--- title: Our Services — Elias Baloyi Advisory description: Expert financial planning services in Rosebank, Johannesburg. Retirement, investments, business assurance, employee benefits, and estate planning. --- [Elias Baloyi Advisory Liberty Advisory Partner](https://www.eliasbaloyiadvisory.co.za/?hsLang=za) - [Home](https://www.eliasbaloyiadvisory.co.za/?hsLang=za) - [Services](https://www.eliasbaloyiadvisory.co.za/services?hsLang=za) - [About](https://www.eliasbaloyiadvisory.co.za/about?hsLang=za) - [Insights](https://www.eliasbaloyiadvisory.co.za/insights?hsLang=za) - [Get Advice](https://www.eliasbaloyiadvisory.co.za/contact?hsLang=za) ![Liberty Standard Bank Group — Authorised FSP No. 2409](https://www.eliasbaloyiadvisory.co.za/hs-fs/hubfs/elias-baloyi-advisory/liberty-logo-sbg-horizontal-2024-blue-rgb-fa-transparent_small.webp?width=130&name=liberty-logo-sbg-horizontal-2024-blue-rgb-fa-transparent_small.webp) What We Do # Our Financial Services Five specialist service areas, one trusted team. Every solution is personalised and backed by Liberty Group. [Retirement Planning](https://www.eliasbaloyiadvisory.co.za/services#retirement) [Investment Strategies](https://www.eliasbaloyiadvisory.co.za/services#investments) [Business Assurance](https://www.eliasbaloyiadvisory.co.za/services#business) [Employee Benefits](https://www.eliasbaloyiadvisory.co.za/services#employee) [Estate Planning](https://www.eliasbaloyiadvisory.co.za/services#estate) Service 01 ## Retirement Planning Retirement planning is one of the most important financial decisions you will make. It requires more than simply contributing to a pension — it requires a clear strategy aligned to your long-term goals. A Sound Retirement Plan Considers: - **Your Lifestyle:** Defining your desired income and activities in retirement. - **Inflation & Risk:** Protecting your purchasing power against market volatility. - **Tax Efficiency:** Structuring contributions and withdrawals to minimise tax. - **Estate Planning:** Ensuring your wealth is transferred according to your wishes. Our Approach: A Roadmap to Retirement We don't just sell products — we build strategies. 1 **Understand** We listen to your goals and assess your current financial picture. 2 **Strategise** We construct a diversified, tax-aware plan that balances growth with the flexibility you need. 3 **Adapt** We provide ongoing reviews to keep your plan aligned with life's changes. While retirement vehicles offer valuable tax benefits, we ensure these are balanced against your need for liquidity and broader investment opportunities. The objective is not only tax efficiency, but also sustainability. Ready to see if you are on track? [Plan My Retirement →](https://outlook.office.com/bookwithme/user/c6bddbe32b8047419f0fa5ad5d855f48%40liblink.co.za?anonymous&ismsaljsauthenabled) Service 02 ## Investment Strategies Grow your wealth with purpose and discipline. We analyse your existing assets, tax position, income needs and long-term aspirations — then build a diversified strategy that performs across market cycles. - Unit Trusts & Collective Investment Schemes - Tax-Free Savings Accounts (TFSA) - Local & Offshore Equity Portfolios - Endowment Policies for Tax Optimisation - Regular Review & Rebalancing Service [Discuss My Investments](https://www.eliasbaloyiadvisory.co.za/contact?hsLang=za) Service 03 ## Business Assurance Protect your business from events no one can predict. The sudden death or disability of a key person, partner or director can devastate even the most profitable company. We design tailored assurance structures that keep your business solvent and stable. **Key Person Assurance**Cover the financial loss caused by death or disability of a vital team member. **Buy-and-Sell Agreements**Fund the purchase of a deceased partner's share without cash flow strain. **Contingent Liability Cover**Protect the business from personal suretyships of deceased partners. **Business Overhead Cover**Keep fixed costs paid during an owner's temporary disability or illness. [Protect My Business](https://www.eliasbaloyiadvisory.co.za/contact?hsLang=za) Service 04 ## Employee Benefits Your people are your greatest asset — invest in them. We design and manage group employee benefit solutions for businesses of all sizes — structured to meet your budget, align with your HR strategy and deliver real value to your employees. - Group Life & Disability Cover - Group Provident & Pension Fund Administration - Employee Wellness Programmes - Ongoing Employee