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Text Content

“Building your SPHERE of financial well-being”

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 * EXPERT ADVICE
 * BLOG
 * YOUR FINANCES
 * CONTACT


 * MENU

 * 


 * BE FREE TO BE THE PERSON
   YOU WANT TO BE.
   
   FIND OUT MORE
   


 * HAVE ALL YOU NEED
   TO ENJOY ALL YOU HAVE.
   
   FIND OUT MORE
   


 * NO JOURNEY SHOULD EVER
   BE TAKEN ALONE.
   
   FIND OUT MORE
   


 * WHEN YOU DREAM BIG,
   YOU CAN PLAN BIG.
   
   FIND OUT MORE
   

 1. 
 2. 
 3. 
 4. 





"SECURITY IS MOSTLY A SUPERSTITION. LIFE IS EITHER A DARING ADVENTURE OR
NOTHING."



Helen Keller


OUR TEAM



Expert Financial Advice


LEON VAN HUYSSTEEN

Principal, Financial Advisor


About Leon

Leon is an Independent Financial Advisor. He started his career at Sanlam in
1986 and after 21 years of valuable experience he grabbed the opportunity to
join @Sphere Consult CC as an Independent Financial Advisor in November 2007. He
has since become Managing Director of @Sphere Consult.

Born in the Eastern Cape, attended Brandwag Hoȅrskool in Uitenhage.

Qualifications: B.Comm(Ed) University of Port Elizabeth; CFP (ILPA) University
of Orange Free State

His fields of knowledge and experience include Estate Planning, Personal Risk
Cover, Wealth Management and Creation Advice as well as Business Protection
Plans and Succession Planning Advice.

It gives him great pleasure to be able to help clients in his work on a daily
basis. The object is to assist clients to achieve healthy financial stability in
every stage of their lives.

He has been married for 4 decades, has three children and two grandsons.


ELIZE WESSELS

Short Term Insurance Advisor


About Elize

Elize has been working in the Financial Industry since 1979 and since November
2011 at @ Sphere Consult cc.

Qualifications:

RFP1 (Registered Financial Planner 1)
RFP2
RFP3
Diploma in Financial Planning
Completed RPL for submission for post graduate CFP

She specializes in short term insurance and Personal & Commercial Lines.


ANDRÉ SOLOMON

Financial Advisor


About André

André has been working in die Financial Services Industry since 1984 and since
2016 at @ Sphere Consult CC.

Amongst other services, Andre specialises in Risk Insurance, Retirement
Planning, Investments ,Estate Planning and Short term Insurance, to name a few.

His interest are cycling, outdoor activities, golfing and travelling.

Andre has been happily married for 46 years and blessed with 3 sons and 4 grand
children.


JEANINE JACOBS

Medical Financial Advisor


About Jeanine

Jeanine is responsible for our marketing, medical aid, GAP cover and related
business.  She has been in this field for many years and has gained experience
in administration and marketing and has a vast knowledge of the medical aid
field and gives advice on the many different options available.


YOLANDA SIEBRITS

Administrator


About Yolanda

Yolanda is our friendly diligent admin person.  She has been with us since
October 2012


LATEST BLOGS



Updated every week to keep you informed

Previous


TIME TO THINK ABOUT MONEY – PART 4


TIME TO THINK ABOUT MONEY – PART 4

You know how sometimes we tend to procrastinate when it comes to our finances?
Yeah, we’ve all been there. Procrastination can be a major roadblock to
achieving our financial goals. But did you know that Nancy Kline’s Time to Think
methodology can help us overcome that? It’s all about creating a thinking
environment that encourages […]


BALANCING EMOTIONS AND RISK IN ASSET ALLOCATION


BALANCING EMOTIONS AND RISK IN ASSET ALLOCATION

Investing can be likened to the ancient Chinese concept of Yin and Yang, where
opposing forces are interdependent and complementary. In the realm of
investments, this duality might be expressed through the delicate balance
between emotions and risk in asset allocation. Just as Yin and Yang represent
harmony, understanding how these elements interact can lead […]


UNDERSTANDING THE ROLE OF CULTURE IN YOUR FINANCIAL JOURNEY


UNDERSTANDING THE ROLE OF CULTURE IN YOUR FINANCIAL JOURNEY

You’re looking for more than a number-cruncher when seeking integrated financial
planning services. This is because you’re essentially seeking a partner in a
very critical area of your life—your financial future. And much like any other
meaningful relationship, the foundation isn’t just built on expertise but also
on mutual values and shared culture.  Simon Sinek […]


CLOSING THE BEHAVIOR GAP: NAVIGATING EMOTIONAL MONEY MISTAKES AND ASSET
ALLOCATION


CLOSING THE BEHAVIOR GAP: NAVIGATING EMOTIONAL MONEY MISTAKES AND ASSET
ALLOCATION

How often have you found yourself making impulsive decisions about your
investments based on headlines or peer pressure? Maybe you’ve even shifted your
entire asset allocation because of these emotions.  If this sounds familiar,
you’re far from alone.  Carl Richards, in his groundbreaking book “The Behavior
Gap: Simple Ways to Stop Doing Dumb Things with […]


