All fees and commission are paid to the company by the product provider. No more than 30% of the company’s total remuneration is from any one product provider. Remuneration will always be disclosed to clients and where fees are charged, this will be agreed upon upfront in terms of our proposal. For further information, refer to our disclosure notice.

The company has entered into written agreements with multiple product providers, allowing us to market their products: Allan Gray, Coronation, Investec, Liberty Life, Momentum, Old Mutual, Discovery Life & Invest, Discovery Health and Sanlam - for a full list of our selected product providers, refer to our disclosure notice.

Silvertree takes a client-centric approach, not a product-centric one and focuses on tailor-made solutions. Product provider advisers can't dispense advice. As an independent advisory, Silvertree has access to a far wider range of providers and products enabling clients to benefit from the best and most effective product for them.

Should you as the client be dissatisfied with services rendered by us, a complaint may be lodged in writing – with copies of relevant documentation – and addressed to: Mr Mark Moir, Key Individual, Postnet Suite 52, Private Bag X12, Tokai 7966. Tel: 021 702-1915 Fax: 021 702-1097 or via email: mark@silvertreegroup.co.za. If still unsatisfied, the complaint can be escalated to the ombudsman: FAIS Ombud, P O Box 74571, Lynwood Ridge, 0040. Tel: 012 470-9080 Fax: 012 348-3447 or via email: info@faisombud.co.za. Website: www.faisombud.co.za

Any advice, quotation, recommendation or variation received in writing from Silvertree or its representatives.

We have been operating as an independent advisory company since 2007. Each of our financial advisors has 15 or more years of experience in financial planning.