Financial Education [Set Up Employee Benefits](https://www.eliasbaloyiadvisory.co.za/contact?hsLang=za) Service 05 ## Estate Planning Ensure your legacy reaches the right people, in the right way. Without a proper estate plan, your family may face costly delays, unnecessary taxes and legal disputes. We work with estate attorneys and Liberty Group specialists to create a comprehensive, legally sound plan. **Will Drafting & Review**A valid, updated will is the cornerstone of every estate plan. **Trust Structuring**Inter vivos and testamentary trusts to protect assets and provide for dependants. **Estate Liquidity**Ensure sufficient liquid assets to cover taxes, fees and costs at death. **Beneficiary Nominations**Correctly nominated beneficiaries on all policies and retirement products. [Plan My Estate](https://www.eliasbaloyiadvisory.co.za/contact?hsLang=za) ## Every Journey Begins with a Conversation Book your free, no-obligation financial review and take the first step towards lasting financial security. [Book a Free Consultation](https://www.eliasbaloyiadvisory.co.za/contact?hsLang=za) Elias Baloyi Advisory Liberty Advisory Partner Helping South Africans build lasting financial security through personalised, expert advice — backed by the strength of Liberty Group. ![Liberty Standard Bank Group — Authorised Financial Services Provider FSP No. 2409](https://www.eliasbaloyiadvisory.co.za/hs-fs/hubfs/elias-baloyi-advisory/liberty-logo-sbg-horizontal-2024-white-rgb-fa-blue.jpg?width=160&name=liberty-logo-sbg-horizontal-2024-white-rgb-fa-blue.jpg) [LinkedIn](https://www.linkedin.com/in/elias-baloyi) YouTube Facebook TikTok This website provides general information only and does not constitute financial, tax, legal, or investment advice. Personalised advice will be provided only after a formal financial planning process. **Elias Baloyi** is a financial adviser authorised to provide advisory and intermediary services on behalf of **Liberty Group Limited (FSP No. 2409)** in terms of the FAIS Act. We respect your privacy and process personal information in accordance with POPIA. #### Services [Retirement Planning](https://www.eliasbaloyiadvisory.co.za/services#retirement) [Investment Strategies](https://www.eliasbaloyiadvisory.co.za/services#investments) [Business Assurance](https://www.eliasbaloyiadvisory.co.za/services#business) [Employee Benefits](https://www.eliasbaloyiadvisory.co.za/services#employee) [Estate Planning](https://www.eliasbaloyiadvisory.co.za/services#estate) #### Company [About Us](https://www.eliasbaloyiadvisory.co.za/about?hsLang=za) [Insights & News](https://www.eliasbaloyiadvisory.co.za/insights?hsLang=za) [Contact Us](https://www.eliasbaloyiadvisory.co.za/contact?hsLang=za) [Book a Consultation](https://www.eliasbaloyiadvisory.co.za/contact?hsLang=za) #### Contact Us [+27 61 744 6435](tel:+27617446435) (Elias) [+27 72 422 2034](tel:+27724222034) (Charlotte) [010 245 7169](tel:0102457169) [elias.baloyi@liblink.co.za](mailto:elias.baloyi@liblink.co.za) [charlotte.tshabalala@liblink.co.za](mailto:charlotte.tshabalala@liblink.co.za) The Mall Offices, 2nd Floor, 11 Cradock St, Rosebank © 2026 Elias Baloyi Advisory. All rights reserved. [Privacy](https://www.eliasbaloyiadvisory.co.za/privacy-policy?hsLang=za)  ·  [Terms](https://www.eliasbaloyiadvisory.co.za/terms?hsLang=za)  ·  [FAIS Disclosures](https://www.eliasbaloyiadvisory.co.za/fais-disclosures?hsLang=za) This website provides general information only and does not constitute financial, tax, legal, or investment advice. Personalised advice will be provided only after a formal financial planning process. Elias Baloyi is a financial adviser authorised to provide advisory and intermediary services on behalf of Liberty Group Limited (FSP No. 2409) in terms of the Financial Advisory and Intermediary Services Act. We respect your privacy and process personal information in accordance with the Protection of Personal Information Act (POPIA). Chat on WhatsApp Request a Call ✕ ### Request a Call Back Leave your details and we'll call you within one business day. Your Name Phone Number Best Time to Call Select a time... Morning (8am - 12pm) Afternoon (12pm - 5pm) Any time Preferred Adviser No preference Elias Baloyi Charlotte Tshabalala Request Call Back Request received! We'll call you shortly. Our team will be in touch within one business day. or contact directly via WhatsApp [WhatsApp +27 61 744 6435](https://wa.me/27617446435?text=Hi%20Elias%2C%20I%27d%20like%20to%20request%20a%20call%20back.)