“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
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.
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.
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.
I commenced my financial planning career with NLD in 2018, as I was finishing up at university.
I love working with young professionals who want to get the best out of life, and who see the importance of planning their finances with my guidance.
Similarly, I am a young professional and my fiancé and I also aspire to live our best lives. This will definitely include travel; meeting new people, discovering new cultures and cuisines, and seeing the vast beauty the world has to offer.
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”
HOW WE CAN HELP YOU
We help individuals, employers, and business owners identify and understand their needs, and guide them in planning solutions.
We will help you create a personal financial plan to achieve your goals. This may include saving for retirement, your children’s education, or investing to create wealth. Your plan should also make provision for life events that can negatively impact your finances, such as the loss of income, the passing of a loved one, serious illness, or disability. And in the event of your own death, the plan will ensure that your dependents are cared for in your absence.
Retirement funds and group risk cover remain an essential part of a well-run business. We will tailor your business’ employee benefits programme, making use of the most appropriate and reputable providers to ensure a tax and cost-effective employee benefit programme that is designed around your specific needs.
Should you, your business partner or a key individual become disabled, impaired or die, will the business survive? Have you thought about and planned for these events? We can help you design affordable, flexible, and comprehensive solutions to meet all your business assurance needs.
Medical Cover & Gap Cover
We are able to advise on a wide and diverse range of Medical Cover and Gap Cover products that will suit almost any budget. These products range from cover for basic hospital stays through to full, comprehensive medical aids that cover consultations with doctors, medication, glasses and other medical expenses.
Retirement Planning and Provision
The sooner you begin to plan and save for your retirement, the sooner you can retire! The product most bought for this type of financial planning and provision is known as a Retirement Annuity (RA). Most companies have RA’s worked into their remuneration packages, but many don’t.
Investments & Tax Free Accounts
When it comes to investing, it’s important to have a diverse portfolio. Our expert knowledge and extensive investment options allow you to truly choose the very best products available to you. From low-risk, long-term investing to high-risk, short-term strategies we can mix it up or keep it conservative: investments completely tailored to who you are and where you want to go.
Disability & Income Protection
Most households in today’s economy rely on more than one income to keep the household expenses under check, very few are able to survive on one income alone. If you were injured or disabled in some way and could no longer work, would your family be able to cope without your income?
You pay tax every month to the state, but what are you paying to provide for those that you love and care about after you have gone? Life cover should not be seen as a grudge purchase but rather as an investment into the future of your spouse and children. You work hard to provide for them now, that shouldn’t have to change in the future.
Estate planning is not only for the mega-rich. If you have assets, investment policies, risk cover and more than one potential beneficiary, then we can assist you with the planning of your estate and how it will be allocated when you pass away. An estate that is left open can cause a difficult time to be even harder for those who are left behind. Often there is more work needed on a R3m estate than on one that is worth R20m!
These products are also known as Dread Disease Cover. Advances in medical care mean that more people can now survive illnesses once thought to be fatal. However, although many individuals lead relatively normal lives, they no longer enjoy the same mobility or good health. The best medical treatment can cost you and your diminished ability to work could force you to make severe lifestyle changes.
Have you thought about what you and your family will do if you are retrenched? If it hasn’t happened to you, you probably know someone who’s been retrenched. In these tough economic times, it’s one of the most understandable fears. You want to be protected if you’re faced with retrenchment or liquidation.
Group Life, Pensions and Provident Funds remain an essential part of a well run business. We will tailor your company’s pension and provident funds for you, using the most appropriate corporate providers to tender for the risk benefits and the retirement benefits separately – ensuring cost effective and customer specific corporate benefits.
Will your business survive if you are disabled, die or become impaired or what would the consequences be if this happened to one of your partners? Together we can design flexible and comprehensive solutions to meet your business assurance needs, utilising Key-Man policies and Buy-and-Sell agreements where appropriate.
"Most people don't plan to fail, they fail to plan."
John L Beckley
ARE YOU SAVING ENOUGH?
How healthy is your financial plan when it comes to saving and provisioning funds for the future? Digital technology and our diverse economic systems and policies have increased our options both for investment and for risk protection. This is an arena that is constantly changing, growing rapidly and needs to be monitored regularly – which is one reason for having your own financial planner!
WHO DO YOU CHOOSE?
If you have never worked with a financial advisor before, you may find yourself overwhelmed by the choice, confused by the jargon and frustrated at the cost! But in the same way you wouldn't service your own car, it's good to have someone you trust to advise and guide you to make healthy decisions about your wealth.
CREATE WINNING STRATEGIES
Aside from being an expert in the money game and having a keen sense of the conditions and lay of the financial landscape, winning strategies are born inside of a relationship of trust, mutual understanding and a commitment to strive for the same goals. Your financial advisor should bring you peace-of-mind and help you maintain control of your finances.
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.
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.
Thank you very much for this interesting report. Needless to say, I am very happy with the performance to date.
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.
“The way to get started is to quit talking and start doing”.