"More people should learn to tell their pennies where
to go instead of asking them where they went."
Jay Ramsunder Financial Advisors is a registered FSP that provides financial and tax advice, and related financial products and services. Our executive management team has accreditation, experience & expertise to offer expert advice and value-added services in risk & investment products. We cater for both personal & business requirements.
We start with a comprehensive financial & needs analysis. From there, we create a plan to cater for ALL your financial needs & objectives. Generally speaking, we categorise your needs into four broad segments. These are:
Any insurance, other than life insurance, can be considered as short-term insurance. Short term policies, on the other hand, are only taken out for the period of necessity. This is a policy that provides coverage for a limited period of time. Car insurance is a good illustration. You aren’t likely to own and insure just one car for your entire lifetime. Your insurance will be only for the time you own that specific vehicle, however long or short that might be.
Short-term insurance provides protection against various types of risks such as:
Short term policies basically apply to the possessions you might want to insure for limited periods of time. Some examples of short term insurance services we offer are:
If you’re looking for comprehensive, affordable and effective short term insurance, we have the policy…
Our personal risk services starts with a comprehensive analysis of your current and projected (future) or whole-life financial needs. We ask, and then help you answer the hard questions. What would happen if you died? How then would your family & dependents be taken care of? In essence, how much would your family need if you died today? What will the amount be in five years time, or at any point in the future?
The same questions apply if you’re unable to work or earn an income. What happens in the event of temporary or permanent disability? Do I have enough to make the necessary adjustments to my home & vehicle? Will I then have an income to sustain a good quality of life? What happens if I’m affected by a serious or terminal medical condition?
Very often, the solution to the hardest questions are relatively simple. All it comes down to is starting the conversation. More importantly, is having the conversation with the right people who can help do something constructive to address these issues. That’s why you should be talking to us…
Managing a business successfully is not an easy task. The job is often challenging and can be lonely at times. This is more so if you are a key decision maker. Often, a business stagnates because the same problems reoccur, and old growth patterns remain. Even established businesses sometimes lack the necessary resources to grow, and need to get external strategic support, expertise and objectivity.
We stay abreast of developments and the frequently changing rules & regulations in the business sector. As a result, you have a clear and full understanding of the regulatory environment you work in. This then enables you to make the right decisions in your business, with confidence.
Firstly, we understand that your business is unique. Therefore, we tailor our services according to your needs. Our team can create a structured business & finance plan that aligns with your business growth targets. We also work with you to meet your asset & cashflow financing, and raise finance where & when required.
Secondly, we know that tax law, regulation and tax efficiency are complex areas for any business. Taxes, in their various forms, constitute a major business cost. We work with you to legitimately minimise your tax burden.
Our Tax & Business Advisory service provides the best solution to these challenges.
As we approach the holiday season, vacations and time away from home become more frequent. However, amidst the excitement of travel and festive activities, it’s
Load shedding has become an all too familiar disruption. The inconvenience & economic impact of power outages have left many searching for solutions that can
Recent developments in short-term insurance have introduced a concerning trend: short-term insurance exclusions based on grid failure from policies. Our blog examines this trend, what