• Investment and wealth management

  • We provide comprehensive financial planning services

  • A client-centric model that is bespoke to each

  • We help protect and mitigate against financial risks and life events.

  • We aim to foster the growth of your investments

  • Providing peace of mind and assurance

  • For individuals and businesses

Silvertree delivers independent, comprehensive financial planning designed entirely around you

We take the time to understand what matters most—your goals, your priorities, your future. Our independence gives us access to leading providers and specialists, enabling us to design bespoke strategies with precision, clarity, and care.

Our services

Protection for businesses

The death or disability of a key business owner can materially disrupt operations and threaten long-term continuity.

Silvertree structures tailored solutions to safeguard businesses against unforeseen events and ensure resilience.

Protection for individuals

Personal financial planning helps you manage, grow, and deploy your resources to achieve your financial goals while safeguarding against life’s uncertainties.

It is an ongoing, adaptive process - continuously refined as your needs, priorities, and circumstances evolve.

  • Wealth planning

    Wealth planning brings structure and purpose to your financial life—aligning investments, income, and capital with your long-term objectives.

    We focus on preserving and growing wealth across generations, while managing risk, tax efficiency, and liquidity with precision.

    The outcome is a clear, coordinated strategy designed to support both lifestyle and legacy.

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    Individuals | Financial planning

    We integrate insurance and investment planning to help you build and protect long-term financial security.

    This includes tailored life cover, disability cover, and dread disease protection, alongside disciplined investment strategies focused on growing and preserving wealth.

    The result is a coordinated plan that protects against life’s risks while supporting your financial goals over time.

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    Estate and intergenerational succession planning

    We structure the efficient transfer of wealth across generations in line with your wishes.

    Our approach addresses liquidity, tax efficiency, and governance to protect assets and reduce complexity for your beneficiaries.

    The result is a clear succession plan that preserves wealth and ensures continuity.

  • Tax planning

    We incorporate tax considerations into your overall financial plan to improve efficiency and long-term outcomes.

    Within the scope of financial advice, we focus on structuring investments and income in a tax-aware manner, in coordination with your tax practitioner where appropriate.

    The aim is to support more effective wealth accumulation and preservation over time.

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    Employee benefits

    We design and implement employee benefit solutions that support business continuity and staff wellbeing.

    This includes group risk cover - life, funeral, disability, and dread disease - and group retirement fund solutions tailored to your workforce.

    The outcome is a structured benefits offering that supports retention, protection, and long-term financial security for employees.

  • Key Person assurance

    We structure key person cover to protect your business against the financial impact of losing essential employees or directors.

    This ensures continuity by providing liquidity to stabilise operations, manage disruption, and support strategic recovery.

    The result is stronger business resilience and reduced dependency on any single individual.

  • Contingent liability assurance

    We structure contingent liability cover to protect your business against financial obligations triggered by defined events.

    This ensures liquidity is available when needed, reducing pressure on cash flow and supporting continuity during periods of disruption.

    The result is greater financial stability when it matters most.

  • Buy-and-sell agreement

    We structure buy-and-sell cover to facilitate the transfer of ownership in the event of death or disability of a business partner.

    This ensures the agreed value can be funded without disrupting operations or placing strain on the business.

    The result is a smooth transition and certainty for all parties.

  • We have partnered with Silvertree for a number of years to manage our defined contribution pension scheme. The personal and customised service and advice we receive, along with regular engagement and risk assessment, puts Silvertree over and above what any major corporate firm could provide to our medium-sized busines.

    Murray Barlow | Cellarmaster | Head of Sales and Marketing, Rustenburg Wines

  • Alison has been my financial advisor for over 10 years. Together, we have actively monitored and reviewed my financial objectives towards financial freedom in my retirement. I find Alison to be extremely knowledgeable and personable and, together with Heather, they provide efficient, friendly and helpful service. They are always available should I have questions or require assistance. I highly recommend their services as I feel assured that my best interests are always served.

    Tim Moulder | Private client

  • Thank you very much for looking after our financial affairs. Pat and I really do appreciate all that you do.