REWIRING YOUR FINANCIAL MINDSET (II)


REWIRING YOUR FINANCIAL MINDSET (II)

Socratic Questioning and Guided Imagery In our previous blog, we discussed how
cognitive distortions can influence your decision-making, emotions, and,
ultimately, your financial well-being. In this one, we’re diving deeper into
specific techniques that can help you combat these distortions: Socratic
Questioning and Guided Imagery. These tools not only help in mental health but
can […]


REWIRING YOUR FINANCIAL MINDSET (I)


REWIRING YOUR FINANCIAL MINDSET (I)

The Psychology of Financial Planning Have you ever found yourself spiralling
down a mental rabbit hole, arriving at a worrying conclusion about your finances
without consciously deciding to ponder over it? If so, you’re not alone, and
it’s not your fault. The Power of Thought Patterns  Humans naturally develop
schemas, or cognitive frameworks, to understand […]


ENTERTAINED OR EDUCATED?


ENTERTAINED OR EDUCATED?

Our lives are saturated with information, so it’s important to scrutinise what
we consume, especially when it comes to financial news and our use of social
media. The core objective of social media isn’t necessarily to make you a more
informed member of society. Instead, it’s driven by the motive to capture your
attention, to […]


COSTS, DELAYS, AND CHALLENGES OF ESTATE ADMINISTRATION


COSTS, DELAYS, AND CHALLENGES OF ESTATE ADMINISTRATION

The emotional toll of losing a loved one leaves us unprepared for the logistical
labyrinth that follows: the administration of their estate. Navigating this
complex process can feel like a second loss, rife with hidden costs, legal
hurdles, and unexpected delays. With the insights from this blog, you’ll be
better equipped to navigate these challenges. […]


FINDING THE TRUTH IN A “MY TRUTH” WORLD


FINDING THE TRUTH IN A “MY TRUTH” WORLD

The lines between personal beliefs and universal truths often blur, and the role
of a financial planner becomes ever more critical. As we wade through the waters
of modern finance, it’s easy to be swayed by popular opinion or individualised
perceptions of reality.  But what’s vital is ensuring that our decisions are
made based on […]


DOWN WITH DEBT!


DOWN WITH DEBT!

Debt can be overwhelming, often feeling like a never-ending battle against
numbers that just won’t budge. It’s not just your bank balance that takes a hit;
it’s your mental well-being, too. If you’ve been struggling with the emotional
and psychological toll of financial instability, you’re not alone—and there’s
hope. In the upcoming blogs, we’re going […]


TIME TO THINK ABOUT MONEY – PART 4


TIME TO THINK ABOUT MONEY – PART 4

You know how sometimes we tend to procrastinate when it comes to our finances?
Yeah, we’ve all been there. Procrastination can be a major roadblock to
achieving our financial goals. But did you know that Nancy Kline’s Time to Think
methodology can help us overcome that? It’s all about creating a thinking
environment that encourages […]


BALANCING EMOTIONS AND RISK IN ASSET ALLOCATION


BALANCING EMOTIONS AND RISK IN ASSET ALLOCATION

Investing can be likened to the ancient Chinese concept of Yin and Yang, where
opposing forces are interdependent and complementary. In the realm of
investments, this duality might be expressed through the delicate balance
between emotions and risk in asset allocation. Just as Yin and Yang represent
harmony, understanding how these elements interact can lead […]


UNDERSTANDING THE ROLE OF CULTURE IN YOUR FINANCIAL JOURNEY


UNDERSTANDING THE ROLE OF CULTURE IN YOUR FINANCIAL JOURNEY

You’re looking for more than a number-cruncher when seeking integrated financial
planning services. This is because you’re essentially seeking a partner in a
very critical area of your life—your financial future. And much like any other
meaningful relationship, the foundation isn’t just built on expertise but also
on mutual values and shared culture.  Simon Sinek […]


CLOSING THE BEHAVIOR GAP: NAVIGATING EMOTIONAL MONEY MISTAKES AND ASSET
ALLOCATION


CLOSING THE BEHAVIOR GAP: NAVIGATING EMOTIONAL MONEY MISTAKES AND ASSET
ALLOCATION

How often have you found yourself making impulsive decisions about your
investments based on headlines or peer pressure? Maybe you’ve even shifted your
entire asset allocation because of these emotions.  If this sounds familiar,
you’re far from alone.  Carl Richards, in his groundbreaking book “The Behavior
Gap: Simple Ways to Stop Doing Dumb Things with […]


REWIRING YOUR FINANCIAL MINDSET (II)


REWIRING YOUR FINANCIAL MINDSET (II)

Socratic Questioning and Guided Imagery In our previous blog, we discussed how
cognitive distortions can influence your decision-making, emotions, and,
ultimately, your financial well-being. In this one, we’re diving deeper into
specific techniques that can help you combat these distortions: Socratic
Questioning and Guided Imagery. These tools not only help in mental health but
can […]


REWIRING YOUR FINANCIAL MINDSET (I)


REWIRING YOUR FINANCIAL MINDSET (I)

The Psychology of Financial Planning Have you ever found yourself spiralling
down a mental rabbit hole, arriving at a worrying conclusion about your finances
without consciously deciding to ponder over it? If so, you’re not alone, and
it’s not your fault. The Power of Thought Patterns  Humans naturally develop
schemas, or cognitive frameworks, to understand […]


ENTERTAINED OR EDUCATED?


