The primary objective of a retirement fund is to accumulate sufficient savings to purchase an annuity, which replaces the employee’s salary at retirement, so a robust investment process is essential. A well-structured retirement fund provides an efficient balance between auxiliary benefits and traditional retirement benefits. Our retirement fund consulting focuses on eligibility, tax efficiency, member and employer contribution rates, and freestanding and umbrella fund structures. We cater for both normal and late retirement provisions. The benefits cohesively provide employees with a holistic package to fulfil their needs within personal financial capacity and in the context of their lifestyles.

Employee benefits include:

• Group life cover
• Disability income protection
• Capital disability
• Dread disease/trauma
• Spouse and orphan benefits
• Funeral costs

Designing a group retirement fund

• The structure suits the needs of both employer and employees, meeting the organisation’s overall objectives and being true to its values.
• The employer has certain financial resources at its disposal to defray employee benefit costs. To ensure the effective allocation of these resources, we address the real needs of employees.
• Chartered Employee Benefits assists the corporate management board to select appropriate service providers for a retirement fund: administration, investment consultant and risk benefit providers.
• Chartered Employee Benefits’ strong focus on independence ensures that each provider is appointed on merit and ability to deliver service.

The Chartered Employee Benefits’ investment consulting process focuses on:

• Setting investment objectives and developing an investment strategy
• Selecting asset managers
• Implementing, monitoring, and reporting to the corporate board of management

Chartered Employee Benefits, being truly independent, engages with a range of Healthcare benefit service providers; we can therefore devise a Healthcare strategy for the best advantage of our clients. We provide a Healthcare solution that places emphasis on reliable, practical advice and assistance.

We partner with our clients to make the healthcare delivery model less complex and more effective.

Our complete service includes:

• Analysis of existing structures and needs
• Recommendation and implementation of the most appropriate Healthcare solution
• Management reporting and regular meetings with client representatives
• Subsidy analysis
• Actuarial services

We create a solution aligned to our client company goal and include a range of products to achieve that outcome:

• Medical Aid
• Primary Care
• Gap cover
• Employee Assistance Programmes
• International Medical Solutions
• Wellness Programmes

In addition to our group servicing, Chartered Employee Benefits actively engages with your employees and provides access to individual services, such as:

• Individual needs analysis and advice on appropriate plan selection
• A central point for resolving member claims and queries
• Plan benefit optimisation

As South African and global businesses are expanding into Africa and abroad, there is an ever-increasing demand for independent healthcare, risk benefit and retirement funding advice. Chartered Employee Benefits currently numbers a selection of global companies as clients.

International Healthcare Insurance
Chartered Employee Benefits continuously assesses and evaluates competitive international healthcare insurance products in order best to advise our clients. We counsel clients on the most cost-effective and ideal health plans, based on a company’s specific needs. Recommendations are based on medical and budget requirements and geographical location.

Risk benefits and Retirement funding
Chartered Employee Benefits guides corporate businesses on how to design and implement offshore pension fund and group risk benefit arrangements appropriate for expatriate staff. This process involves investigating different providers and products and securing as favourable underwriting terms and costs as possible.

Financial Planning
Chartered Wealth Solutions is one of the largest independent and privately owned Financial Planning practices in South Africa. Being owner-managed and independent means that financial planning advice is unbiased, with the focus always on clients’ long-term interests and how they can be supported. All Chartered’s Planning Specialists are CERTIFIED FINANCIAL PLANNER^® professionals; because their income is not commission based, these Planning Specialists truly focus on their client’s objectives and create a unique and personalised plan. Chartered Wealth Solutions believes that only experienced, well-trained, and properly certified professionals can create the kind of service and results that enable their clients to retire successfully.
Click here to visit the Chartered Wealth Solutions website.

Wills, Trusts and Estate Planning
The Chartered Legacy & Trust Specialists offer a comprehensive Estate Planning service: drafting, regularly reviewing and safely storing your Will is an essential way to ensure your wishes are fulfilled when you have passed on; legal assistance is required when your Executor winds up your Estate; the correct drafting and registration of Trust Deeds provide for financial and tax benefits; if you are a business owner, a succession plan is a vital part of your Estate Planning; the Specialists facilitate any family discussions as needed.
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Tax services
The Chartered Tax team’s goal is to make sure that you are tax compliant and have an efficient Tax Plan. The Chartered Tax team will not only submit tax returns, but also build tax liability into your Financial Plan. They can work with your Estate Planner to ensure your Trust and governance files are compliant.
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