Cape Town · South Africa

Independent
Financial Planning
You Can Trust

Helping you grow, protect and manage your wealth - with unbiased, personalised strategies built around your life.

30+
Years of combined expertise
100%
Independent & unbiased advice
5
Comprehensive service areas
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"We believe every South African deserves access to truly independent financial guidance."
Our Philosophy

At Mc Arthur Financial Planning Services, we are not tied to any bank, insurer, or product provider. Our only allegiance is to you - our client. We provide objective advice designed to grow and protect your wealth over the long term.

From your first consultation to ongoing portfolio management, we serve as your dedicated financial partner across every stage of life.

What We Offer

A Complete Financial
Partnership

Every service you need, under one roof - delivered with transparency and expertise.

Investment Management

Actively managed portfolios tailored to your risk profile, time horizon and financial goals.

Financial Planning

Comprehensive roadmaps covering retirement, tax efficiency, insurance and future milestones.

Estate Planning

Structuring your will, trusts and legacy to protect what matters most to your family.

International Assets

Expert management of offshore portfolios and cross-border wealth across global markets.

Client Advice

Ongoing guidance and reviews - because sound decisions require a trusted advisor in your corner.

Why Mc Arthur Financial Planning Services

The Mc Arthur Difference

We do things differently - and our clients feel it.

01

Truly Independent

We earn no commissions from product providers. Every recommendation is made purely in your interest - nothing else.

02

Long-Term Thinking

We build strategies that endure market cycles, life changes and economic shifts - with your future firmly in mind.

03

One-Stop Service

From investments to estate planning, we handle every facet of your financial life so nothing falls through the cracks.

04

Personalised Strategies

No generic templates. Every plan is built around your specific circumstances, goals and risk tolerance.

05

Transparent Fees

Clear, upfront fee structures. You always know exactly what you pay and what you receive in return.

06

Ongoing Partnership

Financial planning is not a once-off event. We meet regularly, review progress and adapt as life evolves.

How It Works

The ABC Method

Our structured three-step process ensures every client receives a strategy that is thoughtful, comprehensive and built to last.

A

Analyse

We begin by deeply understanding your financial world - assets, liabilities, goals and risk appetite.

  • Full financial discovery session
  • Risk profiling & life stage review
  • Goal mapping & priority setting
B

Build

We design a bespoke financial strategy and select the right instruments to achieve your objectives.

  • Custom investment portfolio design
  • Tax & estate structure planning
  • Product-neutral selection process
C

Implement & Monitor

We execute the strategy and maintain active oversight - adjusting as markets and life circumstances change.

  • Full implementation & onboarding
  • Regular reviews & reporting
  • Proactive rebalancing & adjustments
Take the First Step

Start Your Financial Journey Today

Book a complimentary consultation and discover what truly independent financial planning can do for you.

Who We Are

Built on Trust,
Driven by Purpose

We are a team of independent financial professionals dedicated to helping South Africans build, protect and transfer wealth - without compromise.

Our Mission

Financial Clarity for Every Chapter of Life

Mc Arthur Financial Planning Services was founded on a simple but powerful belief: South Africans deserve financial advice that is free from bias, conflicts of interest and sales pressure.

Our team brings together decades of combined expertise in investment management, financial planning, tax structuring and estate law - all channelled into a single, coherent service offering for each client.

We work with individuals, families, business owners and professionals across all wealth stages - from those just beginning to build assets to established high-net-worth clients seeking sophisticated portfolio solutions.

  • Independent advice, never influenced by product providers or commissions
  • Long-term orientation over short-term gains or quick fixes
  • Radical transparency in fees, strategy and communication
  • Personalised attention - no two clients receive the same plan
  • Proactive partnership, not a transactional relationship
Our Story

Two Decades of Independent Practice

Mc Arthur Financial Planning Services was established in Tokai, Cape Town, with a clear mandate: build a practice that never compromises client outcomes for commercial gain.

Over the years, we have grown through referrals and long-standing relationships - a reflection of the trust our clients place in us. Today, we manage portfolios for clients across South Africa and internationally.

"Our growth has come from one place only - clients who trusted us enough to refer their family and friends."
- Founder, Mc Arthur Financial Planning Services
Our Principles

What We
Stand For

Unbiased Advice

We are not affiliated with any bank, insurer, or fund manager. This independence is our most valuable asset - and yours.

Holistic Thinking

We consider every aspect of your financial life: income, assets, liabilities, tax, insurance and legacy goals - together.

Education First

We believe informed clients make better decisions. We explain every strategy, product and risk in plain language - always.

Ethical Practice

We adhere to the highest standards set by the Financial Sector Conduct Authority and are proud of our clean compliance record.

The People Behind the Advice

Our Leadership Team

Experienced, qualified and deeply committed to your financial wellbeing.

Carol Anne Mills
Carol Anne Mills
Founder & Estate Planner
Investment Manager
Trust Administrator
General Tax Practitioner

Andrew Preston
Andrew Preston
Administrator

Ron Meaker
Ron Meaker
Administration of Estates

Richard Bougard
Richard Bougard
Representative

Get Started

Ready to Work With Us?

Book a complimentary initial consultation - no obligation, just a conversation about your financial future.

Our Services

Everything You Need,
Under One Roof

Five core service areas, delivered by specialists - all coordinated around your unique financial situation.

Service 01

Investment Management

We build and actively manage investment portfolios designed to grow your wealth over the long term. Unlike bank-linked advisers, we select from the full market of investment products - choosing only what's best for you.

