New website. Online client portal, e-signing and live booking are coming soon.
FSCA-Licensed · Independent Advisory

Protect What Matters,

Grow What You Build.

National online financial advisory covering retirement planning, investments, life insurance, business registrations and tax services — FAIS- and FICA-compliant.

Expert Insurance Solution emblem
Expert Insurance
Solution
Witbank · Online SA
Years in Witbank20+
AdviceIndependent
DeliveryOnline & in person
FSCA FAIS FICA POPIA
Regulated & Compliant FSCA LICENSED FAIS COMPLIANT FICA VERIFIED POPIA COMPLIANT
What We Do

Six pillars. One plan. Your whole financial life.

Independent, FAIS-licensed advice across every area that matters — delivered online nationwide or in person at our Witbank office.

Retirement & Income

RAs, living annuities, pension structuring, and Two-Pot strategy — tax-efficient income for every stage of retirement.

Retirement Annuities (RA)
Living Annuity Structuring
Two-Pot Retirement Strategy
Preservation Fund Advice

Investments & Wealth

Unit trust and ETF portfolios, offshore exposure, TFSA optimisation, and risk-profiled wealth building across the full market.

Unit Trusts & ETF Portfolios
Tax-Free Savings Accounts
Offshore & Rand-Hedge Investing
Quarterly Performance Reviews

Life & Disability

Full-market cover analysis for life, disability, income protection, and dread disease — sized to your actual needs, not a default.

Life & Disability Cover
Income Protection
Severe-Illness (Dread Disease)
Cover Needs & Gap Analysis

Estate & Legacy

Wills, beneficiary nominations, estate liquidity, and legacy structuring to ensure your assets reach the right people efficiently.

Wills & Estate Planning
Beneficiary Nomination Review
Estate Liquidity Analysis
Funeral & Endowment Planning

Business & Tax

Buy-and-sell agreements, key-person cover, business assurance, and tax planning for owners, directors, and the self-employed.

Buy-&-Sell & Key-Person Cover
Business Assurance
Tax Planning & Optimisation
Gig-Economy & Freelancer Plans

Financial Wellness

Annual wellness reviews, budgeting and cash-flow coaching, debt planning, and an education library — for clients and their employees.

Annual Wellness Review
Budgeting & Emergency Fund
Debt Strategy & Reduction
Corporate Wellness Workshops
Truly independent

Full-market access — not one house's shelf.

One plan, every need

All six pillars planned together — not in silos.

Online or in person

Video, WhatsApp, e-sign — or walk in at Witbank.

20+ years trusted

Two decades of relationships in Witbank & beyond.

No Commitment Needed

Once-Off Sessions

Standalone sessions — no monthly commitment. Fee depends on complexity; contact us for a tailored quote.

Comprehensive Financial Plan

Full income, expense & net worth assessment. Short, medium & long-term goal mapping.

Retirement Readiness Review

Projected shortfall analysis, Two-Pot assessment, living vs guaranteed annuity guidance.

Investment Portfolio Review

Performance vs benchmark, risk alignment, diversification & fee efficiency assessment.

Life & Insurance Cover Needs Analysis

Income replacement needs, cover gap identification, dread disease & disability check.

Business Insurance & Company Strategy

Withdrawal impact, tax consequence modelling, contribution optimisation strategy.

Group Session

Corporate Wellness Workshop

60-min group financial literacy session. Budgeting, savings, retirement for employees.

Simple Process

How It Works

1

Free Discovery Call

A 20-minute video call to assess your goals and risk appetite — no obligation.

2

Digital Onboarding & FICA

Risk profile, disclosure documents, and remote FICA verification — all online.

3

Plan & Ongoing Reviews

Receive your tailored financial plan and track progress with regular portfolio reviews.

On the way

More ways to work with us, coming soon

We are adding online tools so you can manage more from your phone. Until then, everything below is available in person, by email or on WhatsApp.

🔒Coming soon

Secure client portal

View your policies, cover and investment values in one private place.

