You think your retirement is safe. The math might disagree.
Protecting Your Legacy. Engineering Your Wealth. Discover if your capital will outlive you, and how to fix it if it won't.
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The Interactive Actuarial Engine
A bold claim requires concrete math. Adjust the sliders below to see precisely when your capital might face the "cliff" based on current withdrawal rates. View all calculators (retirement, tax, estate, life insurance, Everest Wealth).
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See how to extend your capital lifespan: exact year-by-year trajectory, tax implications, and inflation adjustments. Enter your details to generate the PDF.
Bypass the Public Markets. Secure Fixed-Return Private Equity.
Everest Wealth structured products. Targeted yields (not guarantees). Available through AS Brokers (FSP 17273), Category 1.8.
The Code 1.8 Advantage
Most brokers can only advise on unit trusts linked to the volatile JSE. AS Brokers holds an FSCA Category 1.8 license (Securities and Instruments: Shares), so we are authorised to advise on unlisted, high-yield private market capital, including Everest Wealth structured products and the Amethyst Living Annuity.
Albert Schuurman
Co-founder
Short Term Business and Investment Specialist.
Johnny Farinha
Co-founder
Short term business Insurance Specialist.
Comprehensive Risk Architecture
Standard insurance and risk solutions. Foundation protection so you can focus on wealth generation.
Why AS Brokers
Independent advice, full-service planning, and a team that stays in your corner.
100% Independent
Authorised Category 1.8 Advice. We're not tied to a single product house. Our advice is built around your goals, not quotas.
Our solutions →Zero Advice Fees on Investments
No advice fees on investments. Retirement, living annuities, and Code 1.8 alternative investments under one roof.
Calculators and tools →Personal Concierge Service
No call centres. You deal with experienced advisers who know your file. A true concierge relationship.
Start a conversation →Client voices
What people say
Notes from families and business owners on investments, insurance, and retirement. Scrolls on its own; pause by hovering the strip.
“Albert helped us untangle the living annuity properly. First time someone explained the numbers without making me feel stupid.”
“Business insurance was a headache. Johnny sat with us, fixed the key-man cover, and we actually understand what we're paying for now.”
“Het nie verwag ek sou so geduldig met my aftree-plan gehelp word nie. Johnny het elke stap uitgeskryf. Baie dankie.”
“Fixed-income side of things. Albert walked us through the Everest paperwork without pushing. Felt like proper advice.”
“Small business owner. Insurance finally makes sense. Cheers guys.”
“Dis nie elke dag jy iemand kry wat regtig luister nie. Albert het ons erfbelasting-vrae rustig hanteer sonder paniek.”
“Johnny's looked after us for years: investments, estate stuff, the lot. Still answers his own phone. That counts.”
“I was wary of the alternative investment angle. They showed risks upfront, no glossy sales pitch. Good experience.”
“Business interruption claim went smoother than I expected. They knew who to speak to at the insurer.”
“Retirement felt like a mountain. Albert broke it into small steps. We're actually on track now.”
“Johnny het my man se besigheidsdekking hersien. Ons het gatte in die polis gehad sonder dat ons dit geweet het. Nou slaap ons beter.”
“Local, independent, no call centre nonsense. Exactly what we wanted from an FSP.”
Insights & Education
Thought leadership on retirement, estate planning, and wealth so you stay ahead.
Fire in the Strait: The Fuel Crisis Rewriting South Africa’s Inflation Story
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Read more →The Number That Could Ruin Your Retirement | Part 2: Inflation Series
Why South Africa’s 3% headline CPI is dangerous for a 20-30 year retirement plan - the rate you should use instead.
Read more →The Inflation Illusion — Part 1: Why South Africa's Official Numbers Don't Match Your Bank Statement
Why South Africa's official CPI sits at 3% while your medical aid, fuel, and groceries tell a different story.
Read more →The 104 Week Watch Challenge
The 104 Week Watch Challenge is a two-year accountability journey focused on exercise
Read more →Ready for a conversation?
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