Access years experience in the financial services and insurance industry.
Our outstanding Business Services
Businesses require specialist financial advisory services. Accolade are able to provide advice on the needs of shareholders, management, key individuals and staff and apply our expertise to:
Succession Planning
Where 2 or more partners own shares in a business and one of the partners dies, the surviving partners are required to come up with the cash to purchase the shares from the Deceased Partner’s Estate. If they do not have the funds, the deceased partner’s estate may sell the shares to an outside party or the business may have to be liquidated. Accolade provide a plan utilising life policies to ensure that the cash is available to pay the deceased estate, ensuring the deceased’s heir’s receive value for the business and the surviving partners can continue the business.
Business Continuation Planning
Where a business is dependent on the expertise and input of an employee to run properly and that person dies or is disabled the business will need cash deal with the disruption and financial loss including to replace the lost turnover and recruit and train a replacement. Accolade provide life policies to ensure that the cash is available to the business in order to make up for loss of a valuable staff member.
Group Life Cover
Company protection plans for the employees to ensure money is available to their families in the event of their death and for the employee on their disability or to replace salaries should they be unable to work either temporarily or permanently as well as following diagnosis of a dread disease. Funeral cover is also an option valued by Staff.
Commercial Insurance
We provide cover for a business to ensure that their assets are protected in the event of the loss of premises, office equipment, business interruption, data, vehicles and any other item of value which, if lost, would damage the wealth of the business. We also provide protection against third party claims and loss of income.
Loan Account Protection and Redemption
Where a business has been lent money by a shareholder we utilise a life policy to allow settlement of the loan in the event of the shareholder’s death or disability.
Retirement Funds
A tax efficient retirement plan designed to ensure employees can afford to retire comfortably at retirement age.
Our outstanding Personal Services
At Accolade our clients are typically high net worth individuals and / or owners of businesses but we will assist all individuals in need. We present unique solutions to the complex financial needs of our clients which has necessitated high levels of expertise in the following areas of financial planning:
Investment Planning
We assist our clients with an investment plan ensuring that wealth will grow over time. Our ultimate objective is for our clients to end up as millionaires.
Retirement Planning
We assist our clients with their retirement planning ensuring that they can afford to retire comfortably at retirement.
Protection of Personal and Family Interests
Where the breadwinner in the family dies or is disabled and can no longer work, we provide cover to ensure that the family has enough money to continue to live in the same lifestyle they are accustomed to. We assist with the investment of the money ensuring that a monthly income required to meet family needs is achieved.
Domestic Insurance
We provide cover to ensure that our clients’ assets are protected in the event of the loss of their homes, vehicles, home contents, jewellery, laptops, cell phones and any other valuables as well as 3rd party claims.
Wills and trusts
We have partnered with major fiduciary service companies to ensure our clients have efficiently drafted Wills. There is no charge for this value added service.
Our partners
At Accolade we value our independence. Careful selection of appropriate life assurance, investment companies and medical aid administrators has been made, in order to procure the product range that best suits the complex needs of our clients. We currently have business contracts with the following companies:
We at Accolade believe that the above business partners offer sophisticated products and unparalleled levels of service that we are then able to match to the needs of our clients. We are paid commissions from the above companies as and when we place business.
Our Location
Suite 3, Ferndale Mews, 15 Dover Street, Ferndale, Randburg, 2194
Mon to Thu: 08:00-16:30
Fri: 08:00-14:00
Sat to Sun: Closed
Public holidays: Closed
Contact details
All brokers are available at all hours to meet our clients’ needs.
Telephone: +27 (0) 11 326 0010
enquiries@accolade.co.za
PO Box 783805, Sandton, 2146
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