About Me Contact Details Business Partners and Associated ...
About Me
Contact Details
Nick Beard entered the Financial Services Industry as a Financial Planner in 2006 at the age of 21. He quickly grew as one of the Top Advisers in his company and received awards for being promising at a young age.
Website www.nickbeard.co.za
His experience in the last 9 years has moulded him into a mature Financial Planner that has grown a solid client base that continues to progress and achieve their goals. Through this commitment to his clients he has built solid relationships and friendships within his loyal client base. Nick now works at attooh! which is the number 1 Discovery franchise in South Africa. This has been a great move as achieving goals in life is always easier when you mix with the best.
Email Address [email protected]
Nick is passionate about growing with his clients in terms of wealth and wellness and hopes to be one of the country’s top Financial Planners in the not too distant future. When you engage with him on a personal level he will take you through the entire Financial Planning process from square one and ensure that a process is put in place to achieve your relevant goals. Every single person has unique needs and his understanding of this definitely helps in creating a long term relationship with his clients. Nick is happily married to Jennifer and has a 2 year old Daughter Amanda with another Daughter on the way. He is lucky to have grown up in a close knit family and learnt that loyalty, respect and common courtesy are important traits to possess for the people around you. He attended Parktown boys high school which showed him the importance of traditions and good values and will be forever grateful for the opportunities received there. He is obsessed with Golf and is also Vice chairman and Captain at his Waterpolo club. He enjoys socializing with close friends and family and believes in a balanced lifestyle allowing time for Family, hard work and fun.
Business Partners and Associated Companies
activeXpress
espress-O-will
espress-O-trust
Mobile +27(0)72 190 9805
Address Unit 1 B, Menlyn Woods Office Park, 291 Sprite Ave, Faerie Glen
My book #1 Amazon Best Seller My book ‘The Ordinary Millionaire” achieved the number 1 Best Seller status. The purpose of my book is to help and educate you, and to guide you along with the secret steps to take on your journey to financial independence. The aim is to help you get to that “Ordinary Millionaire” status and more importantly, to enjoy life as one of the few who cracked the secret to Financial Independence and the state “Wealthy, Healthy, and Happy.” Make sure you visit my website to download a copy of The Ordinary Millionaire.
Education Certificate in wealth Management | University of Stellenbosch Business School, 2009
RE 5, RFP1 and RFP2 | 2013
Business Experience Merchant West | Financial Advisor, 2006 - 2009 Finlogic | Financial Advisor, 2009 - 2012 attooh! | Financial Advisor, 2012 - present
Discovery Accredited
www.attooh.co.za
Wellness Programme
Financial Planning Institute
About attooh! attooh! is a Boutique Financial Services group and was awarded the Number 1 Financial Advisor Group in South Africa for Discovery in 2014. We currently have a staff compliment of more than 120 highly qualified financial advisors operating on a National Footprint. Our name is a reflection of celebrating, amongst others achieving financial goals. Our brand further reflects a clean cut image with a butterfly as our icon. A butterfly is one of few insects on earth that goes through four stages before it realises its true value. The message is one of living a life of “permanent purpose”, every action we take has an impact in life. The attooh! Group represents all the stages of the butterfly’s metamorphosis, and is a brand in the financial service industry combining old values with 21st century service ethics. We focus on dedicated and tailor-made client education packages, covering the full spectrum of financial services products and each client’s ability to interact with us from cradle to grave. The cornerstone and foundation of all the relationships we build can be summarised in our Core Purpose defined as: “We make ordinary people Millionaires and make Millionaires Financially Independent” This powerful concept’s design is around changing a “Poverty Mindset” to an “Abundant Mentality”. This is the first concept of being a “Millionaire”. Once achieved, we can take anyone on the journey to Financial Independence. Our values are as illustrated: Unashamedly Ethical, Love Serve and Remember, Innovation Optimism and Entrepreneurship, Clients Equal Raving Fans, Treating Customers Fairly and Having Fun!
