For individual investors

Financial services built around your life.

Financial planning, investment advice, offshore investing, estate planning and retirement planning — delivered through authorised advisers in plain language, and open to you from R250 a month.

What we offer

Advice for every stage of your money life.

Through Alexandra Financial Services, our own advisers and our wider network of independent, authorised advisers look after individual investors and families. Whether you are planning for a milestone, your child's education or retirement, we provide practical, straightforward guidance you can rely on.

Every recommendation is explained in plain language, every product is regulated, and every fund carries a Minimum Disclosure Document (MDD) and factsheet you can read before you invest.

Financial planning

Good financial planning starts with the right guidance. Just as you would seek professional advice on legal or medical matters, working with a qualified financial adviser helps you make better-informed decisions about your future. Our advisers sit down with you, understand your circumstances in plain language, and build a practical plan you can actually follow.

Personal financial needs analysis
Budgeting and cash-flow planning
Goal-based savings plans
Education planning for your children

Investment advice

Everyone starts from a different place. Whether you are saving for a milestone, your child's education or simply want your money to grow, we help you choose suitable regulated products and review them with you over time.

Unit trusts (collective investment schemes)
Tax-free savings accounts
Education and goal-based savings
Endowments and discretionary investments

Offshore investment

Offshore investing can help you diversify your portfolio and access opportunities beyond South Africa. Our advisers explain the options, the risks and the costs clearly before you commit a rand.

Offshore unit trusts and ETFs
Rand-denominated global feeder funds
Direct offshore portfolios
Exchange control guidance

Estate & will planning

We help you put clear plans in place to protect your assets and support your family in the future — so that what you build benefits the people you love, without confusion or unnecessary cost.

Drafting and updating your will
Estate duty and executor planning
Beneficiary nominations on policies
Trust and guardianship arrangements

Retirement planning

We guide you through every stage of retirement planning — helping you prepare, preserve and manage your retirement income, from your first contribution to the day you draw your pension.

Retirement annuities
Pension and provident fund preservation
Living annuities in retirement
Life, disability and funeral cover

Speak to someone

Not sure where to start?

An adviser will help you work out which of these services fits your situation — at no obligation.

Find an adviser

A global first

Alternative Retirement Planning.

Under retirement planning, AAM offers something no traditional financial services group does: Alternative Retirement Planning — a way for communities to plan for retirement using everyday consumption.

Shopping for everyday basics such as bread, eggs and juice can also assist with property ownership and retirement planning. The money a community already spends starts working for that community's future. It is a global first, developed by our founder, Luthando Maduna CA(SA), through the Wealth Rotation System.

It works alongside — not instead of — regulated retirement products like retirement annuities and preservation funds, and our advisers will explain exactly how the two fit together. Returns are not guaranteed and capital is at risk.

A family buying bread, eggs and juice at a neighbourhood store

Step 1

You shop

You buy everyday basics — bread, eggs, juice and other essentials — at stores within AAM developments.

Step 2

Value rotates

A share of the value you spend stays in the community structure instead of leaving it.

Step 3

Ownership grows

That value supports property ownership in the developments where you live and shop.

Step 4

Retirement builds

Over time, participation assists with share investing and retirement funding.

The model behind it

The Wealth Rotation System.

The Wealth Rotation System is a financial-inclusion model developed by our founder in which everyday expenses are used to accumulate wealth. Instead of money leaving the community when people shop, a share of that spending rotates back — giving ordinary consumers a gateway to property investing, share investing and retirement funding.

Inclusive by design

You do not need a lump sum to participate. The system turns spending you already do into a starting point for ownership.

Three gateways

Property investing, share investing and retirement funding — reached through regulated funds and ring-fenced property structures, from R250 a month.

A mission beyond profit

The Wealth Rotation System is designed to assist the Luthando Maduna Foundation in its mission of 100% poverty eradication for the members and communities we serve through our work.

Engage with us

Investment, development and partnership enquiries.

Contact our team