Understand Your Finances. Make Better Financial Decisions.
Your financial situation affects the decisions you make today and the opportunities available to you in the future. Consult Centa provides personal financial wellness services that help you understand where you stand financially, identify areas that need attention and make better-informed financial decisions based on your circumstances and goals. Whether you want to improve your financial position, understand your financial products, manage your money better or work towards specific financial goals, we help you gain the clarity you need to move forward.
Your Finances Are Personal. Your Support Should Be Too.
There is no single financial solution that works for everyone. Your income, expenses, debt, savings, financial products, behaviour and goals all influence the decisions you make. Our personal financial wellness approach looks at your individual circumstances rather than giving you generic financial information. We take the time to understand where you are, what you want to achieve and the financial decisions you are currently facing.
What Is Personal Financial Wellness?
Personal financial wellness is about having a clearer understanding of your financial position and being better equipped to make decisions that support your financial goals. It goes beyond simply knowing how financial products work.
Our approach considers:
- Your current financial position
- Cash flow
- Spending and saving
- Debt exposure
- Financial behaviour
- Existing financial products
- The costs and benefits of financial products
- Financial risks
- Your financial goals
- Decisions you may need to make
The aim is to help you understand your financial situation so you can make more informed decisions.
A Personal Financial Wellness Assessment
Start By Understanding Where You Stand
Before deciding what needs to change, you need to understand your current financial position. Our financial wellness assessment provides an opportunity to look at the different factors affecting your finances and identify areas that may require attention.
We consider relevant information such as:
Income & Cash Flow
Understand your current cash flow and how money moves through your finances.
Spending & Saving
Look at your spending and saving patterns and how they relate to your financial goals.
Debt
Understand your current debt exposure and how it affects your financial position.
Financial Products
Review your existing financial products and understand their costs, benefits and usage.
Financial Behaviour
Consider how your current financial behaviour may be affecting your financial position and goals.
Financial Goals
Clarify what you want to achieve and the gap between your current position and your desired position.
Financial Wellness Coaching & Personalised Engagement
Turn Financial Understanding Into Action
Understanding your finances is an important first step. You also need to know what your options are and what decisions you may need to consider. Our financial wellness coaching and personalised financial engagement helps you explore your situation and understand the decisions available to you.
We can help you:
Gain a clearer picture of where you stand financially.
Understand the financial behaviours, spending patterns, products or decisions that may be affecting your goals.
Gain a clearer understanding of the costs, benefits and use of your existing financial products.
Understand the costs, benefits and implications of a financial product before making a decision.
Understand whether your existing products continue to align with your circumstances and needs.
Understand the implications of switching, cancelling or exiting financial products where relevant.
Turn your financial intentions into practical goals and commitments.
Your Financial Products Should Make Sense to You
Do You Understand What You Are Paying For?
You may have bank accounts, insurance, investments, credit facilities or other financial products without fully understanding how they work or what they cost. Consult Centa can help you understand your existing financial products and consider how they fit into your current financial situation. We can also help you understand a new financial product before you make a decision. The focus is not simply on the product. It is on whether you understand the decision you are making and how it relates to your financial circumstances and goals.
From Financial Stress to Greater Clarity
Financial uncertainty can make it difficult to know what to do next.
You may be asking:
- Am I managing my money effectively?
- Where is my money going?
- Am I making progress towards my financial goals?
- Do I understand the financial products I currently have?
- Are there financial products I no longer need?
- What should I consider before taking a new financial product?
- What is affecting my ability to save?
- How does my debt affect my financial position?
- What should I focus on first?
Our personal financial wellness services help you explore these questions within the context of your own financial circumstances.
What You Can Gain From Personal Financial Wellness
Greater Financial Clarity
A clearer understanding of your current financial position.
Better Financial Understanding
Greater awareness of your financial products, costs, benefits and options.
More Informed Decisions
A better understanding of the implications of financial decisions before you act.
Greater Awareness of Financial Behaviour
A clearer view of how your financial behaviour may affect your goals.
A Practical Direction
Greater clarity around the actions and commitments that can help you work towards your financial objectives.
Take the Next Step Towards Financial Wellness
Whether you’re looking to improve employee financial wellbeing or take better control of your personal finances, Consult Centa is here to help.
Let’s Talk About Your Financial Wellness
Get in touch with us to discuss your needs and find the right financial wellness solution for you or your organisation.
Contact Consult Centa
Address
114 Panorama Avenue, Edleen, Kempton Park 1619
Email
[email protected]
Phone
+27 81 483 2133