Financial planning in 2002, thereby becoming a CERTIFIED FINANCIAL PLANNER®. In 2005, he completed his advanced post-graduate Diploma in Financial Planning, majoring in Asset types and Investments and Principles of Portfolio planning and Management. He worked for 18 years with Murray & Roberts before joining BHP Billiton as a Senior Benefits Consultant, where he was involved in extensive project work planning for the demerger within BHP Billiton and the formation of the South32 SA Limited company.

Andrew loves most sporting activities and recently swapped running and golf for rowing and spends many weekends at Victoria Lake in Germiston. Having left the sea and many hours fishing and diving for crayfish, he has fallen in love with the bushveld. Andrew plans to travel extensively in Botswana, Namibia, and other parts of Africa.

You can contact Andrew on or via email

John Chikoki

“We must focus on what we do best, that is, educating members about their retirement benefits and keeping them abreast of developments in the broader South African retirement industry”, says John.

John passionately believes in a strong work ethic: do what you are supposed to do to the best of your ability, with a view to making the client’s experience enjoyable and pleasant. John is convinced that anything focused on will produce favourable results, indicating progress.

John is a Zimbabwean national, and has a Masters degree in Business Leadership and a BCom in Marketing Management, both qualifications from the University of South Africa. In addition, John also holds a Diploma in Insurance; Higher Certificate in Insurance (Licentiate) from the Insurance Institute of South Africa; and a Certificate in Salesmanship and Public Relations from the London Chamber of Commerce and Industry (LCCI). He is an Assessor with the Education Training and Development Practices SETA (Sector Education and Training Authority).

John is currently studying for a post-graduate Diploma in Financial Planning with the University of Free State.

John started his working career in Zimbabwe in 1989, employed by the second largest Assurance Company there, finally as Senior Manager Administration and Client Relationships. He was responsible for client retention and smooth operations of the Employee Benefits Division. John came to South Africa in 2008 and started working in the South African retirement industry in May that year. John has 26 years of experience in retirement fund administration and consulting industry.

John loves reading, especially about current affairs and educational material. John is results driven and strives for the best at all times. He loves spending time with his wife and son. He enjoys encouraging those around him to their test limits and spends time strategizing, planning and then efficiently implementing these plans.

You can contact John on or via email

Trevor Neville Taylor

Trevor Taylor is the Managing Director and founder of Chartered Employee Benefits. His two primary roles are to steer the business as well as develop and maintain client relationships. He has been with the company since 2006.

Trevor has a BCom Legal from the University of the Witwatersrand and qualified as a Certified Financial Planner® Professional from the University of the Free State in 2004.

He worked at an international benefits consulting organisation and an institutional and retail investment consulting business over a period of 12 years before joining the Chartered family.

This exposure to the many facets of the employee benefits industry has enabled Trevor to provide the clients of Chartered Employee Benefits with valuable insights on how to structure their benefits.

He has consulted to multinational organisations on how to design and implement international retirement funds and healthcare solutions. In doing so, Trevor has had the opportunity to meet his peers who operate out of international jurisdictions and provide trust, investment and insurance expertise.

Trevor is an entrepreneur who continually strives to provide his clients with the “ultimate” solution that allows members to retire with sufficient means. He was a regular participant in the Comrades Marathon and draws on the discipline and preparation for this event and applies it in his approach to his profession. He now runs shorter distances and plays tennis and golf.