Medical aid · Gap cover
Health
The right medical scheme and plan for your family, with gap cover so a hospital stay never becomes a financial event.
Independent financial advisers · Constantia, Cape Town
Protect.Build.Plan.
Your health. Your wealth. Your lifestyle. Your future.
We help professionals and families protect what they have, grow what they are building and plan for the people who come after them. One practice, one relationship, every part of your financial life.
IndependentAdvice across providers, chosen for you, not for a product house.
Since 1997Nearly 30 years of advising South African families and professionals.
FSP 18310An authorised financial services provider, regulated by the FSCA.
What we do
More than financial products. A complete plan.
Every part of your plan affects the others. We look after all six, so your cover, your investments and your estate work together.
Income protection
Life & Disability
Life, disability, severe illness and income protection cover, sized to what your family and your practice would actually need.
Wealth creation
Investments
Discretionary, offshore and tax-free investments, built around your goals and managed with discipline over time.
Financial freedom
Retirement
Retirement annuities, preservation funds and living annuities, planned so your income lasts as long as you do.
Peace of mind
Estate Planning
Wills, trusts and estate liquidity planning, so the people you leave behind are looked after and the process is simple.
Home · Car · Business
Short-Term
Home, vehicle and business insurance from the right insurer for your risk, with claims support when you need it.
How we work
A plan built around you, reviewed every year.
- 01
Discovery
We meet to understand your family, your work, what you already have in place and what you want your money to do.
- 02
Your plan
We analyse your current position and present clear recommendations, with the reasons and the costs set out in writing.
- 03
Implementation
We handle the applications, transfers and paperwork with the providers, so you don't have to.
- 04
Ongoing review
Life changes. We review your plan with you every year and whenever something important happens.
Planning insight · Tax-free savings
Grow your savings. Keep all of the growth.
Budget 2026 raised the annual tax-free savings limit for the first time since 2021. Inside a tax-free investment you pay no income tax on interest, no dividends tax and no capital gains tax, and that compounds into a real difference over time.
There are rules to plan around: contributions above the limits are penalised, and money you withdraw still counts towards your limits. We can help you use your allowance well.
R46 000Annual limit
from 1 March 2026
from 1 March 2026
R500 000Lifetime limit
0%Tax on interest,
dividends & growth
dividends & growth
Limits as published by SARS. General information, not advice.
Our team
People you can talk to.
You deal directly with qualified advisers who know your situation, not a call centre.
Michael Harvie
Key Individual
Michael has spent 26 years in financial services, business consulting and management. He has lectured financial planning and entrepreneurship at Stellenbosch University, and invests personally in property and in private and public companies.
- B.Com, University of Pretoria
- Postgraduate qualifications in financial, estate and investment planning, University of the Free State
- MBA, Stellenbosch Business School
- Doctorate in Business Management (in progress)
Andrew Chin
Key Individual
Andrew is a member and Key Individual of Visual Link and shares responsibility for the practice's advice and compliance.
Our advisers
Diaan MulderIndependent Financial Adviser
072 960 3913
Petra van der WesthuizenIndependent Financial Adviser
Myles MayhewIndependent Financial Adviser
Darrel HiltonIndependent Financial Adviser
Johan van der MerweShort-Term Insurance Specialist
Beulah WaltersIndependent Financial Adviser
Contact us
Let's start with a conversation.
Tell us a little about what you'd like help with and we'll arrange a time to meet, at our offices in Constantia or at your practice.
Consultations
General
Phone082 454 2448
OfficeConstantia, Cape Town