Stabilita
Risk and Planning Consultants
We help families and business owners across the Western Cape with risk cover, retirement, investments and medical aid.
Bellville-based since 2008
We are a small firm of financial advisers. We help people work out what cover they need, what they can afford to retire on, and how their family would manage if something went wrong.
HJ and K Malherbe started Stabilita in 2008 and still run it. You deal with the same people year after year, not whoever happens to answer the phone.
We are an authorised financial services provider. Because we handle risk cover, employee benefits, retirement, investments, medical aid, short-term insurance and estate planning in one place, we can see how a change in one affects the others.
Financial planning & advice
Change one part of a plan and it usually affects another, so we look at them together rather than one at a time.
Financial Needs Analysis
A full or limited look at where you stand: income, debt, cover, and what would happen to your family if something changed. Everything else starts here.
Personal Risk Planning
Life, disability, income protection and dread disease cover. We go through the wording with you so you know what is covered before you need to claim.
Business Risk Planning
Buy and sell agreements, keyperson cover and contingent liability. The aim is that the business survives losing an owner or someone it depends on.
Employee Benefits
Group life, disability, income protection, dread disease and funeral cover for your staff, set up and reviewed as the team changes.
Retirement Planning & Funding
Retirement annuities, pension, provident and preservation funds for individuals and employer groups, then living, life or hybrid annuities to draw an income once you stop working.
Investments & Savings
Guaranteed growth and income plans, endowments, unit trusts and tax-free savings, matched to your timeline and how much risk you are comfortable with.
Healthcare Benefits
Medical scheme and gap cover chosen around how your family actually uses healthcare, not around the brochure.
Short-Term Insurance
Personal and business lines. Vehicle, home, contents and commercial cover, placed and reviewed alongside the rest of your plan.
Estate Planning & Wills
Drafting your will, planning the estate, and handling the administration afterwards so your family is not left to work it out on their own.
Book a consultation
Give us a call, or send a message and we will get back to you.
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103 Lincoln Street, Loevenstein
Bellville, Western Cape
South Africa - +27 21 913 5199
- Email to be confirmed
- Office hours to be confirmed
Our people
You deal with these people directly.
HJ Malherbe
Full name: To be confirmed
Expertise: To be confirmed
Email: To be confirmed
K Malherbe
Full name: To be confirmed
Expertise: To be confirmed
Email: To be confirmed
Rudi
Surname: To be confirmed
Expertise: To be confirmed
Email: To be confirmed
Regulatory information
Stabilita Risk and Planning Consultants
Registration number 2008/185352/23
An Authorised Financial Service Provider – FSP37149
Registered address: 103 Lincoln Street, Loevenstein, Bellville, Western Cape, South Africa.
Stabilita is licensed under the Financial Advisory and Intermediary Services Act 37 of 2002. Details of licensed product categories, the representatives authorised to act, and applicable fee and commission arrangements are disclosed in writing before advice is given.
- PAIA manual available on request
- POPIA privacy notice
- Complaints procedure
- Conflict of interest policy