Old Mutual Accredited Adviser

Your Financial Future,Planned with Purpose.

Financial Planner | Overberg & the Western Cape | Old Mutual

Old Mutual
Accredited
Overberg
Based
Western Cape
Servicing
Declan Smit, Financial Planner
About

Warm authority.
Real advice.
Long-term thinking.

I'm Declan — a 23-year-old financial planner based in the Overberg, servicing clients across the whole Western Cape. I help individuals and families build long-term plans that are clear, honest and quietly powerful. No jargon, no pressure — just good advice grounded in your real life.

  • Old Mutual accredited — risk, short-term insurance, advanced investments, retirement & estate planning
  • Comprehensive needs analysis before any recommendation
  • Annual reviews to keep your plan aligned with your life
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"

"Good financial planning isn't about beating the market — it's about designing a life you don't have to escape from."

DS
Declan Smit
Financial Planner
Services

Six pillars of a complete plan

Each pillar works on its own. Together, they form a financial life that quietly takes care of itself.

Retirement Planning

Build a retirement strategy that compounds quietly in the background of your life.

Tax-Free Investments

Make full use of your annual TFSA allowance with growth-focused unit trusts.

Risk Cover

Life, disability and severe illness cover sized to your real obligations.

Estate Planning

A valid will, beneficiary structure and liquidity plan that protects your family.

Linked Investments

Discretionary portfolios across local and offshore unit trusts and ETFs.

Short-Term Insurance

Protect the assets you've worked hard for — vehicle, home and contents cover.

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Insights

Notes on planning, investing
and the long game.

All articles →

Ready to plan with purpose?

Let's start with a free 30-minute consultation — in person across the Overberg, or online anywhere in the Western Cape.

Book a Consultation →