A trusted financial adviser can help you unlock a world of investment opportunities

Appointing an appropriately authorised financial adviser, is a big step forward in achieving and embracing a confident financial future.

Whether you’re starting your investment journey, saving for retirement, or planning for a sustainable retirement income, Glacier offers opportunities across local and international markets.

• Click here to learn more about Glacier.

Glacier International provides direct access to offshore investment opportunities, with solutions specifically designed to meet the needs of South African investors. Partnering with a trusted financial adviser can help you unlock a world of investment opportunities and reach beyond the ordinary with Glacier.

The value of advice

In a recent Sanlam Online Tracker Survey[1], more than 60% of respondents were worried about retiring comfortably or having enough to pay the bills, while around 50%:

• constantly think about their financial situation and try and figure out their best options through online research;
• use a broker or financial adviser;
• find an intermediary valuable as they take a holistic view of their clients’ finances;
• like their intermediary to review their financial plan every year.

Here are three reasons why appointing a financial adviser is a good idea:

1. You’re probably emotionally attached to your money. You work hard and obviously you have emotional attachment to the money that you earn and have saved. Emotions are linked to your heart, which often is not where the best decisions are made regarding your finances. Good financial planning requires a head with objectivity and logic, that is not clouded by anxiety, fear and emotional noise.
2. A good financial plan takes an objective, holistic view of your life. A good[2] financial plan takes into account every aspect of your life at a point in time. That’s why it has to be reviewed every year as your circumstances change or you move to the next stage of your life.  You will have unique financial needs and goals during every period of your life, and your financial plan needs to cater for all of them. A holistic financial plan includes, among others, a financial needs assessment, a budget, an emergency fund, saving for goals, a will, a debt management plan, and retirement and tax planning.  
3. Your adviser can help you unlock a world of investment opportunities that you may not even know about.  These could include local and offshore investment options, investment solutions suitable for goal-driven savings, solutions with certain guarantees, and blended investment solutions for retirement income purposes. Your adviser will take into account your needs, goals and appetite for risk to determine the most appropriate blend of investment solutions for you.

Your path to financial freedom starts here

At Glacier, we believe in empowering clients to unlock their financial potential. Whether creating or preserving wealth, our trusted team is here to guide you every step of the way. Visit Sanlam Money Meetups and find your perfect partner to accompany you on your journey to financial confidence.

To learn more about Glacier, click here.

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About Glacier by Sanlam

Glacier by Sanlam is your trusted partner in unlocking infinite investment opportunities. As the largest linked investment service provider, we have led the way in meeting the diverse needs of South Africans for over 27 years. Our extensive range of local and international solutions empowers investors to create, grow, and preserve their wealth. Through innovative products and expert advice, we offer infinite opportunity to achieve financial success.

Glacier Financial Solutions (Pty) Ltd is a licensed financial services provider.
Sanlam Life Insurance Ltd is a licensed life insurer, financial services and registered credit provider (NCRCP43).

[1] Sanlam Online Tracker Survey, August to September 2023
[2] A financial adviser can add more than 4% to a client’s portfolio as a result of, among others, client assessment, asset allocation and behavioural coaching (Blanchett, D., Kaplan, P. (2013). Alpha, Beta and Now…Gamma. Retrieved from https://jor.pm-research.com/content/1/2/29.abstract)