📄Coming soon

Document upload & e-signing

Send FICA documents and sign forms online, without printing or scanning.

📅Coming soon

Live booking calendar

Choose an open slot and get instant confirmation of your appointment.

🧮Coming soon

Retrenchment & retirement calculators

Estimate the tax on a payout and compare preserve, transfer and withdraw options.

Ready to secure your future?

Schedule a free, no-obligation 20-minute discovery call today.

Who We Are

Old-world trust.
New-world tools.
One adviser who gives you both.

Expert Insurance Solution is an independent, FAIS-licensed financial practice built on more than 20 years of trust in Witbank — now serving clients across South Africa. We don't push products off a single shelf, and we don't hand you to an app. You get one adviser who sees your whole financial life.

Independent & full-market 20+ years in Witbank Online nationwide Holistic — one plan
Our Sweet Spot

Most advisers give you one thing. We give you four.

Our advantage is the one place those strengths overlap — and where we sit alone.

Truly independent

Not tied to one insurer or fund house. Our licence carries a best-advice duty to you — we compare the whole market.

Genuinely holistic

Retirement, risk cover, investments, estate, business and tax planned as one connected picture.

Human + digital

A named adviser for the big decisions — plus video meetings, e-signatures, a client portal and WhatsApp for everything in between.

Rooted + reaching

Two decades of face-to-face trust on the Mpumalanga belt, now delivered to clients anywhere in South Africa.

Robo-advisersSlick technology — but no human judgement when life gets complicated.
Banks & tied agentsA familiar brand — but only their own products on the shelf.
Old-school brokersA real relationship — but paperwork, office visits and no digital convenience.
New online IFAsModern digital tools — but no track record and no local roots.
Expert Insurance SolutionAll four — independence, holistic advice, human + digital delivery, and 20+ years of proven trust.
What We Cover

Every financial need — the timeless and the brand-new.

Your parents needed life cover and a pension. You need those too — plus a way to navigate Two-Pot, crypto questions, offshore options and a side hustle with no employer benefits.

The Foundation

Traditional needs

The protection and planning every family and business still needs — done properly, across the whole market.

Life & disability cover
Severe-illness (dread disease) cover
Income protection
Retirement annuities & pensions
Living annuities & retirement income
Investment portfolios (unit trusts, endowments)
Estate planning & wills
Business assurance (buy & sell, key person)
Medical aid & gap cover
Tax planning
The New Reality

Today's client needs

The questions a 1990s brochure never answered — the financial life South Africans actually live now.

Two-Pot retirement system guidance 2024 reform
Tax-free savings (TFSA) optimisation
Offshore & rand-hedge investing
Remote video advice — no office visit needed
Digital onboarding & e-signatures
Subscription advice — predictable monthly fee
Gig-economy & freelancer planning
WhatsApp servicing & quick answers
ESG / responsible investing
Why It Matters

What actually sets us apart.

Plenty of firms can name these services. Here's why the way we deliver them is different.

01

One adviser, your whole picture

A bank sells you a product. An app sells you a portfolio. We look at your retirement, risk cover, estate, business and tax together — because in real life they're connected.

02

Independent means your side of the table

We aren't tied to a single insurer or fund house. Our FAIS licence carries a best-advice duty to you, not a sales quota for them.

03

Human when it counts, digital when it's faster

Big decisions deserve a real conversation; routine admin shouldn't cost you an afternoon. Named adviser + video, e-signatures, portal and WhatsApp.

04

Built for how South Africans live now

Two-Pot decisions, offshore questions, side-hustle tax and retrenchment payouts. We plan for the financial life you actually have in 2026 — not a decades-old brochure.

Our Promise

Four things you can hold us to.

Advice first, products second

We start with your goals, not a policy we're trying to place.

Full-market independence

The whole market on the table — never a single house's shelf.

Plain-language advice

Clear, jargon-free advice — so you always know what you hold.

Licensed & accountable

FAIS-licensed, with full compliance oversight, fully answerable to you.

