Four Seasons Investment Management (Pty) Ltd (FSIM) is a registered financial service provider. It holds both a category one and category two license, which were granted by the Financial Sector Conduct Authority (FSCA) in 2018. It is a discretionary investment provider.
FSIM is completely independent and shows no bias or favour towards any administration platform or investment provider. Our sole focus is to find the best investment solution for our clients.
The firm was founded on the principles of direct, discreet and unbiased wealth management. We felt that there was a need in the market to be of service to high-net worth individuals who would like to access both large and boutique Fund Managers, locally and abroad.
What differentiates FSIM from other FSPs is the personal service that we offer to clients. For us, bringing a client on board is just the start of the process, not the end. During the journey towards or through financial independence, our goal is to keep clients informed so that over time they have a greater understanding of their own investment portfolios. Many would consider this a business risk; we see it as a job well done. An informed and educated client is generally a client for life and if clients ever have any questions, we are always on the end of the phone to give guidance or take action.
Meet the team
David Pfaff (Principal and Key Individual)
After completing an Honors degree in Financial Analysis and Portfolio Management at the University of Cape Town (UCT) in 2002, David started his professional career with JP Morgan Chase. He then joined a Cape Town based boutique investment management company and spent a decade gaining experience in all aspects of the financial services industry.
The firm specialised in the management of direct equity portfolios, both locally and offshore, for high-net-worth individuals.
David’s role evolved from investment analyst to Head of Private Clients and voting member of the investment committee. He oversaw the company’s entry into Retirement Funding in 2009 and has extensive experience in setting up Pension and Provident Funds as well as the management of Living and Retirement Annuities. Preservation Funds also fall into his circle of expertise.
David was also responsible for the asset allocation within the multi-asset class portfolios and stock selection within equity mandates.
David relocated from Cape Town to the Garden Route with his family in 2018 and established Four Seasons Investment Management (FSIM). His expertise in all aspects of investment management meant he was granted a Category 1 and Category 2 licence from the FSCA.
On a personal level, David surfed for South Africa from 1992 to 1995 before turning professional. He competed in the world qualifying series surfing tour from 1996 through to 1998 and during this time visited numerous countries around the world. He continues to surf for Eden Surfriders.
Anel Muller
Anel holds a Legum Bacclaureus (LLB) from the North West University. She has completed both RE exams (1 & 5) and has passed the required exam for the administration of Estates (from UNISA). Via UNISA she also completed the course in life insurance.
Anel’s primary role is that of senior administrator and client liaisons officer. She processes any additions, redemptions, and new business for Four Seasons Investment Management. Due to her legal background, she takes responsibility for the firm’s compliance and liaises with our compliance officers on a monthly basis.
Email address: invest@fsim.co.za
Official qualifications
- North West University LLB (Legum Baccalaureus)
- UNISA (IISA Introduction Programme in Life Insurance)
- UNISA Certificate in Administration of Estates
- Certificate in Estates
- RE1 FAIS Exam for Key Individuals
- RE5 FAIS Exam for Representatives
Judy Peters
Judy holds a master’s degree in literature and a doctorate in philosophy. Judy’s primary responsibility is the management of data for Four Seasons Investment Management. She also takes responsibly for ensuring clients have their relevant tax information on time. Judy processes switch instructions across client portfolios when changes are made.
Email: judy@fsim.co.za
How can we help you?
Often clients have more than a single need, without even knowing it. This becomes apparent after spending time talking through a client’s situation and working through a detailed financial plan. Our services become most meaningful when taking an holistic view of your affairs.
- Neatening up your investments (consolidating on a single platform)
- Grouping retirement annuities or setting up a retirement annuity.
- Streamlining living annuity payments.
- Managing segregated portfolios that have been lying idle with a stockbroker.
- Restructuring your portfolio so that it’s tax efficient.
- Introducing wrappers and endowments to reduce executor fees and taxes.
- Remitting capital offshore.
- Setting up Trusts, both locally and abroad.
- Setting up tax-free savings accounts.
- Working with your accountants to reduce taxable income.
- Introducing, or working with executors, to ensure your Will is up to date.
- Redrafting your Will in accordance with an improved estate plan.
- Starting a Retirement Fund for your business.
- Making use of passive funds to reduce costs.