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.

Backed by a licensed FSP,
delivered honestly and transparently.

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
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
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 — compared through AURA, with advice from a licensed adviser
  • 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
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

Medical aid and gap cover, compared in a short conversation across the 153 plans on our panel: what each one costs your household, and what it gives up.

Powered by AURA →
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 & gap cover

AURA, built by Silverhurst. Medical aid and gap cover, compared for your household.

LIVE NOW

Most of us chose our medical aid years ago and haven't looked since. AURA does the reading for you.

In a short conversation it narrows every plan on our advisory panel to the ones that fit your household, and shows you what each one gives up. Then Eldon checks it with you before anything happens.

  • 153 plans across 6 medical schemes on our panel
  • 36 gap cover policies
  • 78 conditions mapped to what each plan covers
  • About 10 minutes. Free, no obligation.
Check your cover at hi-aura.co.za →
Prefer to talk? Book a free 15-minute call.
Medical aid and gap cover advice is given by Eldon de Waal, CFA, a Supervised Representative of Approach Administration (FSP 23579).
153
medical aid plans on our panel
6
schemes
36
gap policies
78
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.
01

Free call

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

02

Full picture

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

03

The numbers

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

04

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

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 for security.

All communication is encrypted. All data is stored in line with POPIA. Every recommendation is logged and auditable.

Disclosure

How our advice works.

Silverhurst Wealth Partners (Pty) Ltd is a licensed FSP (53208) and builds and runs AURA. Medical aid and gap cover advice is given by Eldon de Waal, a Supervised Representative of Approach Administration (Pty) Ltd, FSP 23579, which is responsible for that advice.

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.

At a turning point?
Let's get you sorted.

Book a free 15-minute call. No obligation. No pressure. Just a conversation about where you are and what's possible.

Book a free call →