Our Wealth Solutions BUSINESS ASSURANCE
INDIVIDUAL FINANCIAL PLANNING
BUSINESS EXCELLENCE INDEX (BEXI) As businesses become bigger many business owners sometimes feel like the ship is sinking, but they can’t find the leak. BEXI was developed as a mini MBA diagnostic tool to identify possible leaks in a business even before the cracks might appear. We have consulted and guided many entrepreneurs to peace of mind by identifying which systems, opportunities as well as internal- and external threats are the next few hurdles to overcome in the road to protect their biggest asset. A minimum business turnover of R20m p.a. is recommended to ensure proper value for money.
A Financial Needs Analysis will be completed to give you as valued client an overview of your financial status.
BUY AND SELL ARRANGEMENTS When a partner, co-shareholder or a member of a business passes away or becomes disabled the remaining shareholder/s are faced with serious difficulties. In the event of death the deceased’s beneficiaries become the new shareholders. They usually don’t have the knowledge, expertise or inclination to contribute to the business. In the event of permanent disability the remaining shareholder/s are placed in a position where the disabled shareholder can no longer contribute to the business. A properly drafted buy and sell contract, funded by insurance, takes care of this problem. CONTINGENT LIABILITY PROVISION When a business takes out a loan, the shareholders are usually required to sign personal surety. In the event of the death of a shareholder the financial institution who granted the credit is likely to cancel the credit facility. This problem is solved by way of life and disability cover on the lives of shareholders underpinned by a properly drafted contract. KEY MAN COVER In the event of the death or disability of a key person (a person who the business relies on heavily in terms of knowledge, skills and experience) the business is likely to suffer a loss of revenue and profit. Life and disability cover on the life of the key person, owned by and payable to the business will resolve this problem and provide the business with bridging finance funded by themselves through insurance. LOAN ACCOUNT PROTECTION In the event of the death of a shareholder in a business where there is a credit or debit loan account the business is often placed in a difficult position. In the event of a credit loan account (the business owes money to the shareholder) the executor of the deceased estate will demand payment from the business, often at a time when the business can ill afford to do so. A similar situation arises with a debit loan account (the shareholder owes money to the business) where the business claims payment from the deceased estate. Life cover on the life of shareholders with loan accounts will provide all parties with financial peace of mind and ensure the that no liquidity issues in the business will arise. PREFERRED COMPENSATION Retaining competent, productive personnel is a challenge to all businesses. Replacing staff who have left is difficult, costly and time consuming, given the skills shortage in South-Africa. A cash incentive payable to loyal key personnel every 5 years is an effective way of addressing the retention challenge.
UNTIMELY DEATH • Will your dependent/s be able to maintain their standard of living (will they have sufficient income)? • Is there sufficient cash in your estate for all costs to be paid (such as executor’s fees, debts and taxes). Do you have a valid will? • Do you have a valid power of attorney? • Advising on the use of trusts, if required. TEMPORARY OR PERMANENT DISABILITY • Will you have sufficient income to maintain your standard of living if you are temporarily or permanently disabled as a result of an accident, injury or disease? SEVERE ILLNESS • In the event of being diagnosed with a severe illness such as cancer, heart disease or stroke, to provide for a lump sum to settle all your household debt, expenses not covered by your medical aid and to have sufficient money for lifestyle changes. • Functional or physical impairment. RETIREMENT PLANNING • To determine whether you will have sufficient income after retirement.
INVESTMENT PLANNING •
Lump sum or recurring investment tax efficient advice via a range of solutions for individuals or corporate entities.
WELLNESS •
We will assist and guide you on how to get to Gold Vitality Status.
HEALTH CARE •
Individual and employer consultations on medical aid options.
SHORT TERM INSURANCE •
Personal (vehicle, household etc.) and commercial insurance via independent contracts with the major insurers.
VITALITY DRIVE Do you have Discovery Insure? This product encourages safe driving through Vitalitydrive. Get rewarded whilst driving.
EMPLOYEE BENEFITS • •
Pension and provident funds. Group risk schemes.
attooh! CONSULTING SERVICES HOLDINGS (Pty) Ltd is a juristic representative of Discovery Life (Pty) Ltd, an Authorised Financial Services Provider, FSP 18147.
