Freddie Le Roux

With 20 years of experience in the finance industry, I am well equipped to address my clients' financial needs and exceed their expectations. My passion lies in helping as many individuals and businesses as possible secure their financial futures through a comprehensive, holistic planning process.

My extensive banking career focused on working with SMEs and entrepreneurs, honing my expertise in addressing the unique financial requirements of self-employed individuals. This specialization sets me apart in this niche market.

As a husband and father of two young children, I also specialize in family financial planning, encompassing estate planning for legacy purposes.

I have completed the Regulatory Exam (RE5) for financial service representatives and the Higher Certificate in Financial Planning (NQF 5), along with the required supervision requirements. During my tenure at Standard Bank, I completed the National Certificate in Banking Services NQF 5.

I represent Envestpro, a Liberty affiliate for the past 25 years, which was honoured as Liberty's National Distribution Partner of the Year for 2023.

My value proposition is to deliver world-class professional service using cutting-edge technology to create customized, tailor-made financial solutions that meet each client's unique needs.

Does stillness feel strange?

When was the last time you just… stopped? Not to check your phone. Not to plan your next move. Not to squeeze in one more errand or scan your to-do list. Just… stopped. Stillness can feel foreign these days, like something reserved for a retreat or a rare weekend escape. But more than ever, stillness […]

Spotting gaps and overlaps

At first glance, many people often think that diversification is a strategy that focuses on spreading their money around a bit. But it’s about so much more than that; it’s about intentional design, making sure your investments and financial structures work together to support your life goals. And this is where we encounter more complex […]

When your goals change… or chase you!

Have you ever set a goal, or set of goals for yourself? And… when life changed and those goals were no longer relevant or attainable, what did you do? One of the most underrated challenges in financial and life planning isn’t setting goals… it’s managing them when life changes! We’re often told to set smart, […]

Are you diversified… or just busy?

We often hear investors say, “I’ve spread my risk — I’m well diversified.” But when we take a closer look, their portfolios tell a different story. We often find overlapping funds, highly correlated assets, exposure to similar sectors, or a long list of holdings that feel diverse but tend to move in the same direction […]

The costs of cancer

A cancer diagnosis is more than a medical event. It touches every part of life; physically, emotionally, spiritually, relationally… and financially. No one wants to think about money when facing something as deeply personal and life-altering as this. But the financial implications of cancer are very real, and often, they catch people off guard. The […]

Why rebalancing your portfolio matters — and how it works

Rebalancing doesn’t get much airtime. It doesn’t come with dramatic headlines or adrenaline-fueled decisions. But behind the scenes, it plays one of the most important roles in long-term investing: keeping your portfolio honest. Think of your portfolio like a garden. You plant with intention — a mix of investments that reflect your goals, your risk […]

True wealth takes time

Wealth doesn’t happen in a moment. It’s easy to think otherwise when social media is filled with crypto booms, overnight stock picks, and stories of windfalls that seem to turn ordinary people into millionaires. But behind most real, lasting wealth is something far less flashy: time, patience, and consistency. In his book Stocks for the […]

Waiting for the “perfect” moment

There’s a story many investors tell themselves: “I’ll wait until things calm down.” Or “Let me just see what the market does after the next election.” Or “Now isn’t the right time, I’ll invest when things look better.” It sounds sensible. After all, no one wants to invest right before a downturn. But the reality? […]

Retirement, Readiness, Reality

Is it tough to talk about retirement because we haven’t saved enough… or because we’re not comfortable with getting older? It’s an insightful question and helps us begin to understand why so many people delay the conversation altogether. Retirement hesitancy sits on two sides of the same coin: financial readiness and emotional readiness. On the […]

Rethinking risk tolerance

Most people think of risk tolerance as a score, something you get from ticking boxes on a questionnaire. Conservative. Balanced. Aggressive. Or a mixed blend. However, the truth is that risk tolerance isn’t static. It’s not a number etched in stone or a label that defines you forever. It’s a living, evolving measure that is […]

Medical Cover & Gap Cover

We are able to advise on a wide and diverse range of Medical Cover and Gap Cover products that will suit almost any budget. These products range from cover for basic hospital stays through to full, comprehensive medical aids that cover consultations with doctors, medication, glasses and other medical expenses.

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Retirement Planning and Provision

The sooner you begin to plan and save for your retirement, the sooner you can retire! The product most bought for this type of financial planning and provision is known as a Retirement Annuity (RA). Most companies have RA’s worked into their remuneration packages, but many don’t.

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Investments & Tax Free Accounts

When it comes to investing, it’s important to have a diverse portfolio. My expert knowledge and extensive investment options allow you to truly choose the very best products available to you. From low-risk, long-term investing to high-risk, short-term strategies we can mix it up or keep it conservative: investments completely tailored to who you are and where you want to go.

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Disability & Income Protection

Most households in today’s economy rely on more than one income to keep the household expenses under check, very few are able to survive on one income alone. If you were injured or disabled in some way and could no longer work, would your family be able to cope without your income?

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Life Cover

You pay tax every month to the state, but what are you paying to provide for those that you love and care about after you have gone? Life cover should not be seen as a grudge purchase but rather as an investment into the future of your spouse and children. You work hard to provide for them now, that shouldn’t have to change in the future.

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Estate Planning

Estate planning is not only for the mega-rich. If you have assets, investment policies, risk cover and more than one potential beneficiary, then I can assist you with the planning of your estate and how it will be allocated when you pass away. An estate that is left open can cause a difficult time to be even harder for those who are left behind. Often there is more work needed on a R3m estate than on one that is worth R20m!

