Qualifications Business Experience
About Me
Contact Details
I started in the industry as a telesales consultant in June 2003, and that’s when I realized that I wanted more and started as one of the youngest financial advisors in the industry in January 2004 at a company called Genesis Capital. Throughout the time I worked as an advisor for Genesis, I was one of the top 10 financial advisors in the company. In 2006 I was one of the top 20 qualifying independent advisors seen by Sanlam for the Pretoria region and then later working for First Meridian Financial services, I was seen as the TOP financial planner for the year 2007.
Website www.melindacoetzer.co.za
I am a young entrepreneur and had other interests apart from the financial planning industry. I went into property and several other business ventures before I settled down and joined my business partner in the signage industry. I am co-owner of a signage business that’s been running for the past 5 years. During my interactions with clients for signage, I realized how much I was missing helping people as a financial advisor and that is where my true passion lies. I then decided to take a backseat in the operations of the signage industry, and re-enter the financial planning industry. Through some great timing, I was approached to join Dynamic attooh! Group. The attooh! Group appealed to me as they are committed to providing their clients with personal and innovative solutions, constantly developing and extending the services they offer. I especially liked the concept that attooh! is a home for you from ‘cradle to grave’, where I can be a part of helping people through all life’s hardships and triumphs.
Address 7 High Road, Bramley, Johannesburg, 2090
I have a passion for people and love to help them. The world we live in is hard, and unforeseen events happen on a daily basis which we as individuals can’t account for.; but I want to help especially in these events. I strive to help the entire family, be it a parent passing away, a dreaded disease such as cancer that affects someone, a child wanting to go to university, or perhaps just a much needed holiday overseas - I will help them to the best of my abilities. I truly care for people. It is unfortunate that not everyone can afford the proper financial planning that we offer our clients based on their needs, but I strive to help them and give them the best of the best at the most affordable pricing. I specialize in risk planning, life and disability insurance, income protection, investment planning, retirement planning, healthcare planning and personal savings. I have a good understanding of the products in the industry and can provide unbiased advice on which is the best suited for each client. I fully understand that the economic environment can be volatile and risky, so it is important to me to stay focused, knowledgeable, and goal-orientated with regard to every aspect of my client’s financial portfolio. So in short - I’m just a normal human being, living in a harsh world trying to help extra ordinary people plan for their future and make a significant difference in their lives. I have years of experience in the industry and strive to give the best advice in every situation.
Mobile // Office Number +27(0)71 837 3229 // 011 440 1803 Email Address [email protected]
Qualifications Qualified Estate Agent | Estate Agency Affairs Board of South | 2009 RPL – Property Sales | Acutts National Training Acadamy | 2009 RFP 1 (Registered Financial Planner 1) | Financial Planning Institute of South Africa | 2005
NSC (National Senior Certificate – Matric) | Lehurutshe College | 1999 Certificate | Discovery Independent Contract Academy
Business Experience 1999 – 2003 | Multinet Brokers | Telesales Consultant for short term Insurance.
2004 - 2006 | Genesis Capital | Financial Advisor 2006 - 2007 | Pentasure | Financial Advisor 2007 – 2008 | First Meridian Advisory Services | Financial Advisor 2008 – 2010 | Acutts Properties | Estate Agent 2011 - 01 July 2015 | P3 Printing & Design 2015 - 01 July | Current attooh! Consulting Services Jacaranda
Download free ebook Are you a millionaire or on your way to Financial Independence? A team of Financial Advisors wrote the #1 Amazon Best seller, “The Ordinary Millionaire” containing the 7 secrets of the Happy, Healthy and Wealthy. This book will teach and equip you to move from where you are to where you want to be. The Ordinary Millionaire will guide you through 100 year old principles and take you on a personalised journey to make the content your own and to ensure your 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 “Happy, Healthy and Wealthy.” Please visit my website and download this book for FREE!
Business Partners and Associated Companies
activeXpress
espress-O-will
espress-O-trust
Discovery Accredited
www.attooh.co.za
Wellness Programme
Discovery Insure
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 and 2015. We currently have a staff compliment of more than 200 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 INDIVIDUAL FINANCIAL PLANNING
WELLNESS
A Financial Needs Analysis will be completed to give you as valued client an overview of your financial status. This is a planning tool we use when planning for the following:
• • •
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 that is regularly updated to contain your exact wishes? Do you have a valid power of attorney? Making provision for future expenses such as children’s education and any other goals. Advising on the use of trusts, if required.
