SIR Group

Worldwide and offshore Wills
Make sure you have the correct Will to cover your offshore assets.
Your Last Will and Testament gives instructions to the appointed Executor on how you wish for your Estate to be distributed after your death. In other words, who will inherit what? But what if you live in South Africa and own a property in another country or have other offshore assets? You will need to consider each country’s relevant jurisdiction in terms of the laws on inheritance and how they apply tax, as not all countries have the same laws.

Brad Webb: 083 665 0388 / [email protected]
Aileen Borrajeiro 083 844 3123 / [email protected]

www.sirgroup.co.za

Wishing you and your family a Happy Easter from the team at SIR Group 🐰

Ground Floor, Warne House, 7 Garlicke Drive, Ballito, KwaZulu-Natal
Office: +27 87 234 9550 | [email protected]
www. sirgroup.co.za

Who will take care of the school fees if you pass away, become severely ill or impaired? We are dedicated to ensuring your child’s continued education and care.

✔️ School fees
✔️ School clothes
✔️ Stationery
✔️ Sporting equipment
✔️ Food
✔️ Transport
✔️ Tertiary education

Brad Webb: 083 665 0388 / [email protected]
Aileen Borrajeiro 083 844 3123 / [email protected]

A financial plan is a comprehensive picture of your current finances, your financial goals and any strategies you’ve set to achieve those goals. Good financial planning should include details about your cash flow, savings, debt, investments, insurance and any other elements of your financial life.
Get in touch with our professional team today!

Ground Floor, Warne House, 7 Garlicke Drive, Ballito, KwaZulu-Natal
Office: +27 87 234 9550 | [email protected]
www. sirgroup.co.za

What information is included in a Will?

Who your Beneficiaries are: your Will stipulates who will benefit from your Estate and what portion of your Estate you bequeath (give) to them

Whether a Testamentary Trust should be created for Beneficiaries who may be Minors at the time of your death

Who the Trustees should be if you do require a Trust to be set up

Who the Guardians of your minor Children should be

Who the Executor of your Estate should be

Your last wishes, such as whether you want to be buried, be an organ donor, etc.

Brad Webb: 083 665 0388 / [email protected]
Aileen Borrajeiro 083 844 3123 / [email protected]

Retirement planning isn’t just about saving money - it’s about creating a lifestyle that you’ll love in your golden years. Let us help you create the retirement you’ve always dreamed of.

Administered through subsidiary, Managed Risk Solutions, a licensed service provider, FSP 48316.

Ground Floor, Warne House, 7 Garlicke Drive, Ballito, KwaZulu-Natal
Office: +27 87 234 9550 | [email protected]
www. sirgroup.co.za

INVEST IN YOUR FUTURE!
We’re a team consisting of professional financial advisers that understands the challenges ordinary South Africans face. We understand that everyone has different financial goals that are important to them - that’s why we provide them with end-to-end solutions for their different life stages. Using our unique financial wellness framework, we can provide holistic financial solutions.

Ground Floor, Warne House, 7 Garlicke Drive, Ballito, KwaZulu-Natal
Office: +27 87 234 9550 | [email protected]
www. sirgroup.co.za

Administered through subsidiary, Managed Risk Solutions, a licensed service provider, FSP 48316.

Retirement planning isn’t just about saving money - it’s about creating a lifestyle that you’ll love in your golden years. Let us help you create the retirement you’ve always dreamed of.

Administered through subsidiary, Managed Risk Solutions, a licensed service provider, FSP 48316.

Ground Floor, Warne House, 7 Garlicke Drive, Ballito, KwaZulu-Natal
Office: +27 87 234 9550 | [email protected]
www. sirgroup.co.za

Today be thankful and think how rich you are. Your family is priceless, your time is gold, and your health is your wealth. “
Zig Ziglar

SIR Group is aligned with the largest registered Medical Schemes, GAP Cover providers and Retirement Fund administrators in the industry. We provide Corporate & Individual Healthcare Consulting, One on one engagement with staff, Wellness Programmes and Wellness Days, Support and advice on the proposed Group Risk Benefits, Support, and advice, with respect to the Retirement Fund and GAP Cover options.
Administered through subsidiary, Managed Risk Solutions, a licensed service provider, FSP 48316.

