A shepherd’s purpose is to protect, guide and guard.

Just as a shepherd cares for their flock, our vision is to guide, grow, and protect your financial future—with expertise and kindness.

Hector Viljoen

Director & Financial Planner CA (SA)

Financial Planning & Coaching
Tax Planning
Investment Strategies

B Acc - University of Stellenbosch
B Acc Honors - University of Stellenbosch
Chartered Accountant
Postgraduate Diploma in Financial Planning - University of the Free State

Over 12 years experience
Key Individual, Representative and Director

Protect | Guide | Grow

EXPLORING YOU

Most financial plans begin and end with the products. Your plan needs to begin and end with You.

CREATE CHOICES

Having asked the right questions about your life, we will research and create the financial choices that you can choose to best suit you.

CHOOSE

With a clear understanding of who you are, and what you want, you can make powerful and informed choices.

REVIEW AND ENHANCE

Your life will keep changing, and you should be able to change your choices too. We can review your plan and enhance it when needed by exploring, creating and choosing.

YOUR FINANCES

Helping you choose the right products to create a portfolio that will fit the life you want to plan


Every shepherd benefits from understanding the landscape around them, and the same is true of your financial situation. With the ability to view your Financial Life on a single page you will have a clear vision of what’s important to you.

“To remember nature, spend a day with a shepherd;
to remember yourself, spend a day with nature!”

― Mehmet Murat Ildan

INDUSTRY PARTNERS

"Walk humbly. Act justly. Love mercy.”

Micah

LATEST BLOGS

adding context to your choices

Does stillness feel strange?

When was the last time you just… stopped? Not to check your phone. Not to plan your next move. Not to squeeze in one more errand or scan your to-do list. Just… stopped. Stillness can feel foreign these days, like something reserved for a retreat or a rare weekend escape. But more than ever, stillness is essential. It’s not a luxury or an indulgence. It’s one of the most powerful tools we have to reconnect with […]

Spotting gaps and overlaps

At first glance, many people often think that diversification is a strategy that focuses on spreading their money around a bit. But it’s about so much more than that; it’s about intentional design, making sure your investments and financial structures work together to support your life goals. And this is where we encounter more complex challenges: most portfolios grow over time, often in layers. You buy a fund here, open a retirement account there, add a […]
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