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Critical Illness

These products are also known as Dread Disease Cover. Advances in medical care mean that more people can now survive illnesses once thought to be fatal. However, although many individuals lead relatively normal lives, they no longer enjoy the same mobility or good health. The best medical treatment can cost you and your diminished ability to work could force you to make severe lifestyle changes.

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Retrenchment Benefit

Have you thought about what you and your family will do if you are retrenched? If it hasn’t happened to you, you probably know someone who’s been retrenched. In these tough economic times, it’s one of the most understandable fears. You want to be protected if you’re faced with retrenchment or liquidation.

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Corporate Benefits

Group Life, Pensions and Provident Funds remain an essential part of a well run business. I will tailor your company’s pension and provident funds for you, using the most appropriate corporate providers to tender for the risk benefits and the retirement benefits separately – ensuring cost effective and customer specific corporate benefits.

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Business Assurance

Will your business survive if you are disabled, die or become impaired or what would the consequences be if this happened to one of your partners? Together we can design flexible and comprehensive solutions to meet your business assurance needs, utilising Key-Man policies and Buy-and-Sell agreements where appropriate.

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ARE YOU SAVING ENOUGH?

How healthy is your financial plan when it comes to saving and provisioning funds for the future? Digital technology and our diverse economic systems and policies have increased our options both for investment and for risk protection. This is an arena that is constantly changing, growing rapidly and needs to be monitored regularly – which is one reason for having your own financial planner!

WHO DO YOU CHOOSE?

If you have never worked with a financial advisor before, you may find yourself overwhelmed by the choice, confused by the jargon and frustrated at the cost! But in the same way you wouldn't service your own car, it's good to have someone you trust to advise and guide you to make healthy decisions about your wealth.

CREATE WINNING STRATEGIES

Aside from being an expert in the money game and having a keen sense of the conditions and lay of the financial landscape, winning strategies are born inside of a relationship of trust, mutual understanding and a commitment to strive for the same goals. Your financial advisor should bring you peace-of-mind and help you maintain control of your finances.

Dealing with Freddie is always a pleasure. On time for appointments and willing to make a plan in all our busy schedules.Freddie will go the extra mile for his clients and I have had the pleasure of taking two policies with Liberty after working with him. His advice is to the point and always in the best in interest of your future. My experience has been so good that my fiancée has also worked with Freddie. If you are seeking financial guidance look no further.

Nathan Goldberg

I had the pleasure of dealing with Freddie whilst setting up a tax-free savings investment to help diversify my savings strategy. Freddie was a consummate professional and guided me through the process with great care. He assisted and advised on strategies to maximize my earnings and was extremely knowledgeable about general financial issues and ably answered any questions I had. The application process was a breeze and Freddie went out of his way to make things as easy as possible for me.

I would highly recommend Freddie for any financial advice and products you may need.

Sean Goldberg

Planning Manager

I have known and worked with Freddie for the past 7 years. He is a consummate professional in the Financial Services environment, by always placing the interest of his client first. In addition he goes the extra mile to find the best solution for his client (business and personal). He is reliable, honest and treats all client information in the strictest of confidence. We have developed a great partnership over the past, and I look forward to our continued association for many years to come.

David Brien

Retail Dimensions

Recently my husband and I were interested in taking out a tax free savings policy, Freddie was extremely helpful, friendly, polite and professional in all his dealings with us. He went through all the options available and guided us to the best option suited to our needs.

I look forward to dealing with Freddie for many more years as we assess our portfolio's.

Rosemary Goldberg

My knowledge of financial planning was very limited until... 'Financial Freddie'. Freddie has been more than fantastic to work with, so accommodating of my time as well as my lack of knowledge when it comes to financial planning. I would definitely do another policy with Freddie in the near future. I would most certainly recommend Freddie to anyone seeking financial advice!

Kirsten Hockey

Freddie Le Roux is more than just financial advisor. His expertise in looking after one’s portfolio brings comfort and assurance always. He treats his clients 100% professionally however his kind and caring nature makes him a dream to work alongside. He explains everything in great detail and ensures one is always well informed to make the best possible decision. He is always just a phone call away and willing to go the extra mile. Freddie provides endless support and I gladly refer him as a trusted and knowledgeable advisor.

Lauren De Swardt

Kids Emporium CEO

Don't let financial decisions limit their dreams.

Let's chat about what matters most.

It's about creating moments not money.

Spend your time doing what inspires you.

“To improve is to change; to be perfect is to change often.”

EXPERT FINANCIAL ADVISOR

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“It is in your moments of decision that your destiny is shaped.”

YOUR FINANCES

Medical Cover & Gap Cover

Retirement Planning and Provision

Investments & Tax Free Accounts

Disability & Income Protection

Life Cover

Estate Planning

Critical Illness

Retrenchment Benefit

Corporate Benefits

Business Assurance

“Life shrinks and expands on the proportion of your willingness to take risks and try new things.”

ARE YOU SAVING ENOUGH?

WHO DO YOU CHOOSE?

CREATE WINNING STRATEGIES

TESTIMONIALS

Nathan Goldberg

Sean Goldberg

David Brien

Rosemary Goldberg

Kirsten Hockey

Lauren De Swardt

“We make a living by what we get, but we make a life by what we give.”

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DISCLAIMER

Don't let financial decisions
limit their dreams.

Let's chat about
what matters most.

It's about creating moments
not money.

Spend your time
doing what inspires you.