Let's build a plan that fits your whole life.

Book a no-obligation conversation — online from anywhere in South Africa, or in person at our Witbank office.

Chat on WhatsApp
FSCA-Registered · Independent

Meet the Advisors

A family practice built on three generations of financial expertise — independent, accredited, and personally invested in your future.

LvR

Leonie van Rooyen

Senior Advisor · Wealth Creator & Market Analyst

With over 35 years in the industry, Leonie is the most seasoned member of the practice. As an expert market analyst, she combines decades of experience with sharp insight into market cycles, helping clients build lasting wealth across changing economic conditions.

35+ Years Experience Wealth Creation FAIS-Accredited Market Analysis
NvR

Nelis van Rooyen

Senior Advisor · Investment Specialist & Needs Analyst

With 15+ years of experience, Nelis leads investment advisory and specialises in business registration and financial needs analysis. Passionate about cutting through market noise, he drives the firm’s fully digital service model — making sophisticated advice accessible nationwide.

15+ Years Experience Investment Specialist FAIS-Accredited Business Registration
CvR

Chris van Rooyen

Senior Advisor · Legal Advisor (BCom Law)

With 40+ years and a BCom Law qualification, Chris brings unmatched legal and financial insight. As the firm’s legal advisor, he guides clients through estate structuring, contracts, compliance, and protecting what they have worked so hard to build.

40+ Years Experience BCom Law FAIS-Accredited Estate Planning

Not sure who to speak to?

Book a free 20-minute discovery call and we’ll match you with the right adviser.

WITBANK (EMALAHLENI), MPUMALANGA

Our Office

All advisory services are available online — and in person at our Witbank office. Serving Emalahleni, Middelburg, Kriel, Hendrina and surrounds.

Contact Details
📍
Address
10 Neven Street
Witbank (Emalahleni)
Mpumalanga, South Africa
Office Hours
Monday – Friday08:00 – 17:00
Saturday08:00 – 12:00
SundayClosed
Walk-in consultations welcome

Book ahead for dedicated time or walk in during business hours.

📍
Witbank (Emalahleni), Mpumalanga
Open in Google Maps →
Available In-Person
✓Financial Needs Analysis
✓Retirement Planning
✓Investment Advisory
✓Life Insurance
✓Business Registration
✓SARS Tax Services
✓Employee Benefits
✓Will & Estate Guidance
CIPC · SARS · Business Compliance

CIPC & Tax Compliance for Businesses

Keep your company in good standing with CIPC and SARS. We handle registrations, annual returns, beneficial ownership and business tax submissions from start to finish, online or at our Witbank office.

🏢
CIPC Services
Companies and Intellectual Property Commission
Company Registration (Pty Ltd)
Business Name Reservation & Name Changes
CIPC Annual Returns
Beneficial Ownership Declarations
Director & Shareholder Amendments
MOI & Share Certificates
B-BBEE Affidavits (EME / QSE)
Deregistration & Reinstatement
🧾
Business Tax Submissions
South African Revenue Service
Company Income Tax Returns (ITR14)
Provisional Tax (IRP6)
Tax Compliance Status & TCS PIN
SARS eFiling Registration & Setup
Owners’ Personal Tax Returns (ITR12)
SARS Correspondence, Objections & Penalty Requests
✅
How we keep you compliant
One practice, from check-up to submission
Free compliance check of your CIPC and SARS status
Clear list of what is outstanding and what it costs
Filings submitted and tracked to completion
Reminders before your next due dates

Not sure where your company stands?

Book a free compliance check. Fees are quoted upfront before any work starts.

Schedule a Session

Book an Appointment

Free discovery calls available — no obligation.

1
Session Type
2
Date
3
Time
4
Details

What do you need help with?

Free Discovery Call
20 min — Free
Retirement Review
45 min
Portfolio Review
45 min
Cover Analysis
30 min
Two-Pot Strategy
30 min
Business & Tax
30 min
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