Actuarially-Led, Independent
Financial Advice
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Comprehensive Wealth & Risk Management
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A Team Behind
Your Financial Success
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Individuals

Protect your family’s wealth and secure your financial future.

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SMEs

Financial planning and protection for owner-run and growing businesses.

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Institutional

Actuarial consulting and investment solutions for institutions.

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Corporates

Employee benefits, group risk and consulting for larger organisations.

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THE RNC DIFFERENCE

Why Actuarial Expertise Changes Everything

Actuaries are the scientists of finance, trained to quantify risk and model complex financial outcomes with mathematical precision. For over 10 years, RNC Personal Actuarial Advisors has applied that science to deliver measurable, reliable results for our clients.

STEP 1

Quantify Risk

Measure and understand your financial risks

STEP 2

Optimise Benefits

Maximise your benefits and optimise your tax efficiency

STEP 3

Project Future

Model your financial outcomes against multiple scenarios

STEP 4

Protect Wealth

Independent advice with full transparency of fees

Actuarial Insight You Can Trust

We deliver actuarially-driven financial advice that brings clarity and confidence to every decision.

Our tailored strategies help clients manage risk, optimise benefits, and secure long-term financial stability.

Through independent insight and data-backed analysis, we provide transparent guidance that empowers you to build and protect your financial future.

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OUR SOLUTIONS

Comprehensive Financial Solutions

Long-term Insurance
& Risk Benefits

Protect what matters most with optimised life, disability, and income protection cover.

Services: Life insurance | Funeral cover | Disability cover | Critical & severe illness cover

Short-term Insurance & Asset Protection

Comprehensive coverage for your home, vehicles, and personal assets.

Services: Home & contents insurance | Motor vehicle insurance | Personal liability cover | All-risk & portable possessions

Business ​Insurance

Comprehensive insurance protection for your business assets, operations, and continuity.

Services: Buy-and-sell insurance | Keyman insurance | Contingent liability | Short-term commercial insurance

Critical Illness, Disability & Income
Protection

Keep you and your family financially stable through life’s hardest moments.

Services: Disability needs analysis | Income protection | Critical & severe illness cover

Wealth
& Investment Management

Build and protect your wealth through actuarially-optimised portfolio strategies.

Services: Investment risk modelling | Family wealth strategies | Asset allocation optimisation | Portfolio management

Retirement
Planning

Strategies that help you retire comfortably.

Services: Retirement readiness analysis | Pension fund optimisation | Retirement income & longevity risk management | Sensitivity analysis & scenario modelling

Financial
Planning

Comprehensive financial planning that integrates all aspects of your financial life.

Services: Holistic financial needs analysis | Comprehensive financial plan development | Goal-based planning & prioritisation | Child education funding

Tax Planning
& Optimisation

Comprehensive tax optimisation for South Africans.

Services: Retirement contribution optimisation | Tax-efficient investment structures | Capital gains tax planning | Estate duty efficiencies

Offshore
Investment
Planning

Diversify beyond South African borders with strategic and cost-efficient offshore investment planning.

Services: Offshore investment strategy | Currency risk management | Tax-efficient offshore structures | Global asset allocation

Pension &
Provident Fund
Advisory

Actuarial and investment consulting services for pension funds and retirement funds.

Services: Fund benefit design & optimisation | Investment consulting

Institutional
Asset
Consulting

Strategic investment consulting for institutional clients.

Services: Asset-liability modelling | Strategic asset allocation | Portfolio risk analysis | Asset manager & portfolio review

Estate
Planning

Preserve your legacy by minimising estate duty fees and taxes.

Services: Estate duty minimisation | Legacy protection strategies

Independent
Fiduciary
Advice

Professional fiduciary and executor services backed by actuarial expertise.

Services: Will drafting & management | Trust structures & administration | Estate executor services

Employee Benefits
Consulting

Designing, implementing, and optimising employee benefit structures for your workforce.

Services: Benefit scheme design | Retirement fund consulting | Group risk benefit analysis | Employee life & disability schemes

Member Communication
& Education

Helping employees understand the value of employee benefits.

Services: Communication materials | Workshops & webinars | Member education sessions (on-site or virtual)

Group Risk Benefits
Design

Designing group life and disability cover that attracts talent while managing costs.

Services: Group life & disability | Gap cover | Cost-benefit analysis

OUR TEAM

Meet the Team Behind Your Financial Future

Behind every solution we deliver is a team of qualified actuaries, financial analysts & planners, and insurance specialists who care deeply about your financial success. No call centres. No jargon – just real people committed to building lasting financial stability through solutions tailored to your specific needs.

CLIENT EXPERIENCE

Why Our Clients Refer Us

We’ve built RNC on trust and lasting relationships, which is why most of our clients come to us by referral – the kind of endorsement you only earn by genuinely looking after people.

Start Planning Your Financial Future With Us Today.