About Us
Value Proposition
Financial Planning
Financial Planning
Protect your Wealth
Build your Future
Financial Planning
Financial Planning
Financial Planning
Wealth Protection
vs
Wealth Creation
Our Services
Financial Planning
Our Services
Here's how we can assist
Why Us?
Financial Planning
Our Services
We combine personal attention, technical expertise, and product neutrality to ensure you receive advice that is tailored to your specific needs
Value Proposition
At CDT Investments, our team is a collective of passionate, experienced, and independent financial professionals dedicated to one purpose: empowering you to build, protect, and preserve your wealth — with clarity and confidence.
By working collaboratively, we ensure that every client — whether an individual, family, or business — receives personalized advice rooted in independence, integrity, and insight.
Choosing CDT Investments means more than just receiving a financial plan — it means gaining a long-term financial partner committed to your success. We don’t sell products; we craft strategic solutions based on real needs, real goals, and real lives.
We believe financial advice should be empowering — not overwhelming. With us, you get more than expertise — you get partnership, peace of mind, and a plan that works.
Let us help you take control of your financial journey — with trusted professionals by your side, every step of the way.
Financial Planning
Comprehensive Personal & Business Financial Planning:
At CDT Investments, we provide holistic financial planning solutions designed to empower both individuals and businesses to achieve lasting wealth protection and wealth creation. Our process is grounded in the globally recognized 6-step Financial Needs Analysis (FNA) framework, ensuring that every recommendation is customized, strategic, and sustainable.
What is Financial Planning?
Financial planning is the structured process of an individual or business’s current financial situation, setting long-term objectives, and creating a plan to achieve those goals. This includes managing cash flow, risk, investments, taxation, retirement, estate planning, and business succession.
We distinguish between two core areas:
1. Personal Financial Planning
This focuses on the individual or household's financial wellbeing, covering:
- Risk Protection (life cover, disability, critical illness)
- Medical and Health Insurance
- Short-term Insurance (car, household, valuables)
- Savings and Investments
- Retirement Planning
- Estate Planning and Wills
2. Business Financial Planning
This focuses on ensuring the financial stability and continuity of a business, including:
- Key Person Insurance
- Buy & Sell Agreements
- Group Benefits for Employees
- Business Succession Planning
- Business Interruption and Risk Cover
- Corporate Investment Strategies
- Tax-efficient Structures
Our 6-Step FNA Process
We apply the 6-step FNA process as recommended by international best practices and regulatory guidelines, tailored to each client’s unique situation
Our Services
1. Short-Term Insurance
Protecting your assets against unexpected loss or damage.
Personal Cover includes:
- Vehicle Insurance
- Homeowners (building) Insurance
- Household Contents Insurance
- Portable Possessions (e.g. phones, jewelry, laptops)
Business Cover includes:
- Commercial Property Insurance
- Business Interruption
- Fleet & Equipment Cover
- Liability Insurance
2. Risk Protection
Ensuring your family or business is financially secure if something happens to you.
We offer:
- Life Cover
- Disability Cover
- Critical Illness (Dread Disease) Cover
- Income Protection
3. Investments
Helping you grow your wealth through smart, diversified investment strategies.
Options include:
- Tax-Free Savings Accounts (TFSAs)
- Unit Trust Portfolios
- Retirement Annuities
- Endowments
- Offshore Investments
- Custom Portfolios (personal or corporate)
4. Medical Aid & Gap Cover
Access to quality healthcare solutions that suit your needs and budget.
Services include:
- Medical Aid Schemes (e.g. Discovery, Momentum, Bonitas, etc.)
- Gap Cover
- Hospital Plans
- Group Medical Cover for Businesses
5. Wills & Estate Planning
Planning for the efficient transfer of your assets and protecting your loved ones.
Services include:
- Drafting of Wills
- Estate Duty Planning
- Trust Formation
- Executor Services
- Business Succession Planning
6. Business Financial Planning
Tailored financial solutions to protect and grow your business.
Business-specific services:
- Key Person Cover
- Buy & Sell Agreements
- Employee Group Benefits (risk & retirement)
- Director Shareholder Protection
- Business Overhead Protection
- Company Investment Strategies
Why us?
CDT Investments is a forward-thinking financial services company dedicated to holistic financial planning for both individuals and businesses. We specialize in wealth protection and wealth creation, helping clients secure their present and build a prosperous future with confidence.
Our approach is rooted in personalized advice, long-term relationships, and solutions tailored to your life or business journey. We simplify financial complexity and provide the tools you need to make empowered decisions.
Whether you’re planning for tomorrow or protecting what matters today, CDT Investments is here to help you make the best financial decisions — every step of the way.