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Mpumalanga Business 2017 edition

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Mpumalanga Business 2017 is the seventh edition of this highly successful publication that has since its launch in 2008 established itself as the premier business and investment guide to Mpumalanga Province. Supported and utilised by the Mpumalanga Economic Growth Agency (MEGA), Mpumalanga Business is unique as a business journal that focuses exclusively on Mpumalanga.

FOCUS More to good

FOCUS More to good advice than being sold a funeral policy In Standard Bank Financial Consultancy Mpumalanga there are 26 well-educated financial planners who are dedicated to do holistic financial planning for customers. “Financial advice is an experience, not an event. In the past, brokers made it an event by being fly-by-night salesmen who sold you a financial product and never returned to service you,” Gerald Mwandiambira, the acting chief executive office of the South African Savings Institute (Sasi) said during a recent Liberty media event. Mwandiambira, who holds the Certified Financial Planner accreditation, says a funeral policy is the only financial product many black people have. As a result, they have experienced bad advice because, while the policy provided cover for a funeral, it fails to meet their broader financial needs. Many people do not know how life policies work; they can provide disability cover, income protection, income replacement during a severe illness or even a lump-sum payment on death to cover a child’s entire education. “The funeral policy experience, with shortfalls in cover, insufficient cash to meet needs and no follow-ups after the initial sale, often reinforces their perception that financial advisers are not worth the effort,” Mwandiambira explained. The Financial Services Board’s review of the way in which we pay for advice and the ways in which products are distributed, the Retail Distribution Review (RDR), will provide greater transparency about costs and enable individuals to choose advisers who sell financial advice, not financial products. Products are solutions that should enable people to implement the advice they have been given. According to Mwandiambira, Sasi will embrace RDR, as it will ultimately expose more people to the power of life assurance products and real advice, which can enable people to create wealth across generations. He said he hopes that this will lead to products suited to the growing black middle class, who typically face issues like single parenting, providing for members of the extended family, and inadequate retirement planning. The team at Standard Bank concurs with Mwandiambira’s sentiments. In Standard Bank Financial Consultancy (SBFC) Mpumalanga we have 26 well-educated financial planners who are dedicated to do holistic financial planning for our customers. This means the following: • Trust: Our clients need to feel safe doing business with SBFC and to be assured in their decision-making. • Strong relationships: SBFC focuses on building relationships that bring long-term, sustainable benefits to our clients. • Family: We promote a balanced lifestyle and recognise the paramount importance of family life for both colleagues and clients. • Detail: SBFC applies the proper care and skill that would be expected from a professional financial advisor. • Growth: SBFC continuously improves in knowledge, skill, efficiency and communication, and adapts to changing environments in the financial industry. • Smart partnerships: SBFC works together with other professional service providers and our own expert partners and other in-house expertise to give our clients the best possible advice. We provide feedback to you based on well-sourced comprehensive market information. Through diligent financial coaching our aim is to secure your personal financial prosperity. MPUMALANGA BUSINESS 2017 80

FOCUS For more information contact Frans Stapelberg, Regional Sales Manager Mpumalanga SBFC, or one of the other financial consultants at Standard Bank Mpumalanga. CONSULTANT’S DETAILS SURNAME FIRST NAME BRANCH NAME OFFICE NUMBER HIGHVELD REGION OFFICE DETAILS EMAIL ADDRESS Frans Stapelberg Witbank 013 653 0212 frans.stapelberg@standardbank.co.za Nico Botha Witbank 013 653 0305 nico.botha2@standardbank.co.za Louis Gravett Standerton 017 712 0458 louis.gravett@standradbank.co.za Eddie Hadland Middelburg 013 249 7451 william.hadland@standardbank.co.za Rose Makhura Emalahleni 013 656 8300 rose.makhura@standardbank.co.za Anthony Mashabela Siyabuswa 013 973 9618 thipe.mashabela@standardbank.co Elsie Maluleka Kwamhlanga 013 947 9928 elsie.maluleka@standardbank.co.za Zodwa Mokhare Secunda 017 620 7532 zodwa.mokhare@standardbank.co.za Kamela Mosoa Witbank 013 653 0306 service.mosoa@standardbank.co.za Mervin Peerbhaai Middelburg 013 249 7423 mervin.peerbhaai@standardbank.co.za Frans Prinsloo Witbank 013 653 0252 frans.prinsloo@standardbank.co.za Chanline Stander Nigel 011 730 8321 chanline.stander@standardbank.co.za LOWVELD REGION Calvin Campher Ermelo 017 801 1014 calvin.campher@standardbank.co.za Chris Gilday Nelspruit 013 757 5681 chris.gilday@standardbank.co.za Debonair Mabaso Bushbuckridge 013 795 4562 debonair.mabaso@standardbank.co.za Precious Makhanya Elukwatini 017 883 7100 precious.makhanya@standardbank.co.za Refilwe Mekoa Piet Retief 017 826 9661 refilwe.mekoa@standardbank.co.za Isaac Mkhonto Crossings Nelspruit 013 752 4185 isaac.mkhonto@standardbank.co.za Thamsanqa Motha Nelspruit 013 757 5693 thami.motha@standardbank.co.za Sibusiso Mungwe Riverside Mall Nelspruit 013 757 9873 sibusiso.mungwe@standardbank.co.za Ralph Nkonde Malelane 013 791 1534 ralph.nkonde@standardbank.co.za Thulani Phakthi Ermelo 017 801 1027 thulani.phakathi@standardbank.co.za Phillip Theledi White River 013 750 9520 phillip.theledi@standardbank.co.za Jacques van der Schyff Nelspruit 013 757 5686 jacques.vanderschyff@standardbank.co.za Cedusizi Mlambo Bushbuckridge 013 799 5150 cedusizi.mlambo@standardbank.co.za 81 MPUMALANGA BUSINESS 2017

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