The same process, every time, for every client
We call it the Talmiro Method — not because it's exotic, but because a repeatable process is the only defence against advice that drifts with the market's mood.
Position
A full accounting of assets, liabilities, income and obligations — usually uncovering at least one thing the client hadn't connected to the bigger picture.
Model
We build a forward projection under at least three scenarios, stress-tested against inflation, currency movement and a market downturn, before any recommendation is written down.
Structure
Recommendations are converted into specific, sequenced actions — which account, which instrument, which filing, and by when — with SARS and FSCA requirements checked at each step.
Review
A standing quarterly check-in, not a courtesy call: we re-run the model against what's actually happened and adjust before drift becomes a problem.
The credentials behind the method
FSCA Licensed
Authorised financial services provider under South Africa's Financial Sector Conduct Authority.
FAIS Compliant
All advisors operate under the Financial Advisory and Intermediary Services Act framework.
SARS Registered Tax Practitioners
In-house tax advisory registered with a recognised controlling body.
CIPC Registered Entity
TLM Financial Consulting (Pty) Ltd, registration 2016/384712/07.
Why a named method, rather than ‘it depends’
Ask most advisors how they arrive at a recommendation and you'll get an answer shaped by whatever product they're closest to selling. We built the Talmiro Method precisely to remove that variable: the process is the same whether the outcome favours a retirement annuity, an offshore transfer, or doing nothing at all this year.
It also means a client can ask, at any point, exactly which phase they're in and what happens next — no black box, no 'trust us'. Nine years in, it's the reason clients tend to stay well past the first plan we write for them.
See the method applied to your position
A first conversation costs nothing and commits you to nothing — just an honest read of where Phase 01 would start for you.