ENTERTAINED OR EDUCATED?

Our lives are saturated with information, so it’s important to scrutinise what
we consume, especially when it comes to financial news and our use of social
media. The core objective of social media isn’t necessarily to make you a more
informed member of society. Instead, it’s driven by the motive to capture your
attention, to […]


COSTS, DELAYS, AND CHALLENGES OF ESTATE ADMINISTRATION


COSTS, DELAYS, AND CHALLENGES OF ESTATE ADMINISTRATION

The emotional toll of losing a loved one leaves us unprepared for the logistical
labyrinth that follows: the administration of their estate. Navigating this
complex process can feel like a second loss, rife with hidden costs, legal
hurdles, and unexpected delays. With the insights from this blog, you’ll be
better equipped to navigate these challenges. […]


FINDING THE TRUTH IN A “MY TRUTH” WORLD


FINDING THE TRUTH IN A “MY TRUTH” WORLD

The lines between personal beliefs and universal truths often blur, and the role
of a financial planner becomes ever more critical. As we wade through the waters
of modern finance, it’s easy to be swayed by popular opinion or individualised
perceptions of reality.  But what’s vital is ensuring that our decisions are
made based on […]


DOWN WITH DEBT!


DOWN WITH DEBT!

Debt can be overwhelming, often feeling like a never-ending battle against
numbers that just won’t budge. It’s not just your bank balance that takes a hit;
it’s your mental well-being, too. If you’ve been struggling with the emotional
and psychological toll of financial instability, you’re not alone—and there’s
hope. In the upcoming blogs, we’re going […]


TIME TO THINK ABOUT MONEY – PART 4


TIME TO THINK ABOUT MONEY – PART 4

You know how sometimes we tend to procrastinate when it comes to our finances?
Yeah, we’ve all been there. Procrastination can be a major roadblock to
achieving our financial goals. But did you know that Nancy Kline’s Time to Think
methodology can help us overcome that? It’s all about creating a thinking
environment that encourages […]


BALANCING EMOTIONS AND RISK IN ASSET ALLOCATION


BALANCING EMOTIONS AND RISK IN ASSET ALLOCATION

Investing can be likened to the ancient Chinese concept of Yin and Yang, where
opposing forces are interdependent and complementary. In the realm of
investments, this duality might be expressed through the delicate balance
between emotions and risk in asset allocation. Just as Yin and Yang represent
harmony, understanding how these elements interact can lead […]
Next
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VIEW MY BLOGS


"A PENNY SAVED IS A PENNY EARNED."



Benjamin Franklin


YOUR FINANCES



Helping you choose the right products to create a portfolio that will fit the
life you want to plan

Previous


 CORPORATE BENEFITS

Group Life, Pensions and Provident Funds remain an essential part of a well run
business. I 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.

FIND OUT MORE


BUSINESS ASSURANCE

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.

FIND OUT MORE


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.

FIND OUT MORE


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.

FIND OUT MORE


INVESTMENTS & TAX FREE ACCOUNTS

When it comes to investing, it’s important to have a diverse portfolio. My
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.

FIND OUT MORE


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?

FIND OUT MORE


LIFE COVER

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.

FIND OUT MORE


 ESTATE PLANNING

Estate planning is not only for the mega-rich. If you have assets, investment
policies, risk cover and more than one potential beneficiary, then I 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!

FIND OUT MORE


CRITICAL ILLNESS

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.

FIND OUT MORE


RETRENCHMENT BENEFIT

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.

FIND OUT MORE


 CORPORATE BENEFITS

Group Life, Pensions and Provident Funds remain an essential part of a well run
business. I 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.

FIND OUT MORE


BUSINESS ASSURANCE

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.

FIND OUT MORE


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.

FIND OUT MORE


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.

FIND OUT MORE


INVESTMENTS & TAX FREE ACCOUNTS

When it comes to investing, it’s important to have a diverse portfolio. My
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.

FIND OUT MORE


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?

FIND OUT MORE


LIFE COVER

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.

FIND OUT MORE


 ESTATE PLANNING

Estate planning is not only for the mega-rich. If you have assets, investment
policies, risk cover and more than one potential beneficiary, then I 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!

FIND OUT MORE


CRITICAL ILLNESS

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.

FIND OUT MORE


RETRENCHMENT BENEFIT

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.

FIND OUT MORE


 CORPORATE BENEFITS

Group Life, Pensions and Provident Funds remain an essential part of a well run
business. I 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.

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BUSINESS ASSURANCE

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.

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"ACTION IS THE FOUNDATIONAL KEY TO ALL SUCCESS."



Pablo Picasso


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.

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"THE STARTING POINT OF ALL ACHIEVEMENT IS DESIRE."



Napoleon Hill

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