Toro Financial Planners
Investment Services in Randburg

Toro Financial Planners - a fully independent high level financial planning service through competent advisors who will attain the highest levels of financial planning expertise through the training we deliver.

Growth has been excellent, but what has has been particularly rewarding is our extraordinary client retention rate. Integrity, empathy and transparency are our core principles. We are dedicated to providing insurance & investment products that provide quality protection with value pricing. We wish to establish a successful partnership with our clients, our staff members, and the companies whose products we represent, that respect the interests and goals of our clients. Success will be measured by our clients choosing us and staying with us because of their belief in our ability to meet or exceed their expectations of price, service, and expertise. We aim to deliver the best advice at all times regardless of the income that advice generates. Since its conception Toro FP has provided me and my family with sound and relevant advice that meets my investment requirements. Toro Financial Planners has alway provided me with great advice, personalised service and hassle-free admin to back it up. You can always rely on Toro to provide personalised and professional service. They are attentive and discerning, and extremely knowledgeable about the industry, which helps clients to make the best decisions. This is done through life cover, funeral cover, lump sum disability, income protection, sickness cover and severe illness cover. We avoid products which mix assurance and investments in order to maintain flexibility and transparency and to reduce costs. Short-term insurance covers risks to your assets such as fire, theft and accidental damages. The majority of investment planning is done through collective investment schemes (commonly known as unit trusts) and tax-free savings accounts. Where flexibility is required, asset managers are used. The vast majority of investment products carry no penalties for early withdrawal. Wherever possible, only asset managers are utilised where premiums can be altered at any time without penalties. For retiring clients we conduct a comprehensive assessment to best structure a solution to meet clients’ needs. Medical schemes are utilised to cover the financial risk of hospitalisation, day-to-day cover and chronic conditions. It is very important that you have recorded your wishes so that assets are distributed in accordance with your wishes and that your final wishes are respected. Pension and provident funds are used for larger employers to look after the retirement funding needs of staff members. For smaller employees, group retirement annuities are used as they offer better transparency, cost structures and flexibility. Group life assurance, funeral cover, lump sum disability, income protection and severe illness cover are all used to provide benefits to staff members, protect the business from financial liabilities, improve the value of employees packages and treat staff members in an ethical manner. A variety of risks require cover in the commercial environment. Medical schemes are usually used to offer employees healthcare benefits.