Financial Clarity Review™

The review assesses how your existing arrangements work together towards your objectives. It concludes with a written report. You can use that report while retaining your existing adviser; there is no obligation to appoint ClearGauge afterwards.

Once-off review fees: Foundation from R10,000 · Strategic from R15,000

We first confirm whether the review is appropriate, its scope and the once-off fee before any work begins.

When a review may help

You may be approaching retirement, considering a business sale or dealing with several accounts, advisers, trusts or local and offshore assets. The review is for questions where those arrangements need to be considered together before deciding what to change.

What the report covers

The contents depend on the questions and scope agreed at the outset. They may include:

• A summary of your current financial position and strategy.
• Asset allocation, local and offshore exposure, liquidity and the combined costs of investments, platforms and advice.
• Concentration, unnecessary complexity or risks that deserve attention.
• Key observations and recommended priorities.
• Matters requiring specialist legal, tax, accounting or fiduciary input.

Where agreed, the report may include illustrative planning scenarios using documented assumptions. They explore possible outcomes and are not forecasts or guarantees. A review may also confirm that an existing arrangement remains appropriate.

See an example Wealth Map

ClearGauge Life File

Important records and clear next steps.

When one person looks after most of the financial administration, it can be difficult for someone else to know where to start. Where included in your agreed review scope, a Life File helps you and the person you choose find important information and understand what needs attention.

• A record of where things are. An index of relevant documents, their locations and the people to contact.
• Questions made visible. Missing information and matters needing an update or specialist review, with an owner and next step.
• A practical explanation. A walkthrough of the record, including your spouse or chosen helper where agreed.

Which records could it cover?

• Wills and family records: current signed wills, original locations, relevant marriage and dependant records, living wills and healthcare instructions.
• Policies and benefits: life and disability cover, policy schedules, cessions, retirement benefits and beneficiary nomination records.
• Assets and household arrangements: banking, investments, property, debts, essential payments and authorised access arrangements.
• Trusts and businesses, where relevant: deeds and amendments, current authority records, trustee contacts, ownership and succession agreements.

Finding a document does not confirm its legal validity or give someone authority to act. Legal drafting, specialist confirmation and substantial document organisation require separately agreed work. The index records locations and contacts; it is not a password store.

See an illustrative Life File →

How it works

1. Start the conversation. Tell us what prompted your enquiry. Detailed financial information is not requested through the initial form.
2. Confirm fit and scope. We agree the questions, work and once-off fee before beginning.
3. Receive an independent view. We review the agreed information and provide your written report.
4. Choose the next step. You may retain your existing adviser, act independently or discuss ongoing advice with ClearGauge.

Fees and professional boundaries

The Financial Clarity Review is a separately scoped, once-off engagement. Its fee is separate from the ongoing advisory caps below and any third-party charges.

ClearGauge is not currently registered for VAT, so VAT is not added to its advisory fees. A review fee may be credited against first-year advisory fees if an Ongoing Advice appointment follows, subject to the scope and terms agreed. It is not an automatic entitlement.

The review is conducted from an investment and financial planning perspective. ClearGauge does not provide legal, tax or accounting advice; the report can identify matters to discuss with the relevant specialist.

See the current fee schedule and terms

A separate, optional relationship

Ongoing advice. A clear advisory-fee cap.

Your review stands on its own. If you later want ongoing financial planning and portfolio oversight, we agree the service, tier and terms separately.

Foundation Advisory

0.75% a year below R8 million, capped at R5,000 a month from R8 million.

R60,000 a year at the current cap.

Strategic Advisory

1.00% a year below R9 million, capped at R7,500 a month from R9 million.

R90,000 a year at the current cap.

These are ongoing ClearGauge advisory caps, not the once-off review fee or an all-in investment cost. Platform, investment-management, product and other third-party charges may apply separately.

Annual amounts are twelve monthly caps at current rates. Monthly caps are reviewed annually in March; changes are communicated in advance and applied under the agreed terms. Future changes are not included. The percentage fee applies again if the relevant portfolio value falls below the threshold. The tier reflects scope and complexity; exceptionally complex arrangements may be individually scoped.

Use the advisory fee calculator →

Arrange an ongoing-advice consultation →