Financial Planningnbmedia2026-06-09T09:56:49+02:00

Riocht Financial Planning

Financial planning is not about isolated products — it’s about building a structured, coordinated strategy over time.

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Real Value Lies in Integration

A More Connected Way to Build and Protect Wealth

Our financial services are designed to support both individuals and business owners at every stage of their financial journey — from protecting income and assets to building and managing long-term wealth.

We ensure your financial planning works alongside your tax, accounting, and business structures, creating a strategy that is both efficient and sustainable.

Whether you are growing a business, building personal wealth, or planning for the future, we help bring everything together into a clear, structured plan.

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Our Financial Planning Services

Select a service to find out more about how we can assist you

We provide a full range of financial services to ensure your income is protected, your assets are growing, and your long-term goals are achievable.

Each recommendation is tailored to your needs, with a focus on balance between cost, flexibility, and long-term value.

Investments

INVESTMENTS

We help you build and manage investment portfolios aligned with your goals, time horizon, and risk profile.

Retirement

RETIREMENT PLANNING

Retirement planning is about more than saving — it’s about ensuring long-term financial independence.

Contingency

CONTINGENCY PLANNING

Unexpected events can have a significant impact on your financial position.

Life Cover

LIFE COVER

Life cover provides financial security for your dependants and debt obligations in the event of death.

Income Protection

INCOME PROTECTION

Your ability to earn an income is one of your most valuable assets.

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DISABILITY COVER

Disability can have both immediate and long-term financial implications.

Elderly

CRITICAL ILLNESS COVER

A life changing event often come with significant financial strain.

Short Term Insurance

SHORT-TERM INSURANCE

We help protect your personal and business assets against everyday risks.

Medical Aid

MEDICAL AID

Selecting the correct medical aid is essential for both cost management and quality healthcare access.

Gap Cover

GAP COVER

Medical aid shortfalls can create unexpected costs.

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WILLS & ESTATE PLANNING

Proper estate planning ensures that your assets are distributed according to your wishes and that your estate is structured efficiently.

Home Loans

Home Loans

We assist clients in structuring and securing home financing solutions that align with their broader financial position.

Rewards Program

REWARDS PROGRAM OPTIMISATION

We help clients maximise the value of their lifestyle and financial products through proper utilisation of the benefits.

Wealth is not built through isolated decisions,
but through a structure that works together over time.

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Send a message to inquire about our products and services!

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+27 (0)21 300 6326

Contact Us

Ask us any questions you have …

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Investments

We help you build and manage investment portfolios aligned with your goals, time horizon, and risk profile.

Using calculated planning tools, we guide you in understanding how your investments should perform over time — ensuring you have clarity on your portfolio, your expected outcomes, and the role your investments play within your broader financial plan.

This includes both local and offshore opportunities, structured in a tax-efficient manner and reviewed regularly to ensure continued alignment with your goals.

Local and offshore investments
Tax-efficient investment structures
Retirement planning
Ongoing portfolio reviews

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Retirement Planning

Retirement planning is about more than saving — it’s about ensuring long-term financial independence. We assist in structuring retirement solutions that are tax-efficient and aligned with your overall financial strategy, helping you maintain your lifestyle beyond your working years.

Retirement annuities
Pension and provident fund optimisation
Retirement income strategies

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Contingency Planning

Unexpected events can have a significant impact on your financial position.We help you plan for these risks by putting the right structures in place to protect your income, your family, and your long-term wealth — ensuring stability even in uncertain circumstances.

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Life Cover

Life cover provides financial security for your dependants and debt obligations in the event of death. We ensure the correct level of cover is in place, structured in a way that aligns with your estate and overall financial planning.

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Income Protection

Your ability to earn an income is one of your most valuable assets.

We structure income protection solutions that provide ongoing financial support if you are unable to work, balancing affordability with comprehensive cover.

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Disability Cover

Disability can have both immediate and long-term financial implications.

We assist in structuring cover that provides financial support in the event of permanent disability, ensuring your financial position remains protected.

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Critical Illness Cover

A life changing event often come with significant financial strain.

We provide cover solutions that offer financial support in the event of major health events, allowing you to focus on recovery without additional financial pressure.

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Short-Term Insurance

We help protect your personal and business assets against everyday risks.

This includes:

Car insurance
Household and contents insurance
All-risk cover
Business insurance

All structured to ensure appropriate cover at a competitive cost.

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Medical Aid

Selecting the correct medical aid is essential for both cost management and quality healthcare access.

We guide you in choosing and structuring the right plan based on your needs, ensuring you are adequately covered without unnecessary expense.

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Gap Cover

Medical aid shortfalls can create unexpected costs.

Gap cover provides additional protection, ensuring that out-of-pocket expenses are minimised when you need care.

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Wills & Estate Planning

Proper estate planning ensures that your assets are distributed according to your wishes and that your estate is structured efficiently. We assist with drafting wills and aligning your estate with your overall financial and tax strategy.

Drafting and updating wills
Estate structuring
Beneficiary planning

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Home Loans

We assist clients in structuring and securing home financing solutions that align with their broader financial position. This includes guidance on affordability, structuring, and long-term repayment strategies.

Home loan structuring
Access to competitive lending solutions
Advice on repayment strategies

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Rewards Program Optimisation

We help clients maximise the value of their lifestyle and financial products through proper utilisation of the benefits.

This ensures that you benefit from the full value available to you.