Contact Details
Nick Beard entered the Financial Services Industry as a Financial Planner in 2006 at the age of 21. He quickly grew as one of the Top Advisers in his company and received awards for being promising at a young age.
Website www.nickbeard.co.za
His experience in the last 9 years has moulded him into a mature Financial Planner that has grown a solid client base that continues to progress and achieve their goals. Through this commitment to his clients he has built solid relationships and friendships within his loyal client base. Nick now works at attooh! which is the number 1 Discovery franchise in South Africa. This has been a great move as achieving goals in life is always easier when you mix with the best.
Email Address [email protected]
Nick is passionate about growing with his clients in terms of wealth and wellness and hopes to be one of the country’s top Financial Planners in the not too distant future. When you engage with him on a personal level he will take you through the entire Financial Planning process from square one and ensure that a process is put in place to achieve your relevant goals. Every single person has unique needs and his understanding of this definitely helps in creating a long term relationship with his clients. Nick is happily married to Jennifer and has a 2 year old Daughter Amanda with another Daughter on the way. He is lucky to have grown up in a close knit family and learnt that loyalty, respect and common courtesy are important traits to possess for the people around you. He attended Parktown boys high school which showed him the importance of traditions and good values and will be forever grateful for the opportunities received there. He is obsessed with Golf and is also Vice chairman and Captain at his Waterpolo club. He enjoys socializing with close friends and family and believes in a balanced lifestyle allowing time for Family, hard work and fun.
Business Partners and Associated Companies
activeXpress
espress-O-will
espress-O-trust
Mobile +27(0)72 190 9805
Address Unit 1 B, Menlyn Woods Office Park, 291 Sprite Ave, Faerie Glen
My book #1 Amazon Best Seller My book ‘The Ordinary Millionaire” achieved the number 1 Best Seller status. The purpose of my book is to help and educate you, and to guide you along with the secret steps to take on your journey to financial independence. The aim is to help you get to that “Ordinary Millionaire” status and more importantly, to enjoy life as one of the few who cracked the secret to Financial Independence and the state “Wealthy, Healthy, and Happy.” Make sure you visit my website to download a copy of The Ordinary Millionaire.
Education Certificate in wealth Management | University of Stellenbosch Business School, 2009
RE 5, RFP1 and RFP2 | 2013
Business Experience Merchant West | Financial Advisor, 2006 - 2009 Finlogic | Financial Advisor, 2009 - 2012 attooh! | Financial Advisor, 2012 - present
Discovery Accredited
www.attooh.co.za
Wellness Programme
Financial Planning Institute
About attooh! attooh! is a Boutique Financial Services group and was awarded the Number 1 Financial Advisor Group in South Africa for Discovery in 2014. We currently have a staff compliment of more than 120 highly qualified financial advisors operating on a National Footprint. Our name is a reflection of celebrating, amongst others achieving financial goals. Our brand further reflects a clean cut image with a butterfly as our icon. A butterfly is one of few insects on earth that goes through four stages before it realises its true value. The message is one of living a life of “permanent purpose”, every action we take has an impact in life. The attooh! Group represents all the stages of the butterfly’s metamorphosis, and is a brand in the financial service industry combining old values with 21st century service ethics. We focus on dedicated and tailor-made client education packages, covering the full spectrum of financial services products and each client’s ability to interact with us from cradle to grave. The cornerstone and foundation of all the relationships we build can be summarised in our Core Purpose defined as: “We make ordinary people Millionaires and make Millionaires Financially Independent” This powerful concept’s design is around changing a “Poverty Mindset” to an “Abundant Mentality”. This is the first concept of being a “Millionaire”. Once achieved, we can take anyone on the journey to Financial Independence. Our values are as illustrated: Unashamedly Ethical, Love Serve and Remember, Innovation Optimism and Entrepreneurship, Clients Equal Raving Fans, Treating Customers Fairly and Having Fun!
