HOLISTIC

personalised, actively-managed financial planning

COMPANY BACKGROUND

Integral was established in 2015 by a team of like-minded professionals with broad experience in the investment and financial planning industries. Our aim is to provide the best possible services, advice, products and administration at an affordable price. Staff objectives are aligned to the success of the business, which is dependent on a loyal client base. Each client deserves a financial plan that is personalised and actively managed to enable them to live the lives they deserve. Full disclosure and high ethics are integral to who we are.

Although we are based in Johannesburg, we have clients across SA and Africa, as well as clients residing in the UK and Europe.

Lara Warburton

Managing Director

“In matters of style, swim with the current; in matters of principle, stand like a rock” (Thomas Jefferson)

Qualifications: BCom Honours, H Dip Tax, Post Graduate Diploma in Financial Planning

Experience: 24 years

Specialisations: Local & International Investment, Wealth management, Risk & Health

Mark Cunningham

Senior Financial Planner

“Live for today, Love for Every Lifetime”

Qualifications: BCom, Advanced Post Graduate Diploma in Financial Planning

Experience: 26 years

Specialisation: Risk, Retirement & Estate Planning, Personal Investments, Estate Administration

Rudi Siggemann

Financial Advisor

“I like the challenge of providing good value to family and clients”

Qualifications: FCII

Experience: Industry experience – Administration 26 Years, Financial Advice 15 years

Specialisation: All-round financial service - provide correct advice on investments, pre-and post-retirement plans, risk covers and medical aid cover

Michael Frantzeskou

Certified Financial Planner®

“Life is like a camera... Focus on what is important, Capture the good times, Develop from the negatives, And if things don't work out, TAKE ANOTHER SHOT.”

Qualifications: BComm with specialisation in Financial Management (UNISA) and a Postgraduate Diploma in Financial Planning (UFS)

Experience: 5 years

Specialisation: Investment, wealth, risk and health management

Heleen Bezuidenhout

Senior Administrator

“Never let the sadness of your past and the fear of your future ruin the happiness of your present.”

Qualifications: Matric

Experience: 20 years

Specialisation: Administration

Andrea Roberts

Administration

“You are free to choose, but you are not free from the consequence of your choice”

Qualifications: HR Management

Experience: 3 years

Specialisation: Administration

OUR PROMISE AND ETHOS

Our financial advisors are all salaried employees who do not earn commission based on sales. Staff is remunerated by way of profit share annually, encouraging everyone to have a vested interest in the success of the business as a whole. Our teamwork extends to assisting each other’s clients in the event of someone being away or ill.

The person who answers your call or email is able to handle your query or will refer it to the correct person. We deal with call centres on your behalf.

Our ethos as a business is to put our clients first, and all of our planners and assistants have a track record of delivering on that promise.

FOR YOUR PROTECTION

We take all possible steps to protect your investment capital, personal information and rights as an investor. This includes:

  • All investments are held in the nominee company of the investment firm that you contract with. Where possible (retirement funds excluded) this means that your assets do not sit on the balance sheet of the investment company, and are protected by an independent custodian. Retirement funds are subject to their own regulatory protection.
  • In establishing our business, we have invested in the best possible IT infrastructure given our business requirements. We believe good technology and appropriate systems can enable our business to stay ahead of the industry. Data back-ups are stored securely offsite and password protection for any cloud-based information is closely protected.
  • Both of the Integral companies are registered with the Financial Services Board as Category II FSP’s, and they are subject to monthly compliance audits by an independent compliance firm, Masthead.
  • Any conflicts of interest are clearly disclosed in our Conflict of Interests register, which is available on request. In addition, any steps taken to mitigate those risks are also detailed.
  • We have a Complaints Policy which is also available on request, detailing the simplest way for any aggrieved client to obtain efficient redress.
  • Integral investment portfolios actively consider individual client risk when they are constructed and managed. We define risk as the permanent loss of capital, and we utilise a number of strategies including diversification, active exposure management, and a broad range of research sources and models to mitigate portfolio risk.
  • We believe in full disclosure to avoid any unhappy financial surprises at a later stage. Like any happy marriage, the relationship between a client and their financial planner is based on honesty at all times.
  • We would rather lose a client at engagement stage than after we have onboarded them – if the fit is not a comfortable one it is better to terminate before the relationship begins.

OUR PROCESS

financial advice that it focussed on you

IDENTIFY YOUR NEEDS

Our whole advice process is focussed on you and your needs - so our first step is to accurately understand your needs

GATHER INFORMATION

Using our tools, experience and resources, we dig deeper into your current financial landscape and ensure that not only do you have the correct portfolio in place - but that it is optimised who you are and what you want to achieve.

ANALYSE & DEVELOP PLAN

After extensive research and portfolio compilation we work through the opportunities to accumulate, protect and invest your wealth. This is a lifelong conversation that will develop alongside your life and your unique needs.

PRESENT THE PLAN

Once all of the options are understood by you, a course of action is implemented to get the cogs rolling in the direction of our plan.

IMPLEMENT THE PLAN

We believe that the best financial plans are updated and monitored on a regular basis. We will provide you with quarterly reports to monitor and keep you up to date with your plan.

REVIEW PROGRESS

With the power of knowledge, we are able to ensure that your plan not only performs as expected, but we can begin to chart new opportunities and extend your portfolio to perform even better!

ALWAYS IN THE KNOW

Empowering you to create
the choices you need to make.

RECOMMENDED BY

hear it from our clients

I have dealt with a number of financial advisers over the years but none that offer the complete package of expertise and, most importantly, genuinely personalized service that Lara and her team consistently provide.

Brian Moor

I have been very happy with the service that Integral Wealth Management have given me, always willing to help in whatever capacity I need, always friendly and been very good with any explanations that I have asked for. I basically always know how much I have in the account/s due to regular updates. I would certainly recommend Integral Wealth Management to my friends.

Linda Hawkins

Integral Wealth Management, although a small company has managed my investments prudently and professionally and has always kept me abreast of the changing environment as well as offer sound advice, which may affect the performance of the investments. It is a pleasure to work with such a wonderful team.

Mike Pon

Integral Wealth Management provides financial planning and wealth management services and offers a full range of investment products and platforms, as well as life assurance, medical aid and corporate financial planning.

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