Financial Planning
You’ve got a retirement annuity with one provider, life cover with another, a tax-free savings account and a pension from a previous employer you keep meaning to look into. Maybe you own a business, employ staff, or have a trust.
Individually, each of these play a role. Together, however, they may not be maximising their full potential.
This is where financial planning fits in. Not another product, just a strategy that brings together every aspect of your financial life into a single, coordinated framework. A framework that is tax-efficient, stress-tested, and designed to adapt as your life, goals and circumstances evolve.
Tax-efficient, Stress-tested, & Designed to Adapt as Your Life Evolves.
How Financial Planning Works For You
At RNC Personal Actuarial Advisors, we review your complete financial portfolio to understand what you have, identify what’s missing, and uncover opportunities you may not even know exist. We then provide clear, evidence-based answers to the questions that matter most to your financial future.
Am I saving enough, and using the right products?
We model whether your current savings are on track to provide your required income when you retire. We take into account inflation, tax, and how long your retirement income needs to last. We’ll show you If there’s a shortfall between what you need and you’re projected to have, and what changes can help you get on track.
What happens to my family if something happens to me?
We calculate your life and disability cover need – the difference between what your dependants would need and what your current policies would pay. Not a rough estimate but a number backed by an actuarial needs analysis covering debt, education, income replacement, and estate duty.
Am I paying more tax than I need to?
We review your full position across income tax, capital gains, estate duty, donations tax, and retirement contributions to find legitimate savings. Small structural changes like investment type, where you draw your income from, and how contributions are allocated, all compound into real tax savings.
Will my money last in retirement?
A plan doesn’t stop when you retire. We model sustainable withdrawal rates against your lifestyle, recommend suitable annuity products, and structure your drawdown for tax efficiency.
Is my estate structured to protect my family?
We examine your Will, beneficiary nominations, trust structures, and liquidity requirement at death to ensure your family is financially secure, your wishes are carried out as intended, and your estate can be administered as efficiently as possible.
The Value Beyond the Plan
A plan gives you structure and direction. The value is having a qualified advisor navigating your financial journey with you.
Behavioural Discipline
People who work with an advisor are more likely to hold a long-term strategy, avoid panic-driven decisions, and resist the impulses that quietly erode wealth. We’re the counterweight to short-term thinking.
Cost Reduction & Transparency
We audit and negotiate the fees you’re paying across providers, fund managers, and insurers. Most clients don’t realise how much they lose to unnecessary layers of cost.
One Point of Contact
Instead of several providers who never speak to each other, you deal with us. We coordinate your investments, insurance, tax, and estate, and take responsibility for keeping it all aligned.
Who We Work With
Individuals & Families. Whether you’re a young professional building from scratch, a dual-income family balancing school fees with retirement, or a pensioner facing drawdown decisions – your customised plan is built around your stage of life. Common triggers: a new career, marriage, buying property, children, an inheritance, divorce, or retirement.
Business Owners & SMEs. Your plan has to account for the interplay between personal and business finances like keyman risk, buy-and-sell structuring, succession, and employee benefits. We work alongside your accountant to model exit strategies and the balance between reinvesting and building wealth outside the business.
Institutions & Corporates. We perform asset liability modelling, review investment strategies, conduct risk analyses and design benefit structures.
Let’s Connect the Pieces.
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