•
We will assist and guide you on how to get to Gold Vitality Status. activeXpress has a nationwide footprint of Healthy professional partners. We offer Wellness days to assist you in earning your Vitality points and improving your Vitality status. The more points you earn, the better the travel, shopping and lifestyle rewards you get!
HEALTH CARE •
Individual and employer consultations on medical aid options with dedicated administration back-up. The Number 1 Healthcare Broker in 2011/2012
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? In the event of permanent disability, providing for a lump sum to settle all your household debt and to have sufficient money for lifestyle changes.
SHORT TERM INSURANCE • •
Personal (vehicle, household etc.) and commercial insurance via independent contracts with the major insurers. Cover with Discovery Insure and Discovery Insure Drive rewards.
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. To compensate you financially for the loss of a body part or the loss of use of a body part.
RETIREMENT PLANNING
•
To determine whether you will have sufficient income after retirement.
VITALITY DRIVE Do you have Discovery Insure? This product encourages safe driving through Vitalitydrive, the driving programme that gives you great rewards for improving your driving. The programme uses DQ-Track, to develop a scientific measure of driver behaviour, the Driver Quotient (or DQ). If you drive well, you will earn DQ Points and the more DQ Points you earn the greater your rewards will be.
EMPLOYEE BENEFITS INVESTMENT PLANNING • •
Lump sum or recurring investment tax efficient advice via a range of solutions for individuals or corporate entities. Goals typically addressed include providing for children’s education, and other goals. Investing for growth or income pre- or postretirement.
• •
Pension and provident funds. Group risk schemes.
BUSINESS ASSURANCE •
A whole range of solutions such as buy and sell structures, key man insurance etc. to suit your business type and needs.
attooh!! CONSULTING SERVICES HOLDINGS (Pty) Ltd is a juristic representative of Discovery Life (Pty) Ltd, an Authorised Financial Services Provider, FSP
Contact Details
I started in the industry as a telesales consultant in June 2003, and that’s when I realized that I wanted more and started as one of the youngest financial advisors in the industry in January 2004 at a company called Genesis Capital. Throughout the time I worked as an advisor for Genesis, I was one of the top 10 financial advisors in the company. In 2006 I was one of the top 20 qualifying independent advisors seen by Sanlam for the Pretoria region and then later working for First Meridian Financial services, I was seen as the TOP financial planner for the year 2007.
Website www.melindacoetzer.co.za
I am a young entrepreneur and had other interests apart from the financial planning industry. I went into property and several other business ventures before I settled down and joined my business partner in the signage industry. I am co-owner of a signage business that’s been running for the past 5 years. During my interactions with clients for signage, I realized how much I was missing helping people as a financial advisor and that is where my true passion lies. I then decided to take a backseat in the operations of the signage industry, and re-enter the financial planning industry. Through some great timing, I was approached to join Dynamic attooh! Group. The attooh! Group appealed to me as they are committed to providing their clients with personal and innovative solutions, constantly developing and extending the services they offer. I especially liked the concept that attooh! is a home for you from ‘cradle to grave’, where I can be a part of helping people through all life’s hardships and triumphs.
Address 7 High Road, Bramley, Johannesburg, 2090
I have a passion for people and love to help them. The world we live in is hard, and unforeseen events happen on a daily basis which we as individuals can’t account for.; but I want to help especially in these events. I strive to help the entire family, be it a parent passing away, a dreaded disease such as cancer that affects someone, a child wanting to go to university, or perhaps just a much needed holiday overseas - I will help them to the best of my abilities. I truly care for people. It is unfortunate that not everyone can afford the proper financial planning that we offer our clients based on their needs, but I strive to help them and give them the best of the best at the most affordable pricing. I specialize in risk planning, life and disability insurance, income protection, investment planning, retirement planning, healthcare planning and personal savings. I have a good understanding of the products in the industry and can provide unbiased advice on which is the best suited for each client. I fully understand that the economic environment can be volatile and risky, so it is important to me to stay focused, knowledgeable, and goal-orientated with regard to every aspect of my client’s financial portfolio. So in short - I’m just a normal human being, living in a harsh world trying to help extra ordinary people plan for their future and make a significant difference in their lives. I have years of experience in the industry and strive to give the best advice in every situation.