Ground Floor, Warne House, 7 Garlicke Drive, Ballito, KwaZulu-Natal
Office: +27 87 234 9550 | [email protected]
www. sirgroup.co.za

Your Last Will & Testament is the most important document you’ll ever sign. SIR Group is in partnership with SA’s #1 Wills & Estates Specialists, why entrust your legacy with anyone else? Contact us today to book your complimentary Will-drafting consultation: Brad Webb: 083 665 0388 or 083 844 3123 / [email protected]
Aileen Borrajeiro 083 844 3123 / [email protected]

BUILDING TECHNOLOGIES
Property efficiency and development solutions.
Preferred procurement, solar solutions, security & technology solutions and best efficiency practices, drive down the costs of property management, development and redevelopment.

Ground Floor, Warne House, 7 Garlicke Drive, Ballito, KwaZulu-Natal
Office: +27 87 234 9550 | [email protected]
www. sirgroup.co.za

Let's start planning your financial future today!

www.sirgroup.co.za

SIR Group is looking for a vibrant Junior receptionist to join our office in Ballito.

Please send a Short 2-page CV to [email protected].

"Being deeply loved by someone gives you strength, while loving someone deeply gives you courage." Lao Tzu

www.sirgroup.co.za

PROPERTY FINANCE
Property finance including the acquisition of existing properties; facilities for residential, commercial, retail or mixed used developments; recapitalization of existing property portfolios to unlock capital and co-development models where financiers would take an equity stake in a project.

Ground Floor, Warne House, 7 Garlicke Drive, Ballito, KwaZulu-Natal
Office: +27 87 234 9550 | [email protected]
www. sirgroup.co.za

BUSINESS FINANCE SOLUTIONS
Business funding solutions are facilities secured against debtors, work in progress, historic turnover and future cashflows provided in the form of overdraft facilities, term loans, revolving credit facilities and guarantees. Bridging finance facilities are short-term, arranged very quickly and supported by a predetermined exit/repayment strategy such as a VAT reimbursement or sale of an asset. Guarantees are used to enhance other lending, secure a creditor /debtor or simply to de-risk a project for the client and financier/investor. All facilities are required to be reviewed annually where the financial institution will ensure that the position of the borrower is similar or better than at the time the loan was initially approved. These financial covenants need to be adhered to or the loan facility can be reduced. We can assist in the review process by handling the negotiations between the financial institution and the client.

Ground Floor, Warne House, 7 Garlicke Drive, Ballito, KwaZulu-Natal
Office: +27 87 234 9550 | [email protected]
www. sirgroup.co.za

5 consequences of not having a valid Will:

1. Your children’s inheritance could pass onto the Guardian Fund, run and managed by the government, rather than to a trust that will ensure your wishes are carried out.
2. You forfeit the opportunity to decide who inherits and your Estate is distributed according to SA Law.
3. Your partner may be left with nothing if you are not married or your Will is not updated from a previous marriage.
4. Family feuds often occur when family members don’t agree on the distribution of your Estate if you don’t have a clearly documented Will.
5. Winding up your Estate can take years, especially if you have not appointed a professional Executor, leaving your loved ones without their inheritance.
Ground Floor, Warne House, 7 Garlicke Drive, Ballito, KwaZulu-Natal
Office: +27 87 234 9550 | [email protected]
www. sirgroup.co.za

Financial advisory and intermediary services are facilitated through an Independent Financial Advisory Practice (Managed Risk Solutions FSP 48316)

We’re a team consisting of professional financial advisers that understands the challenges ordinary South Africans face. We understand that everyone has different financial goals that are important to them - that’s why we provide them with end-to-end solutions for their different life stages. Using our unique financial wellness framework, we can provide holistic financial solutions.

Ground Floor, Warne House, 7 Garlicke Drive, Ballito, KwaZulu-Natal
Office: +27 87 234 9550 | [email protected]
www. sirgroup.co.za

Happy New Year!

