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Francois du Toit


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Tomorrow's Leader Nominee 2013
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Francois du Toit


Currently resides in: Gauteng, South Africa

Born 22-08-1975 in Hennenman South Africa

During my 16 years in the industry I have noted certain aspects that remain a concern for me. It caused me to do serious introspection to determine what I truly believe and where I fit into the Financial Planning Universe. The results follow.

What is it I do? I practice Financial Planning Law and I provide advice to people which come with full accountability and a degree of risk. That is the crux of what I do.

I studied, gained experience and became certified. I belong to a professional body and adhere to high standards of ethics as would be expected from any other profession.

Currently we are remunerated by commission models when implementing a product. This may lead to conflicts of interest when proposing solutions. At the moment we do not get paid anything for the professional advice that was provided or the work that was done in the course thereof, unless we implement a product.

After careful consideration I have decided to convert my practice to a Fee Based Financial Planning Practice.

This means that I:

1. Provide one complimentary meeting to explain our process, explain our fees and to allow you the opportunity to decide if we will in fact add value to you.
2. Charge fees for providing advice.
3. Charge fees for implementation of advice.
4. Charge fees for providing service.

The benefits for our valued clients and prospective clients are:

1. Truly independent advice that is in their best interest.
2. No conflict of interest.
3. Peace of mind.
4. No lock-in or penalties to clients, that leave them free to leave when they want.
5. They pay for what they need, nothing else.

Next time you see a financial adviser advertising or telling you that they do a FREE financial needs analysis, ask yourself: "If the analysis is free, is it not just a way to sell me something?".

Contact details

O: 0116609915

M: 0832758368

Web presence

Business Address

5 Jacob Mare Avenue, Krugersdorp, South Africa, 1739

Professional details

Current Position(s)

Independent Fee Based CERTIFIED FINANCIAL PLANNER Profesional | Self Employed
Krugersdorp, South Africa | 2013 - present

Accounting, Banking and Finance

I provide independent financial planning advice in all areas from business to personal on a fee basis.

Planning areas we focus on include:

Estate Planning, Strategy and Wills;
Investment Planning and Strategy;
Retirement Planning and Strategy;
Personal Risk Management Strategy;
Business Succession and Protection of Personal Estate.

We have a professional network of specialists in the following areas:

Professional Accountants;
BEE Verification Specialists;
Short Term Specialist;
Healthcare Specialist;
Attorneys and Trust Specialists;
Estate Administration Specialists.

Our product is Independent Advice based on professional ethics, knowledge, integrity and service.

Previous Position(s)

Business Executive | Discovery Holdings
2012 - 2013

Accounting, Banking and Finance

Build and manage a team of highly skilled Financial Advisers.

Manager: Strategic Accounts (Banks) | Liberty Life
2011 - 2012

Accounting, Banking and Finance

Relationship manager for Nedbank, FNB and ABSA. To engage with the 3 Banks on a strategic level in order to assist in growing their Financial Planning Business, help create sustainable business models and maximise Liberty's relationship with them.

Executive Consultant: Sales | Liberty Life
2011 - 2011

Accounting, Banking and Finance

Support Independant Financial Advisers with:

- Market life assurance and investments to Independant Financial Advisers
- Practice growth and management
- Staying ahead of changes in legal and regulatory environment
- Financial Needs Analysis for their clients
- Training in all relevant areas of the profession

Branch Manager | Liberty Life
2008 - 2011

Accounting, Banking and Finance

Managed team of 6 Broker Consultants and a budget of approxiamtely R 2 mil per annum.

Serviced +- 100 Independant Financial Advisers in the branch.

Formulated strategy and implementation plans to achieve set goals.

Executive Broker Consultant | Liberty Life
2004 - 2008

Accounting, Banking and Finance

- Marketing life assurance products and investments to Independant Financial Advisers
- Manage and issue all new business
- Resolve client complaints and queries
- Relationship based marketing

Educational history


University of the Free State/Universiteit van die Vrystaat

2011 - 2011

Postgraduate Diploma in Financial Planning - Financial Planning

Hoerskool Hennenman

1989 - 1993

Matric / Grade 12



The South African Institute of Tax Practitioners

Tax Technician (SA), 82013 - present

Financial Planning Institute of Southern Africa

CFP Professional, 12006 - present

Other Activities

Scale Model Building

Building and painting of scale plastic models, 82011 - present

I build plastic scale models in different genres such as aircraft, armour, cars, trucks, etc.

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