Independent financial planning

Coming home.
Starting out.
Starting over.

Silverhurst is financial planning for South Africans at a turning point. Whether you're returning from abroad, entering the workforce, or rebuilding after a life change — we set up everything so you can focus on what's next.

Book a free consultation → See who we help

Who we help

Three turning points. One advisor.

We don't try to be everything to everyone. We specialise in South Africans navigating a specific financial transition — and we get it right.

Coming home

Returning to South Africa?

You've been abroad — London, Dubai, Sydney, wherever life took you. Now you're coming home and everything needs to be set up: medical aid, investments, insurance, retirement. It's a lot. We start while you're still abroad, so it isn't waiting for you when you land.

STILL ABROAD, OR ABOUT TO LEAVE?

Talk to us before you cancel your South African medical aid. What you do with it while you're away decides what you pay for the rest of your life — and it can't be undone once you're back.

Medical aid from scratch — your years abroad don't count as cover in South Africa
Late-joiner penalties — some schemes waive them if you meet specific conditions. We'll tell you whether you qualify.
Offshore asset repatriation and investment structuring
Timing your return — and how it lines up with your tax practitioner’s work
Life, disability, and income protection — new cover
Retirement fund preservation and consolidation

Book a pre-arrival consultation →

Starting out

First job. First paycheque. First decisions.

Nobody taught you this stuff in school. Which medical aid? Do I need gap cover? Should I start a retirement annuity at 24? What about tax-free savings? We set you up properly from day one — so your 50-year-old self thanks you.

First medical aid — the right plan, chosen on total cost, not premium
Gap cover — R6/day to close a R200k risk gap
Retirement annuity — start small, compound for 40 years
Tax-free savings account — R36k/yr, tax-free forever
Income protection — your salary is your biggest asset

Book a free 15-minute call →

Starting over

Life changed. Your finances need to catch up.

Divorce. Retrenchment. A diagnosis. Retirement. Whatever triggered it — your financial structure needs to be rebuilt. We provide the calm, clear, structured guidance to get everything back in order. No judgement. Just maths and a plan.

Post-divorce: asset split, beneficiary updates, cover review
Medical aid restructure — solo cover or new family unit
Investment rebalancing after settlement or payout
Estate plan update — wills, trusts, nominations
Insurance review — right-size cover for your new reality

Book a confidential consultation →

Health · Wealth · Prosperity

Everything connects. We plan accordingly.

Your medical aid, investments, insurance, tax, retirement, and estate aren't separate products — they're one financial life. We integrate them.

Health

Medical aid & gap cover

AI-powered advisory across 102 plans. AURA computes your real cost — not just premiums — and finds the plan that actually protects your family.

Wealth

Investments & insurance

Portfolios, offshore, tax-free savings, life cover, disability, income protection. Independent — we recommend what works for you, not what pays us more.

Prosperity

Retirement & estate

Retirement annuities, living annuities, preservation, estate planning, wills, tax-efficient structuring. Built to last beyond you.

Medical aid advisory

AURA takes medical aid off your plate. Forever.

LAUNCHING SOON

Medical aid is the one product every South African family needs, yet almost nobody has an advisor who actively manages it. AURA changes that.

We compute your Total Expected Cost of Healthcare — premiums, out-of-pocket, gap cover, tax credits, risk exposure — personalised to your family. Then we guide you along your optimal path — and execute the strategy for you.

102 plans from 6 schemes analysed in seconds
78 conditions mapped, costed, and coverage-checked
Gap cover matched to your specific risk profile
Annual October review — automatic, personalised
Ready? We execute and monitor the strategy for you.

Book a free 15-minute call →

AURA self-service launches Q3 2026. Until then, a licensed advisor does it with you.

102

plans analysed per recommendation

schemes

gap policies

conditions

How we work

Clear process. No pressure. Ever.

You'll never feel sold to. We show you the numbers, explain the trade-offs, and let you decide.

Free call

15 minutes. Where you are, what's changing, what you need.

Full picture

We map your finances — health, wealth, goals, gaps.

The numbers

What we recommend, why, and what it costs. Transparent.

We handle it

You say the word. We do the rest. Paperwork, switches, done.

Your guide

We show you the trade-offs. You make the call.

Eldon de Waal, Chartered Financial Analyst

Founder · Financial Planner

Financial advice should be clear, honest, and accessible. Most South Africans either can't access quality advice or don't trust the advisor they have — because that advisor is tied to a bank or a product provider. We're neither.

Our goal is to delight you and take away the pain and uncertainty of making financial decisions and maintaining them. We use technology and AI to maximise efficiency, delivered via the channel of your choice.

We will never tell you what to do. Nobody likes that. Instead, we present decisions as a series of relevant trade-offs that you can relate to. Is it worth R5,000/mo more to cover R35,000/yr of day-to-day costs? You decide. Our job is to make sure you have the numbers, the context, and the clarity to decide well.

The result: a financial plan that you own, because you built it.

CFA Charterholder Key Individual FSP 53208 Compliance by Masthead

Your data. Your security.

Built to be the safest way to do business.

We have developed our infrastructure to be the safest possible method of doing business, transmitting, and storing data. Your digital security and data safety is our highest priority. All communication is encrypted. All data is stored in compliance with POPIA. All advice is logged and auditable.

Disclosure

How our advice works.

Silverhurst Wealth Partners is a licensed FSP (53208), authorised to provide automated advice for certain FAIS categories. Information received on the AURA platform should be considered educational in nature.

Prior to the conclusion of any product transaction, you will sign a Record of Advice (ROA) which has been reviewed and approved by a licensed human advisor. Financial advice is formally communicated via the ROA and is accepted by you upon signature and successful implementation.

Coming home.Starting out.Starting over.