Risk and Wealth Management

 Silvertree provides comprehensive financial planning with a strong emphasis on independence

We use a client-centric model, with a focus on understanding and meeting the needs, preferences and expectations of clients and building strong, long-lasting relationships. Our independence allows us to source bespoke solutions for clients by working with a wide range of providers and product specialists across all sectors of the market.

Our services

Protection for businesses

The death or disability of a business owner often has a detrimental impact on a business and its long-term sustainability.

Silvertree structures solutions to protect businesses against unforeseen interruptions. To encourage staff loyalty, we construct risk and retirement solutions for employees.

Protection for individuals

Personal financial planning is the financial management of individuals and family units to save and spend their resources to achieve a variety of financial goals and objectives. It also protects and mitigates against financial risks and life events.

This is an ongoing, dynamic and interactive process requiring frequent assessments and adjustments based on changing needs.

  • Wealth planning

    Our objective is to foster the growth of your investments, cultivating a robust portfolio through a strategic blend of local and offshore investment options.

    We employ diverse financial products and tax structures to ensure resilience in the face of any financial challenges.

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    Individuals | Financial planning

    Financial goal setting: short, medium and long-term goals

    Budget and cash flow

    Local and offshore investment portfolio construction: we conduct an annual due diligence on a number of asset managers and select portfolios ensuring that our clients’ portfolio construction is well managed according to their stated goals and objectives.

    Insurance planning, including Life Cover; Disability Benefits; Dread Disease Cover; and Funeral Cover.

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    Individuals | Estate duty and intergenerational succession planning

    By planning an estate, finances and assets are structured in a way that ensures estate duties are minimised and that there is sufficient liquidity to meet an estate's financial obligations upon death. It ultimately ensures that any inheritances are sufficiently distributed or protected for heirs.

  • Individuals | Tax planning

    We use legal strategies to minimise tax liability and maximise returns. Effective tax planning helps individuals save money, increase cash flow and ultimately achieve their objectives.

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    Business | Employee benefits

    Silvertree works closely with industry-leading employee benefits providers to structure solutions to meet the needs of both employers and employees.

    Our long-standing relationships with established providers - that we trust and who deliver on their commitments – allow us to offer solutions that include Pension Funds, Group Risk Schemes and Group Retirement Annuity Funds.

  • Business | Key Person assurance

    Effective and well-trained staff are vital to the success of a business and if they were to die or become disabled, a business continuity plan, such as Key Person assurance, will ensure fewer disruptions to ongoing business flows and income generation.

  • Business | Contingent liability assurance

    Business owners are often asked to provide personal surety for loans which poses a personal risk to the estate of the guarantor.

    The solution is for the business to insure the life of the guarantor with a contingent liability policy.

  • Business | Buy-and-sell agreement

    To ensure the continuation of a business on the death or disability of a co-owner, a buy-and-sell agreement should be structured with pre-determined values and terms.

    This arrangement is underpinned and funded by life insurance policies on the co-owners’ lives.

  • 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 SERVICE 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.

  • Olivia van der Berg

    FINANCIAL SERVICES ADMINISTRATOR

    Olivia joined Silvertree in May 2011. She has a National Diploma in Management Assistance and Secretarial Studies, as well as a Paralegal certificate. She provides administration support to private and corporate clients, with a key focus on employee benefits administration. On weekends she likes to spend time with her family, hiking and enjoys visiting the many farms the Western Cape has to offer.

  • 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”.

  • 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.