Mobile // Office Number +27(0)71 837 3229 // 011 440 1803 Email Address [email protected]
Qualifications Qualified Estate Agent | Estate Agency Affairs Board of South | 2009 RPL – Property Sales | Acutts National Training Acadamy | 2009 RFP 1 (Registered Financial Planner 1) | Financial Planning Institute of South Africa | 2005
NSC (National Senior Certificate – Matric) | Lehurutshe College | 1999 Certificate | Discovery Independent Contract Academy
Business Experience 1999 – 2003 | Multinet Brokers | Telesales Consultant for short term Insurance.
2004 - 2006 | Genesis Capital | Financial Advisor 2006 - 2007 | Pentasure | Financial Advisor 2007 – 2008 | First Meridian Advisory Services | Financial Advisor 2008 – 2010 | Acutts Properties | Estate Agent 2011 - 01 July 2015 | P3 Printing & Design 2015 - 01 July | Current attooh! Consulting Services Jacaranda
Download free ebook Are you a millionaire or on your way to Financial Independence? A team of Financial Advisors wrote the #1 Amazon Best seller, “The Ordinary Millionaire” containing the 7 secrets of the Happy, Healthy and Wealthy. This book will teach and equip you to move from where you are to where you want to be. The Ordinary Millionaire will guide you through 100 year old principles and take you on a personalised journey to make the content your own and to ensure your 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 “Happy, Healthy and Wealthy.” Please visit my website and download this book for FREE!
Business Partners and Associated Companies
activeXpress
espress-O-will
espress-O-trust
Discovery Accredited
www.attooh.co.za
Wellness Programme
Discovery Insure
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 and 2015. We currently have a staff compliment of more than 200 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 INDIVIDUAL FINANCIAL PLANNING
WELLNESS
A Financial Needs Analysis will be completed to give you as valued client an overview of your financial status. This is a planning tool we use when planning for the following:
• • •
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 that is regularly updated to contain your exact wishes? Do you have a valid power of attorney? Making provision for future expenses such as children’s education and any other goals. Advising on the use of trusts, if required.
•
We will assist and guide you on how to get to Gold Vitality Status. activeXpress has a nationwide footprint of Healthy professional partners. We offer Wellness days to assist you in earning your Vitality points and improving your Vitality status. The more points you earn, the better the travel, shopping and lifestyle rewards you get!
HEALTH CARE •
Individual and employer consultations on medical aid options with dedicated administration back-up. The Number 1 Healthcare Broker in 2011/2012
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? In the event of permanent disability, providing for a lump sum to settle all your household debt and to have sufficient money for lifestyle changes.
SHORT TERM INSURANCE • •
Personal (vehicle, household etc.) and commercial insurance via independent contracts with the major insurers. Cover with Discovery Insure and Discovery Insure Drive rewards.
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. To compensate you financially for the loss of a body part or the loss of use of a body part.
RETIREMENT PLANNING
•
To determine whether you will have sufficient income after retirement.
VITALITY DRIVE Do you have Discovery Insure? This product encourages safe driving through Vitalitydrive, the driving programme that gives you great rewards for improving your driving. The programme uses DQ-Track, to develop a scientific measure of driver behaviour, the Driver Quotient (or DQ). If you drive well, you will earn DQ Points and the more DQ Points you earn the greater your rewards will be.
EMPLOYEE BENEFITS INVESTMENT PLANNING • •
Lump sum or recurring investment tax efficient advice via a range of solutions for individuals or corporate entities. Goals typically addressed include providing for children’s education, and other goals. Investing for growth or income pre- or postretirement.
• •
Pension and provident funds. Group risk schemes.
BUSINESS ASSURANCE •
A whole range of solutions such as buy and sell structures, key man insurance etc. to suit your business type and needs.
attooh!! CONSULTING SERVICES HOLDINGS (Pty) Ltd is a juristic representative of Discovery Life (Pty) Ltd, an Authorised Financial Services Provider, FSP
