Hi, I do holistic planning for individuals and explain the downside and upside of each product offering. I market Discovery, Momentum, Sanlam, Fedsure, Genric, Capital Legacy. I also market Liberty and Bonita's. Vitality and Multiply. I gather all your information from your existing plans and review them. I do my very best to save you on monthly premiums as well as increase your cover. I do monitor your investments but cannot guarantee the market fluctuations. I am open, trustworthy and hope you will use my services. My company is Moneypenny Financial Services established in 2009 and I am an IFA. I am registered with the FSP and hold full accreditation. http://www.******.***