About PlanDirect Plandirect is an initiative by Wikus Pretorius, an experienced financial advisor who uses the technology to develop tools to assist more people to make informed decisions regarding personal financial planning solutions, when searching online for financial service solutions. A few important factors that Wikus believes you should keep in mind when shopping online for a financial services solution, are touched on this page. Should you need more information you are welcome to contact Wikus. Finding the best solution! It often happens that people gossip about the best product, fund or company, referencing irrelevant facts, data or historical insignificant events to make their assumptions. Finding the solution that will work the best for you in your unique situation, requires much more than gossip! On this webpage I will give you a few pointers to consider before making decisions that could potentially ruin your family or business’s future!   Unique individuals require unique solutions! If you consider different people’s income, expenses, personal health, life dreams, personal risks, family risks, business risks, etc., you will realize that everyone’s circumstances are unique. It is then also obvious that one solution can’t be the best solution for all the different people’s needs. However, if you consider the different advertisements for financial service solutions, it is not so obvious that it requires serious analyzing of your personal circumstances and the solutions on offer, to see whether your need and the solution offered are in alignment! You don’t want to find out that your product does not cover your specific need when you have a claim event!   Benefits directly related to premium! I can’t emphasize enough how important it is to realize that the benefits that you enjoy, on different financial services products, is closely corelated to the premium you pay. Although the benefit could have the same name at different providers, the definitions and T&C’s could differ considerably. It is impossible for one company to be much cheaper than another company if the same rating detail is used for the same risk in the same geographical location applying for the same benefit? Should I say more? – Stop shopping around for the cheapest premium and use a professional to calculate and use their experience to align your needs to a product that was developed to address a similar need. The cost of using a professional Be very wary of companies that use the marketing angle of cutting out the middle man and saving on commissions! With all my experience I am yet to find a solution where this rings true! I have never met a client that followed the cheaper route, where I could not beat his premium with similar or better benefits and/or benefit descriptions, at a better premium! Considering that a financial planner will use his expertise to quantify your need and align your need to a product that will address your unique need, it is a no brainer if you should use an experienced financial planner willing to assist you on your preferred . How do you prefer to find your solution? If you consider how fast the business environment, and more specifically the technological environment and the users there off is changing, you can understand why more and more people prefer finding solutions online. It is just so much faster and easier to find solutions online. Plandirect, however, will help you to combine the best of two worlds according to your individualized unique needs. On this website you will find calculators that will immediately give you answers and information re. whether you have a need and how to approach the solution finding process, considering your preferred way of doing business. You will have access to qualified, experienced advisers that will assist you to find the correct solution, whether you prefer a face-to-face -, skype – or an online only approach.  

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