“Simplicity is the ultimate sophistication”

Leonardo da Vinci


We believe that you should be able to enjoy financial freedom. This begins with defining your dreams and aspirations, setting attainable goals, and putting a personalised financial plan in place that suits your needs.

We understand that financial planning can be confusing and even intimidating. That is why we value simplicity and aim to empower our clients with the knowledge and understanding to take control of their financial future.

NLD Independent Financial Advisors is a family business established in 1995. Whether you are an individual looking to achieve financial freedom, or a business needing employee benefit or assurance advice, we will work with you to achieve success.


Expert Financial Advice

John Nicol

Senior Financial Advisor & Co-Owner
082 800 3765
About John

I started my career in financial services in Cape Town 1969. Since then I have been involved in all aspects of financial services, culminating in establishing NLD in August 1995 in Port Elizabeth as an Employee Benefits and Investment specialist.

What motivates me is listening to clients to establish their financial needs and goals and providing them with a workable solution.

When not at work, I can be found with my family in the Drakensberg mountains or exploring our beautiful country.

David Nicol

Senior Financial Advisor & Co-Owner
082 856 0356
Western Cape
About David

I started a career in finance in 1974. Throughout my working life, I have stayed in financial services as an advisor and later in senior management with a local insurance company. In 2009, I left the corporate world to join my brother at NLD in Cape Town.

My commitment to my clients is to understand their dreams, goals and needs and help them to achieve financial wellness. Strategies are regularly reviewed in line with the clients evolving needs and changes in legislation and markets to ensure that their goals are attained.

Outside work, I am a family man enjoying the company of family and friends and our dogs. Living close to the ocean in beautiful Cape Town allows me to explore my photography when I am not spending time in one of our wildlife national parks.

Jason Nicol

Financial Planner
071 471 2020
Eastern Cape
About Jason

I am a newcomer to the industry, only joining NLD in 2012. Having plied my trade both locally and abroad, it was necessary to change my career to suit my personal aspirations of living a well-rounded lifestyle.

My main role is to provide advice to companies and individuals to enable them to make informed decisions on their personal livelihoods and those of their employees.

When not at work, I am probably watching a herd of elephants or tracking down lions in one of South Africa’s fine game reserves. My wife and I love to travel and explore the back roads and hidden gems this country has to offer.

Bryan Nicol

Financial Planner
083 564 3488
Western Cape
About Bryan

After university, I entered the world of recruitment and ran my own business for several years. In 2016, I decided that a major change was needed in my life. I left the world of recruitment and joined NLD.

I value working with people who want to achieve financial freedom. I help clients understand their finances, the decisions that need to be made and the action that must be taken to achieve their goals.

I love spending time with my wife, exercising, and playing with our dogs. We both love to travel; to discover new cultures, food, and people. We are blessed to live in a country with the most amazing wildlife, so we make a point of spending quality time in the bushveld every so often.


Updated every week to keep you informed

“Know what you own and know why you own it”

Peter Lynch


We help individuals, employers, and business owners identify and understand their needs, and guide them in planning solutions.

"Most people don't plan to fail, they fail to plan."

John L Beckley


Hear it from our clients

I have always found NLD to be a trustworthy partner in my financial journey. The personal attention I receive makes me feel like my own needs are truly catered for and looked after with the care it deserves. Their open and honest consultations about products and offerings helps immensely with decision making, especially for someone who is not that clued up on financial terms and strategies.


The financial advice provided by Bryan and his team is transparent, more so the additional value-adding information provided ensures that one is confident when making informed financial decisions. Careful consideration is given to clients in respect of their financial needs and risks and changes thereof."


I am stunned; I have no words, for your integrity and the manner in which you handled the difficult risk conversion which has been a concern to me for so long… Thank you for what being what I call "’n man op ‘n perd", this shows me what kind of people I am dealing with. Thank you very much out of the depth of our hearts.

Peet & Hannie

Firstly, on behalf of the board of management we wish to thank you and NLD for your excellent advice and service that has enabled us to make an informed decision at the time to switch to the current investment strategy. This change has been positive, and we have already seen the benefit for the fund and most importantly for its members. Thanking you.


Employee benefits client

A million thanks for all your assistance in resolving this matter. A special thank you for intervening on our behalf and ensuring that the member benefit claim is paid on time.


Employee benefits client

Thank you very much for this interesting report. Needless to say, I am very happy with the performance to date.


Cape Town

When our family relocated to the Western Cape, one thing that concerned us was finding a new Financial Advisor. We found Bryan after some research and its paid dividends as he has ticked every box for us and more.

Colin & Shirley

I am very thankful that NLD via David Nicol, has always looked after my financial portfolio with absolute efficiency and integrity. He and his team have kept me updated and knowledgeable of all financial aspects alerting me to changes. It is a pleasure to be cared for financially by professionals that know their business and can convey it to clients in a logical and simple manner. I will recommend NLD to any prospective client looking for financial security and stability.


I have been with NLD for the past 20 years. I was placed on disability income 4 years ago and NLD handled the disability process like true professionals. When I reached retirement age David arranged preparation meetings to ensure a smooth transition from disability income to retirement pension. He facilitated my investments and monitors the performances of my portfolio, alerting me to red flags. I pride myself in being served by David and his most competent team.


We have known John for the past 20 years and he is still today the same professional, offering excellent advice with honesty and integrity. He is on top of current market trends and delivers on promises made, over and above our expectations. This has been the case from the beginning and the same applies to his support team at NLD. We have never been concerned about our investment. He puts our mind at ease regarding current and likely future rises and falls in markets.

Luis & Colleen

I have been retired now for 11 years and have really enjoyed dealing with NLD and John in particular. I am always kept up to date with my pension performance, financial trends, and other associated matters. I appreciate the excellent service and personal attention.

Andrew Bowker

“The way to get started is to quit talking and start doing”.

Walt Disney


Need to get hold of us?

John: john@nld.co.za | 082 800 3765
David: david@nld.co.za | 082 856 0356
Jason: jason@nld.co.za | 071 471 2020
Bryan: bryan@nld.co.za | 083 564 3488