I’m an independent Financial Planner with more than 37 years of experience. After working at Liberty Life from 1983-1991, I co-founded the independent firm HTW Financial Services. In 2003, I joined Roxburgh Trust as a director and shareholder. Coupled with my financial planning duties, I’m also Financial Director. I apply the holistic concept of Lifetime Financial Planning – a process that uses the client’s financial needs, objectives and desires in all areas of life – to provide advice; and have extensive experience in areas like Lifetime Financial Planning, Personal Financial Planning, Retirement Planning, Investment Planning and Risk Planning.

I use the acclaimed Xplan analysis software and other planning tools to provide comprehensive reports. I hold a Diploma in Financial Planning from Liberty Life, am a Certified Financial Planner® professional, and am a member of the Financial Planning Institute of Southern Africa (FPI). In 2011, I graduated from the Wits Business School Certificate Programme in Leadership Development. I’ve managed many of my retired clients’ savings for more than 25 years; and work with my clients who are not retired to plan for their retirement, family security and other specific goals – assisting them with appropriate investment and assurance portfolios.