    Charles and Pat Hepburn | Private clients

Our team

  • Mark Moir CFP ®

    FINANCIAL PLANNER

    Mark is a qualified CFP with over 20 years experience in the financial services industry. He enjoys interacting with a variety of clients and his primary focus is on wealth creation and investments. He is married to Mary, is the father of three active sons and is a committed family man who actively supports all of his children’s pursuits. His favourite word is “consistency” and he applies it in his professional life, as well as to all of his hobbies and interests, which include mountain biking, art, boxing and surfing.

  • Lynne Kimble CFP ®

    FINANCIAL PLANNER

    Lynne holds a Post Graduate Diploma in Financial Planning, as well as a National Diploma in Marketing Management, and is CFP accredited. She has extensive industry experience in delivering highly effective and independent risk and investment solutions to both private and corporate clients, with a particular focus on the employee benefits sector. Lynne loves to travel and experience new cultures.

  • Alison Wills CFP ®

    FINANCIAL PLANNER

    Alison is a qualified CFP and holds a Post Graduate Diploma in Financial Planning, as well as a National Diploma in Marketing Management. She has many years’ experience in private banking and the financial services industry. She focuses primarily on individual and family financial planning, from risk management to wealth creation. Married to Paul, she has one son, Sebastian, and a stepson, James. The family is passionate about the great outdoors, the mountains and the beach, which Alison calls her happy place.

  • Robyn Woodward CFP ®

    FINANCIAL PLANNER

    Robyn has been in the financial services industry since 2001 and holds her CFP accreditation from Stellenbosch University. She was appointed a partner at Silvertree in 2021. She is passionate about providing quality independent financial advice to individuals as they navigate the various financial life stages from wealth creation to retirement planning. She has grown a loyal client base over the years as testament to this. Robyn loves travelling, cooking and keeping active with running, yoga and gym.

  • Heather Silverman

    FINANCIAL SERVICES ADMINISTRATOR

    Heather joined Silvertree in 2008 as a client administrator. She has been in the industry for nearly 30 years and has a wealth of knowledge from a compliance, operational and administrative perspective. Her primary function is client liaison, support to the financial advisers, as well as office management and she is an integral part of the business.

  • Claudette Blanke

    FINANCIAL SERVICES ADMINISTRATOR

    Claudette worked for a financial institution for 36 years and then joined the Silvertree team where she has played a key role as a senior administrator since 2007. Her hobbies include reading “who-done-it” novels and watching crimes series, which she says is less stressful than watching the news. Her philosophy is that “change is the only constant in life”.

  • Charnelle Van De Rheede

    FINANCIAL SERVICES ADMINISTRATOR

    Charnelle joined Silvertree in January 2025, bringing over a decade of administrative experience in the financial services industry. As an administrative assistant, she’s known for her efficiency and attention to detail. Outside of work, Charnelle has a flair for interior decorating and a passion for baking. She loves spending time outdoors with her husband and two kids, who are keen swimmers and rugby players. She's also deeply involved in youth development, empowering young adults to reach their full potential.

  • Margaret Moir

    BOOKKEEPER

    Margaret joined the company in January 2007 with a brief to set up an accounting system that is compliant with the FSB and SARS, and has enjoyed seeing the business grow over the years. She enjoys the flexibility of her working hours which allows her time to spend with her seven grandchildren. Her interest is in waterwise plants and to this end she has started a communal garden in a nearby park.

  • Gugu Siziba

    PARAPLANNER

    Gugu holds a Postgraduate Diploma in Financial Planning, as well as a BCom in Financial Planning. She has worked in various roles within the financial services industry and continues to pursue her growth within the industry. In her spare time, she enjoys watching documentaries and spending time with those close to her heart.

  • Dickie Du Preez

    ADMINISTRATOR

    Dickie has been a key part of the administration team for many years and provides invaluable assistance in establishing proper record-keeping and the storing thereof. His background in auditing ensures great attention to detail. He loves all forms of sport and can be found cheering for the Proteas and Springboks on a regular basis.

We take great pride in our commitment to professionalism and ethics.

We are registered with the Financial Planning Institute of South Africa, meeting their stringent qualification and competency requirements. This affiliation underscores our dedication to operating at the highest level of professional standards, ensuring our clients receive trustworthy and reliable financial advice.

All of our wealth managers are qualified and experienced to cover all aspect of the services we offer. Silvertree is an independent advisory firm, thus ensuring we source the best products to meet our clients’ needs.

Get in touch.