Constant Management is an independent financial planning firm based in Stellenbosch. We work with individuals, families and businesses on risk planning, wealth planning, guided by the six-step financial planning process of the Financial Planning Institute.
Life cover, disability, severe illness and income protection, alongside short-term insurance for personal and commercial cover. Structured to align with your obligations and your stage of life.
Investment strategy, retirement planning, estate structuring and tax-efficient capital management across local and offshore portfolios.
As an Independent Financial Advisory (IFA), we are not tied to a bank, an insurer or an asset manager. Our recommendations are based on what fits your circumstances, not on a panel of preferred products or a head-office mandate.
The practice is led by Louw, Schutte and Wikus Venter, three financial planners working alongside a small team of product, insurance and operations specialists. You work with the same advisor over time, with continuity in the work and in the relationship.
We follow the six-step financial planning framework endorsed by the Financial Planning Institute. The same process is applied to every client engagement, from first meeting through ongoing review.
Endorsed by the Financial Planning Institute.
Scope of advice, mutual expectations and terms of work agreed in writing.
A full picture of your financial position, obligations and objectives.
Existing structures reviewed against goals, with gaps and inefficiencies identified.
A written plan with clear rationale, costs and expected outcomes.
Execution managed by our team, with you informed at each step.
Scheduled annual reviews and life-event check-ins to keep the plan current.
Our advisors' work is supported by an in-house team covering product, short-term insurance, planning and administration.
Over two decades of experience in financial planning, with depth across global risk management and long-term wealth structuring. Postgraduate Diploma in Financial Planning. FPI member since 2004, holding the Certified Financial Planner designation.
Close to a decade advising clients on risk management and wealth creation. Highly engaged, consultative approach combining strong client relationships with careful analysis. Guided by the six-step planning process endorsed by the FPI.
Analytical foundation in investment management and personal financial planning. Degree in Investment Management and Postgraduate Diploma in Financial Planning from Stellenbosch University. Considered alignment of investment strategy with long-term objectives.
Short-Term Insurance Specialist
Over a decade specialising in personal and commercial short-term insurance. Meticulous approach to risk assessment, ensuring cover is clear, appropriate, and aligned with broader financial and business needs. Studies in Financial Services at Milpark Business School.
A 45-minute introductory consultation, in person or by video call. There is no fee and no obligation. The purpose is to determine fit on both sides before any engagement.
The Vineyard Office Park
Building 2, Devon Valley Road
Stellenbosch · 7600