Every portfolio is constructed around your risk profile, investment horizon, tax situation and return objectives. We monitor performance continuously and rebalance proactively.

  • Full market access - not limited to any single provider
  • Risk-profiled portfolio construction
  • Regular performance reviews and reporting
  • Proactive rebalancing through market cycles
  • Local, offshore and multi-asset class exposure
Service 02

Financial Planning

Comprehensive financial planning goes far beyond investments. We map your entire financial picture - income, expenses, debt, insurance, retirement and tax - into a cohesive, actionable roadmap.

Whether you're planning for retirement, a major life event, or simply want clarity over your finances, we provide the structure and guidance you need to move forward with confidence.

  • Comprehensive financial needs analysis
  • Retirement planning and income projections
  • Tax-efficient structuring strategies
  • Insurance and risk cover assessments
  • Education and major event planning
Service 03

Estate Planning

A well-structured estate ensures your wealth passes to your loved ones efficiently, minimising taxes, delays and family disputes. We work with qualified legal specialists to draft or review your will, set up trusts and ensure your estate is properly structured.

We help clients plan for succession, protect assets from creditors and ensure minor beneficiaries are properly provided for.

  • Will drafting and regular review
  • Administration of Deceased Estates
  • Trust formation and administration
  • Estate duty and CGT planning
  • Beneficiary nomination optimisation
  • Business succession planning
Service 04

International Asset Management

For clients with offshore assets or those wishing to diversify globally, we offer specialist international portfolio management and structuring advice. In today's interconnected world, a portion of your wealth should be positioned to benefit from global opportunities.

We navigate the regulatory requirements for SA residents holding offshore assets - ensuring full compliance while maximising international growth potential.

  • Offshore portfolio construction and management
  • SARS exchange control compliance
  • Foreign trust and company structuring
  • Currency risk management
  • Emigration and financial emigration planning
Service 05

Ongoing Client Advice

Our relationship doesn't end once your plan is in place. We provide ongoing advisory support through regular review meetings, ad-hoc consultations and proactive communication when market conditions or regulations change.

Think of us as your personal financial sounding board - available when you need guidance on a major financial decision.

  • Scheduled annual and bi-annual reviews
  • Ad-hoc financial decision support
  • Life event guidance (marriage, divorce, inheritance)
  • Market update reports and commentary
  • Tax season assistance and coordination
Next Step

Not Sure Where to Start?

Book a complimentary discovery session and we'll guide you to the right services for your situation.

How We Work

The ABC Method

A structured, proven three-stage process that transforms financial complexity into lasting clarity.

A
Step 01
Phase One

Analyse

Before we can recommend anything, we need to truly understand your world. This phase is about deep discovery - your current financial position, your aspirations, your fears and the constraints you're working within.

We believe most financial mistakes begin with incomplete information. Our thorough analysis phase ensures we have the full picture before making a single recommendation.

Financial Discovery Session

A comprehensive initial meeting covering assets, liabilities, income, expenses, insurance and existing investments.

Risk Profiling

A structured assessment of your tolerance for investment risk, time horizon and capacity to absorb market volatility.

Goal Mapping

Identifying and prioritising your short, medium and long-term financial goals - retirement, education, property, legacy.

Life Stage Review

Considering where you are in life - career stage, family situation, health and expected future changes.

B
Step 02
Phase Two

Build

With a complete picture of your financial life, we design a bespoke strategy. This is where our independence pays dividends - we are free to select the best instruments from the entire market, without any obligation to any single provider.

Every element of your plan is selected for one reason: it's the right fit for you.

Investment Portfolio Design

Constructing an asset-allocated portfolio aligned to your risk profile, across local and offshore markets.

Tax & Estate Structuring

Ensuring your wealth is held in the most tax-efficient structures, with a clear estate plan in place.

Product Selection

Independent selection of investment vehicles, retirement annuities, living annuities, ETFs and unit trusts - best of market only.

Strategy Presentation

We present your personalised plan in a clear, jargon-free document - explaining every decision and its rationale.

C
Step 03
Phase Three

Implement & Monitor

A great plan only has value if it's executed properly and maintained over time. We handle the full implementation process - opening accounts, transferring assets and coordinating with third parties - so the burden doesn't fall on you.

Once live, we monitor your portfolio actively and meet with you regularly to assess progress, make adjustments and ensure your strategy continues to serve your goals.

Full Implementation

End-to-end execution of your financial plan - account openings, transfers and administrative coordination handled for you.

Ongoing Performance Monitoring

Continuous tracking of portfolio performance against benchmarks and your personal objectives.

Regular Review Meetings

Scheduled annual and bi-annual reviews to assess your plan, review performance and incorporate life changes.

Proactive Adjustments

Rebalancing, tax-loss harvesting and strategic shifts when market conditions or your circumstances change.

Begin Phase A

Ready to Be Analysed, Built,
and Set in Motion?

The first step is a conversation. Book your complimentary discovery session today.

Get In Touch

Let's Start a
Conversation

Whether you're ready to begin or simply want to understand your options, we're here to help - with no pressure and no obligation.

Contact Information

We'd Love to
Hear From You

Reach out by phone, email, or complete the form and a member of our team will respond within one business day.

Office Address
Office Address Unit 6, 1st floor, Gabriel Place, 1 Gabriel Rd, Plumstead, Cape Town, 7801
Western Cape, South Africa
Phone
Phone +27 21 712 5410
Email
Email mcarthurfps@global.co.za
Office Hours
Office Hours Monday – Friday: 08:00 – 17:00
Appointments available on request
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