Services - Financial planning: Pre-retirement analysis; post-retirement analysis. Retirement planning: Retirement annuities; preservation funds; living annuities. Risk planning: Life cover; Capital disability; income protection; critical illness; business succession; global education protector. Medical aid. Gap cover. Investments: Unit trust portfolios; tax-free investments; tertiary education portfolios; cash management and money; market portfolios; structured investments; guaranteed growth plans; guaranteed income plans; corporate retirement plans; portfolio analysis; asset allocation analysis. Employee benefits. Estate planning: Estate planning analysis; family wealth planning.