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Eternity Financial Services
Eternity Financial Solutions was founded in April of 2011 by Mandy Nowosielski. Mandy entered the financial world in 2005 working for Liberty for a period of five years and then Discovery for one. After which Mandy realised her calling as an independent adviser and thus Eternity was born.
Eternity, as an independent brokerage, has the complete freedom to offer a wide variety of products and services. We pride ourselves on our extensive knowledge and ability to provide our clients with unbiased advice and direction in all their financial endeavours.
Eternity is dedicated to excellent service, and strives to provide our clients with complete peace of mind, that their portfolio is being managed by the most knowledgeable, trustworthy and professional advisers in the business.
Qualifications and Memberships:
- Post grad Financial planning Law University of the Free State
- Member of FPI
- Member of the Senate Group
- FSP Reg number 44405
Attributes that set Eternity apart from the market:
- Transparent advice portrayed in a straightforward and understandable manner
- In-depth product specific knowledge
- Assistance and advice in all areas of assurance and investing
- Qualitative and Quantitative background work on investment portfolio construction
SHORT TERM MANAGER
Are you comfortable with what will happen when you are no longer here to call the shots?
I am able to offer independent advice on all your risk protection, fiduciary and investment planning needs
Estate planning is not only for the mega-rich. If you have assets, investment policies, risk cover and more than one potential beneficiary, then I can assist you with the planning of your estate and how it will be allocated when you pass away. An estate that is left open can cause a difficult time to be even harder for those who are left behind. Often there is more work needed on a R3m estate than on one that is worth R20m!
Investments & Tax Free Accounts
When it comes to investing, it’s important to have a diverse portfolio. My expert knowledge and extensive investment options allow you to truly choose the very best products available to you. From low-risk, long-term investing to high-risk, short-term strategies we can mix it up or keep it conservative: investments completely tailored to who you are and where you want to go.
Group Life, Pensions and Provident Funds remain an essential part of a well run business. I will tailor your company’s pension and provident funds for you, using the most appropriate corporate providers to tender for the risk benefits and the retirement benefits separately – ensuring cost effective and customer specific corporate benefits.
Will your business survive if you are disabled, die or become impaired or what would the consequences be if this happened to one of your partners? Together we can design flexible and comprehensive solutions to meet your business assurance needs, utilising Key-Man policies and Buy-and-Sell agreements where appropriate.
Retirement Planning and Provision
The sooner you begin to plan and save for your retirement, the sooner you can retire! The product most bought for this type of financial planning and provision is known as a Retirement Annuity (RA). Most companies have RA’s worked into their remuneration packages, but many don’t.
Medical Cover & Gap Cover
We are able to advise on a wide and diverse range of Medical Cover and Gap Cover products that will suit almost any budget. These products range from cover for basic hospital stays through to full, comprehensive medical aids that cover consultations with doctors, medication, glasses and other medical expenses.
Disability & Income Protection
Most households in today’s economy rely on more than one income to keep the household expenses under check, very few are able to survive on one income alone. If you were injured or disabled in some way and could no longer work, would your family be able to cope without your income?
These products are also known as Dread Disease Cover. Advances in medical care mean that more people can now survive illnesses once thought to be fatal. However, although many individuals lead relatively normal lives, they no longer enjoy the same mobility or good health. The best medical treatment can cost you and your diminished ability to work could force you to make severe lifestyle changes.
You pay tax every month to the state, but what are you paying to provide for those that you love and care about after you have gone? Life cover should not be seen as a grudge purchase but rather as an investment into the future of your spouse and children. You work hard to provide for them now, that shouldn’t have to change in the future.
What return is expected from your portfolio?
How much risk are you taking on to achieve it?
Hear it from my clients
Mandy has brought energy and fresh perspective into what we always viewed as the daunting requisite of life, income disability and illness protection plans. Her approach to our personal needs is thoughtful, practical and caring; But she goes toe to toe for us with the big corporates to secure the best possible cover, and because she is highly skilled, professional and tenacious – she gets it. Mandy is quite possibly the best investment we have ever made.
I have known Mandy and the team at Eternity Financial Services for about 5 years now. Mandy is exceptionally qualified to offer sound financial , investment, retirement planning and estate planning guidance and advice. She is trustworthy, reliable and can be counted on for operating with the highest levels of ethics and integrity. She always goes the extra mile to meet me at a time and place convenient to me, which is testimony to her ongoing professionalism and flexibility to meet clients’ needs. Coupled to all of this, I find her to be a very bubbly person, with exemplary character. Mandy is an all-round good human being, who always has her clients’ interests at heart. I have no doubt that our relationship with nurture itself continually beyond the next decade.
Mandy has been my financial advisor for close on 3 years now. She's very professional, helpful, friendly but also a straight talker. She doesn't sugar coat your long term financial position. She takes a holistic view on your financial (health, insurance, retirement planning) needs both in the long term and short term. I've been assisted by Mandy and Gill on many occasions, from queries with PPS sickness benefit claims, to Discovery Vehicle and Household content Insurance queries. I have referred Mandy's services on many occasions, and been met with similarly positive feedback from friends and colleagues. I would highly recommend a consult with Mandy to ease your mind with regards to your financial planning.
What fees are you paying to invest?
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