Instead of trying to change your entire life in January, the simpler strategy is to adopt a 12-month plan where you're making constant improvements.
S. J. Scott

We wish you and your loved ones a safe and happy Festive Season and everything of the best in the new year 🥳
Please note that our offices will be closed until 9 January 2023

Ground Floor, Warne House, 7 Garlicke Drive, Ballito, KwaZulu-Natal
Office: +27 87 234 9550 | [email protected]
www. sirgroup.co.za

Be safe and make sure you have everything checked 🚗🚌✈️🚄

Ground Floor, Warne House, 7 Garlicke Drive, Ballito, KwaZulu-Natal
Office: +27 87 234 9550 | [email protected]
www. sirgroup.co.za
Financial advisory and intermediary services are facilitated through an Independent Financial Advisory Practice (Managed Risk Solutions FSP 48316)

SIR Group is aligned with the largest registered Medical Schemes, GAP Cover providers and retirement fund administrators in the industry.

Ground Floor, Warne House, 7 Garlicke Drive, Ballito, KwaZulu-Natal
Office: +27 87 234 9550 | [email protected]
www. sirgroup.co.za

Financial advisory and intermediary services are facilitated through an Independent Financial Advisory Practice (Managed Risk Solutions FSP 48316)

Quality-driven Advice.
Given the complexities of the ever changing landscape around the healthcare and retirement fund environment in South Africa, SIR Group have the capabilities to render advice and assistance to Corporates and Individual clients alike.

Ground Floor, Warne House, 7 Garlicke Drive, Ballito, KwaZulu-Natal
Office: +27 87 234 9550 | [email protected]
www. sirgroup.co.za

Financial advisory and intermediary services are facilitated through an Independent Financial Advisory Practice (Managed Risk Solutions FSP 48316)

Fantastic day our with the team at the Ballito Neighbourhood Watch Potjie Day! Great initiative and great seeing such strong support from our community.

𝗚𝗲𝘁 𝘁𝗵𝗲 𝗿𝗶𝗴𝗵𝘁 𝗰𝗼𝘃𝗲𝗿 𝗳𝗼𝗿 𝘆𝗼𝘂𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀!
Given the pervasiveness of connected devices, every organisation with an internet connection is potentially at risk of cyber attack. This is forcing businesses around the world, which lose trillions of dollars every year to cyber crime, to look beyond actual breach to the protection beyond.

Ground Floor, Warne House, 7 Garlicke Drive, Ballito, KwaZulu-Natal
Office: +27 87 234 9550 | [email protected]
www. sirgroup.co.za
Financial advisory and intermediary services are facilitated through an Independent Financial Advisory Practice (Managed Risk Solutions FSP 48316)

If your organisation is seeking to adopt an aggressive and preemptive approach to cyber security, cyber insurance is an invaluable addition to your risk management arsenal. While you might not be able to prevent a cyber attack outright, you can be prepared to contain the impact it can have on your business.

Ground Floor, Warne House, 7 Garlicke Drive, Ballito, KwaZulu-Natal
Office: +27 87 234 9550 | [email protected]
www. sirgroup.co.za

Financial advisory and intermediary services are facilitated through an Independent Financial Advisory Practice (Managed Risk Solutions FSP 48316)

Your physical perimeter was once your business’s primary security concern, as was ensuring the safety of your physical assets. With the onset of the internet age, information and other digital assets now require a similar level of risk assessment and mitigation. Without proper cover, a single cyber incident could result in catastrophic repercussions for your business.

Ground Floor, Warne House, 7 Garlicke Drive, Ballito, KwaZulu-Natal
Office: +27 87 234 9550 | [email protected]
www. sirgroup.co.za

Financial advisory and intermediary services are facilitated through an Independent Financial Advisory Practice (Managed Risk Solutions FSP 48316)

Protecting Digital Assets
Did you know that cyber attacks can happen from anywhere in the world and nobody can protect you from this?

Office: +27 87 234 9550 | [email protected]
www. sirgroup.co.za
Financial advisory and intermediary services are facilitated through an Independent Financial Advisory Practice (Managed Risk Solutions FSP 48316)

We offer a range od Value-added Products for your vehicle...

Mechanical Breakdown Warranties
Tyre and Rim Warranties
Theftbuster Plus
Body Maintenance Plans
Interior Maintenance Plans
Service and Maintenance Plans
Shortfall & Credit Life Plans
Vehicle Finance

Ground Floor, Warne House, 7 Garlicke Drive, Ballito, KwaZulu-Natal
Office: +27 87 234 9550 | [email protected]
www. sirgroup.co.za

Financial advisory and intermediary services are facilitated through an Independent Financial Advisory Practice (Managed Risk Solutions FSP 48316)