Andre Moreby Financial Advisory Services

19/10/2021

It’s never too early to check that your insurance policies cover festive season risks

It’s hard to believe, but we are fast approaching the end of 2021. With the holidays in sight, many of us are looking forward to a break, especially after December plans were derailed last year. Making the most of a well-deserved hiatus this summer is fast becoming a priority to-do list item.

“Unfortunately, as soon as you leave your home for an extended period, risks tend to materialise. While it’s not pleasant to think about, the fact is that for some people, returning home after finally getting the chance to escape on a hard-earned holiday, will not be a pleasant homecoming. Worse still, is having your holiday cut short by a call bearing bad news. What many people don’t realise, is that they need to put the appropriate measures in place well before their planned break.”

Contact your Hereford Financial Advisor for more information.
[email protected] | www.herefordgroup.co.za




Read the full article: https://lnkd.in/dx2WvkPC

14/10/2021

You’re already paying for advice

Did you know that whether or not you use a healthcare broker to advise you on your medical aid matters, you are probably paying for one if your scheme pays broker/adviser commission? Their fees are incorporated into most medical aid premiums and you do not get a discounted premium if you do not use a broker. It therefore makes sense to take full advantage of a healthcare broker’s advice and assistance.

A good healthcare adviser can advise you on:

a suitable benefit option offered by one of the country’s open medical schemes.
gap cover.
primary care.
occupational health.
healthcare insurance-type products.

The Hereford Group offers a variety of Financial health care products and sound advice by qualified Healthcare Advisors. For more information contact [email protected] | www.herefordgroup.co.za



Read the full article : https://lnkd.in/dCeuVHNj

19/08/2021

The difference between a living Will and a last Will and testament

Sometimes family members face a difficult situation when a decision has to be made about a loved one in circumstances in which they are not able to make informed decisions and give their consent regarding medical treatment.
To save your loved one from the emotional trauma of having to make that call, you can have a living Will drafted and duly signed.

Talk to your Hereford Financial Advisor about the drafting of a Will & living Will. [email protected] | www.herefordgroup.co.za

Read the full article: https://lnkd.in/d-WB8wm4

19/08/2021

Lifestage financial planning for women
Seven life stages that many women face together with a set of financial planning considerations relevant to each.
• First job and career-building
• Marriage or partnership
• Child-bearing and caring
• Raising children to adulthood
• Independent children and elderly parents
• Gearing for retirement
• Preparing for old age

Your Hereford financial adviser can assist you with planning for the different stages of your life according to your individual need as a woman. [email protected] | www.herefordgroup.co.za


Read the full article: https://www.moneyweb.co.za/financial-advisor-views/lifestage-financial-planning-for-women/

24/06/2021

The importance of risk cover and mitigating risk when planning for retirement

There are a number of risks that investors face on the path to accumulating sufficient retirement assets. From one’s first paycheque to the date of formal retirement, it is likely that life will not follow a predictable trajectory, but will rather involve a series of curveballs, missteps and errors. In addition to investing enough to ensure that one is able to retire comfortably, effective planning should include identifying potential risks to your retirement funding and putting appropriate mechanisms in place to mitigate these risks.

To read the full article : https://lnkd.in/gRkEted

Contact your Hereford Financial Advisor to discuss your retirement, risk strategy. [email protected] | www.herefordgroup.co.za

20/06/2021

https://www.linkedin.com/posts/hereford-group_family-fathersday2021-herefordgroup-activity-6812245059904278528-83L6

Happy Father's day from the Hereford Group. The quality of a father can be seen in the goals, dreams and aspirations he sets not only for himself, but...

02/06/2021

Why medical aid should be important to millennials

Millennials may question the need to have medical cover, as they consider themselves to be fairly healthy, active and may not have existing chronic medical conditions.

Illness or medical emergencies are not planned, they occur whether you are young or old and may leave a big dent in your finances. It is therefore essential to consider a medical plan that will suit your life stage and pocket.

Your Hereford Financial Advisor can assist you in selecting the correct Medical Aid.

[email protected] | www.herefordgroup.co.za



Read the full article: https://lnkd.in/dAjqFTH

02/06/2021

How to catch up your retirement savings.

If you’re behind in your retirement savings, the thought of trying to catch up – especially as you near retirement age – may appear overwhelming and seemingly impossible. Most retirement advice reiterates that, in order to achieve a comfortable retirement, you need to start saving with your first paycheque and remain invested, uninterrupted, until your desired retirement age.

Speak to your Hereford Financial Advisor to help you put a "catch-up" plan in place, while while you still have time.
[email protected] | www.herefordgroup.co.za



https://lnkd.in/dpUaPQ7

31/03/2021

Financial planning in your 40s

It is during this decade that many forty-somethings start to neglect their finances in the hopes that they can re-visit their financial planning when life quietens down. It’s during these years that some mistakes can be made which may have far-reaching effects on your longer-term financial planning. Here is what to look out for.

Contact your Hereford Financial Advisor a obligation free review of your portfolio. [email protected] | www.herefordgroup.co.za

20/03/2021

18/03/2021

https://www.linkedin.com/posts/hereford-group_herefordgroup-financialplanning-divorce-activity-6778029867146452992-1srJ

Divorce and your retirement savings in South Africa Although the official statistics for South Africa’s divorce rate during Covid-19 are yet be released...

14/03/2021

https://www.instagram.com/p/CMY6sE6jTz9/?igshid=eftyqav3je3s