Disclosures & Disclaimer
Regulatory Status
Johan Coetzee, CFP®, is an authorised representative of Fairtree Private Client (Pty) Ltd, an authorised Financial Services Provider (FSP License No. 12179) regulated by the Financial Sector Conduct Authority (FSCA) under the Financial Advisory and Intermediary Services Act, 2002 (FAIS Act). Fairtree Private Client is a member of the Financial Planning Institute of Southern Africa.
General Information Only
The content on this website — including all articles, guides, and calculators — is provided for general informational purposes only. It does not constitute financial, tax, investment, or legal advice, and does not take into account your personal financial situation, objectives, or needs. It should not be relied upon as the basis for any financial decision. Nothing on this site constitutes an offer, solicitation, or recommendation to buy or sell any financial product.
Calculators & Estimates
The calculators on this site (Tools page) use simplified assumptions and publicly available SARS and SARB figures believed accurate at the time of publication. They are illustrative only, exclude fees, taxes, and many individual circumstances, and should not be used as the sole basis for a financial decision. Tax law and regulatory thresholds change; always confirm current figures relevant to a material decision.
Past Performance
Any reference to investment performance, whether general or product-specific, relates to the past and is not indicative of future results. The value of investments can go down as well as up, and investors may not get back the full amount invested.
Conflicts of Interest
As an authorised representative operating under Fairtree Private Client's FSP license, remuneration may include fees and/or commission disclosed to you in writing before any advice is implemented, in accordance with the FAIS Act's General Code of Conduct. Any specific conflict of interest relevant to advice given to you will be disclosed to you directly as part of that engagement.
Complaints Procedure
If you have a complaint about advice or a service provided, please first contact Johan Coetzee directly at johanc@fairtree.com, or Fairtree Private Client's compliance department. If a complaint is not resolved to your satisfaction, you may escalate it to the FAIS Ombud:
- Telephone: 012 762 5000 (Sharecall: 086 066 3274)
- Email: info@faisombud.co.za
- Postal address: P.O. Box 41, Menlyn Park, 0063
External Links
This site may link to third-party websites (such as investment platforms) for your convenience. We are not responsible for the content, accuracy, or privacy practices of external sites.
Limitation of Liability
While reasonable care is taken to ensure information on this site is accurate and current, no warranty is given as to its accuracy, completeness, or suitability for any purpose, and no liability is accepted for any loss arising from reliance on it.
See also our Privacy Policy for how your personal information is handled.