Our Wealth Solutions BUSINESS ASSURANCE
INDIVIDUAL FINANCIAL PLANNING
BUSINESS EXCELLENCE INDEX (BEXI) As businesses become bigger many business owners sometimes feel like the ship is sinking, but they can’t find the leak. BEXI was developed as a mini MBA diagnostic tool to identify possible leaks in a business even before the cracks might appear. We have consulted and guided many entrepreneurs to peace of mind by identifying which systems, opportunities as well as internal- and external threats are the next few hurdles to overcome in the road to protect their biggest asset. A minimum business turnover of R20m p.a. is recommended to ensure proper value for money.
A Financial Needs Analysis will be completed to give you as valued client an overview of your financial status.
BUY AND SELL ARRANGEMENTS When a partner, co-shareholder or a member of a business passes away or becomes disabled the remaining shareholder/s are faced with serious difficulties. In the event of death the deceased’s beneficiaries become the new shareholders. They usually don’t have the knowledge, expertise or inclination to contribute to the business. In the event of permanent disability the remaining shareholder/s are placed in a position where the disabled shareholder can no longer contribute to the business. A properly drafted buy and sell contract, funded by insurance, takes care of this problem. CONTINGENT LIABILITY PROVISION When a business takes out a loan, the shareholders are usually required to sign personal surety. In the event of the death of a shareholder the financial institution who granted the credit is likely to cancel the credit facility. This problem is solved by way of life and disability cover on the lives of shareholders underpinned by a properly drafted contract. KEY MAN COVER In the event of the death or disability of a key person (a person who the business relies on heavily in terms of knowledge, skills and experience) the business is likely to suffer a loss of revenue and profit. Life and disability cover on the life of the key person, owned by and payable to the business will resolve this problem and provide the business with bridging finance funded by themselves through insurance. LOAN ACCOUNT PROTECTION In the event of the death of a shareholder in a business where there is a credit or debit loan account the business is often placed in a difficult position. In the event of a credit loan account (the business owes money to the shareholder) the executor of the deceased estate will demand payment from the business, often at a time when the business can ill afford to do so. A similar situation arises with a debit loan account (the shareholder owes money to the business) where the business claims payment from the deceased estate. Life cover on the life of shareholders with loan accounts will provide all parties with financial peace of mind and ensure the that no liquidity issues in the business will arise. PREFERRED COMPENSATION Retaining competent, productive personnel is a challenge to all businesses. Replacing staff who have left is difficult, costly and time consuming, given the skills shortage in South-Africa. A cash incentive payable to loyal key personnel every 5 years is an effective way of addressing the retention challenge.
UNTIMELY DEATH • Will your dependent/s be able to maintain their standard of living (will they have sufficient income)? • Is there sufficient cash in your estate for all costs to be paid (such as executor’s fees, debts and taxes). Do you have a valid will? • Do you have a valid power of attorney? • Advising on the use of trusts, if required. TEMPORARY OR PERMANENT DISABILITY • Will you have sufficient income to maintain your standard of living if you are temporarily or permanently disabled as a result of an accident, injury or disease? SEVERE ILLNESS • In the event of being diagnosed with a severe illness such as cancer, heart disease or stroke, to provide for a lump sum to settle all your household debt, expenses not covered by your medical aid and to have sufficient money for lifestyle changes. • Functional or physical impairment. RETIREMENT PLANNING • To determine whether you will have sufficient income after retirement.
INVESTMENT PLANNING •
Lump sum or recurring investment tax efficient advice via a range of solutions for individuals or corporate entities.
WELLNESS •
We will assist and guide you on how to get to Gold Vitality Status.
HEALTH CARE •
Individual and employer consultations on medical aid options.
SHORT TERM INSURANCE •
Personal (vehicle, household etc.) and commercial insurance via independent contracts with the major insurers.
VITALITY DRIVE Do you have Discovery Insure? This product encourages safe driving through Vitalitydrive. Get rewarded whilst driving.
EMPLOYEE BENEFITS • •
Pension and provident funds. Group risk schemes.
attooh! CONSULTING SERVICES HOLDINGS (Pty) Ltd is a juristic representative of Discovery Life (Pty) Ltd, an Authorised Financial Services Provider, FSP 18147.
