Services
Comprehensive Financial Advice. Across Every Stage of Life.
At Curated Heritage we offer financial planning across two core areas — personal financial advice for individuals and families, and specialist financial solutions for business owners and SME directors. Every recommendation we make is underpinned by rigorous needs analysis, full FAIS compliance, and a genuine commitment to your long-term financial wellbeing.
Personal Financial Planning
Protecting What Matters Most to You
Life is unpredictable. Your financial plan shouldn’t be. We help individuals and families across Cape Town build a comprehensive safety net — one that protects your income today and grows your wealth for tomorrow.
Life cover
ensuring your family is provided for if the worst happens
Disability cover
protecting your income if you cannot work
Severe illness cover
financial support when you need it most
Income protection
keeping your lifestyle intact through life's disruptions
Retirement planning
building towards the future you deserve
Investment and Wealth Planning
growing your wealth with purpose
Who This is for
Professionals, families, and individuals earning R25,000 per month or more who understand the value of protecting what they have built.
Business Financial Solutions
Protecting the Business You've Built
Your business is your most valuable asset. We help Cape Town’s business owners and SME directors put the right financial structures in place — so that your business survives and thrives regardless of what happens.
Key person insurance
protecting the business if a critical person cannot work
Buy-sell agreements
ensuring business continuity when a partner exits
Group schemes
attracting and retaining top talent with competitive benefits
Director and shareholder planning
protecting personal and business interests
Who This is for
Business owners, directors, and SME operators in Cape Town who are serious about protecting what they have built and planning for long-term continuity.
Investment and Wealth Planning
Unit trust investments
growing your money with market-linked returns
Retirement annuities
tax efficient savings for your future
Endowments
structured medium term savings solutions
Single premium investments
putting a lump sum to work immediately
Preservation funds
protecting your retirement savings between jobs
How We Work
Our Advice Process — Simple, Transparent, Compliant
Discover
We listen. We ask the right questions. We understand your life, your goals, and your concerns before we make a single recommendation.
Analyse
We conduct a comprehensive Financial Needs Analysis — looking at your income, expenses, existing cover, and future goals.
Recommend
We present a clear, jargon-free recommendation — explaining exactly what we’re suggesting and why it’s right for you.
Protect
We implement your plan, monitor it over time, and review it as your life changes. This is a long-term relationship — not a once-off transaction.
Not Sure Where to Start?
Book a complimentary 20-minute consultation. We’ll listen first, advise second.