WEALTH BUSINESS Employee Benefits Consulting
Frontier Employee Benefits provides its clients with objective advice focusing on member wellbeing.
Employee Benefits has evolved into a seemingly complex environment in South Africa. Each employer has different needs, as does each member. At Frontier Employee Benefits, we limit complexity and focus on the needs of the member while reducing the need for day-to-day involvement of the employer. The core of our methodology resides in effective communication and modeling solutions around the members’ needs. To create a risk and investment portfolio, we map out the needs of each individual member and compare it to their current position. We are then able to further consult with members to assist them reach their retirement goals. Our holistic approach to employee benefits incorporates managing risk, retirement needs and healthcare, which effectively helps to mitigate immediate risk events and future income needs.
Our Philosophy
Frontier Employee Benefits provides expert financial advice to clients. Obtaining objective advice is crucial to ensure the best outcome for members of retirement funds and medical schemes. Our organisation is built around this need for independence. It allows us to create product-agnostic strategies that are the best fit for our clients.
As independent consultants, we ensure that our advice leads to the best possible scenarios for every individual that our advice impacts. We structure advice around members’ needs, working closely with the management committee of their fund and their employer. We conduct in-depth analyses of risk structures, investment strategies and communication strategies before proposing any changes to enhance value. This allows us to create evidence-based strategies.
We aim to build lasting partnerships with our clients, based on the objective of ensuring members’ financial security. This ultimately sets us apart from many employee benefits consultants in South Africa.
Our Team
We are supported by a team of administrators and consultants that have experience in both individual and institutional advice. With offices in Johannesburg and Cape Town, we are able to personally reach out to our clients, at their request. Our relationships with the majority of service providers at multiple levels ensures that we are well positioned to resolve third party issues quickly and efficiently. We operate within a flat structure, which supports effective internal communication and limits redundancies, allowing for competent contingency planning.
Service Providers
Michael Westcott
Michael holds a Post Graduate Diploma in Financial Planning from the University of the Free State and an International Capital Markets Qualification from the London Securities Institute. He is a practicing CERTIFIED FINANCIAL PLANNER® and a member of the Financial Planning Institute of South Africa. Michael started his career in the Financial Services Industry working for a Boutique Stock Broking Firm and Asset Management Company in 1998. The Appleton Group bought out this Firm and subsequently listed to become a Private Client Asset Management, Stock Broking and Financial Advisory Company, where he held the position of Investment Manager, responsible for private client funds. In mid 2002, Appleton was sold to the PSG Group and in early 2003 Michael joined the Liberty Life Management Academy as an Agency Manager. In January 2004, Michael founded Absolut Wealth Management.
Lucky Kritzas
Emmanuel holds a postgraduate diploma in Financial Planning from the University of the Free State and also qualified as a stockbroker in 1987. He is a practicing CERTIFIED FINANCIAL PLANNER® and a member of the Financial Planning Institute of South Africa. Emmanuel started his career in banking in 1973 and was appointed as Branch Manager of Trust Bank Stock Exchange in 1978. In 1979, he joined the stock broking community where he was employed as a Share Trader on the floor of the Johannesburg Stock Exchange by various firms. In 1988, he co-founded Irish & Company Inc. He left the stock exchange in 1992 and joined a Liberty Life Franchise called Business Benefits (Pty) Ltd, where he focused on Employee Benefits and Personal Financial