Investment Solutions:
Our extensive suite of investment solutions caters to satisfy the needs of a broad spectrum of individual and institutional investors. Irrespective of whether you are an inexperienced first-time investor with a very limited investment vocabulary or a seasoned market participant looking to exploit market inefficiencies – we offer a full spectrum of product solutions, which can be employed individually or in a complimentary arrangement, to best serve the desired outcome.
Through our fully independent investment protocol, we are able to implement strategies via various Linked Investments Services Providers (LISPs) into two broad investment categories:
Discretionary (Voluntary) Investment Products
Compulsory (Structured) Investment Products
Portfolio Analyses and Reviews
It should also be noted that investment portfolios require ongoing management through regular reviews and a process of ongoing reporting and feedback to investors, especially given the challenging and unique circumstances in respect of our local economy, political developments, the exchange rate as well as the macro-economic backdrop.
At Constans Financial Services we pride ourselves in our investment portfolio review capabilities and more often than not significant improvements can be brought about through simple adjustments to one or more of the following areas:
We offer a full suite of estate planning services to assist clients in ensuring that their legacy is effected in accordance with their wishes. This includes the drafting of a will and testament to ensure that assets are managed and distributed smoothly and efficiently as well as acting as the executor in administering deceased estates.
Long-term insurance is insurance that covers individual policyholders and their loved ones against unforeseen and undesired life-changing events such as death, temporary or permanent disability and severe illness diagnosis. An insurance company gives an undertaking to the policyholder (or the beneficiaries of the policyholder) to provide the desired level of benefits should the insured event take place in return for premiums that the policyholder pays to the insurer. These benefits can be structured to be capital or income in nature, or a combination of both over a pre-determined period.
As an independent financial planning company Constans Financial Services offers invaluable advice on new policies and consults in respect of policy management on an ongoing basis.
Generally speaking, long-term insurance benefits can be categorised according to the following four risk-solutions:
At Constans Financial Services, we are passionate about helping our clients protect and grow their businesses, as we have been around the block a few times ourselves. Unfortunately many business owners are exposed to grave risk, knowingly or unknowingly, and one single unplanned setback could compromise working capital resulting in a financially vulnerable going concern unable to meet its operational requirements.
Business insurance planning typically pivots around the following aspects:
Medical Aid
Health insurance is insurance that covers the whole or part of the risk of a person incurring medical expenses. By estimating the overall risk of health care and the corresponding health care system expenses, among a targeted group, an insurer can develop a routine finance structure through monthly contributions, to ensure that money is available to pay for the health care benefits specified in the insurance agreement.
We partner with a selection of premium medical aid providers to give you access to a range of hospital plans and more comprehensive medical aid options.
Supplementary Gap and Co-Payment Cover
In certain cases the cost for in-hospital procedures or outpatient treatment may exceed the base medical aid rate. By taking out Supplementary Gap Insurance, you ensure that you and your family aren’t left with a large excess amount to settle.
Constans holds marketing agreements with various well-established medical co-payment insurers so as to be able to provide the most comprehensive supplementary solutions to our health insurance clients.
There's nothing more important than our good health - that's our principal capital asset.
Career stress, relationship woes, family trauma, losing your sense of purpose, destructive patterns, or any other issue that life presents will affect your physical health. And your physical health affects your mental health and how you cope with issues. With these everyday health issues in mind, we have seen the likes of a few trend setting insurance companies launching wellness programs which promotes and rewards healthy living through various financial initiatives.
We advise on a number of wellness programs and can assist you in better quantifying the different value propositions in the market to enable you to implement the most appropriate option
Once you have great employees on board, how do you keep them from jumping ship? One way is by offering a good benefits package.
Many small-business owners mistakenly believe they cannot afford to offer benefits. But while going without benefits may boost your bottom line in the short run, the penny-wise philosophy could strangle your business' chances of long-term prosperity.
At Constans we consult management on the feasibility of offering employee benefits.