Ryan Coey Financial Adviser & Operations Head

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Ryan Coey Financial Adviser & Operations Head

Regional Head at Hereford Group Director at Botokwa Financial Services. Unlocking Financial Freedom.

22/10/2026

The foundation of a soild financial plan ( Part 2 )

3. Take advantage of tax benefits

We all need to pay taxes, but our government, recognising the need for retirement planning, offers some generous tax-free savings benefits in the form of TFSAs and Retirement Annuities. I, as your F.A., will ensure you gain maximum benefits from this.

1. Protect against the unexpected

In a world fraught with uncertainty, from wars to economic volatility, to pandemics and dread diseases, it is essential to protect the wealth you have built by remaining flexible and working constantly with your Financial Advisor. I will ensure you are covered for dread diseases and loss of income with the right insurances, tailored to your specific requirements and affordability.

1. Constantly review!

A financial plan, like a business plan, is founded on set of goals. As we all know, every financial or business plan needs to be regularly revised to ensure you are still on track and assess what you could be doing better. This brings us to the part where we look at how I could help you grow in 2026 and beyond...

21/10/2026

Five lines of cover. One specialist team. 🏆

Personal insurance, business insurance, specialist liability cover, body corporate insurance, all risks cover; all arranged by a broker who knows your policy inside out. One conversation, one point of contact, and nothing falling between policies.

Contact me directly on the below :

Email :[email protected]

FSP: 43373

20/10/2026

Gap Cover & BCA Month: Bridging the Financial Gap🏩

While medical aid is a crucial component of your healthcare protection, it may not cover all expenses related to breast cancer treatment🎀
This is where Gap cover comes into play. Gap cover is designed to cover the “gap” between what your medical aid pays, and the actual cost of medical procedures. It ensures that you don’t have to deplete your savings or assets to cover unexpected medical bills🏩🎀
For example, some cancer treatments involve specialized drugs that are not fully covered by medical aids. Gap cover can step in to bridge this financial gap, alleviating the stress of high out-of-pocket expenses during a challenging time 🙏🏼🎀

16/10/2026

This year’s theme at the INN8 Invest investment summit was “Shaping Change” as always the event continues to go from strength to strength year on year. Myself & members of the Hereford Group Inland team up in Gauteng had the privilege of attending recently.

An incredible day of networking & knowledge sharing with a packed day of guess speakers & presenters. An amazing concentration of industry experience under one roof. Well done & thank you again to Leigh Kohler , Georgina Smith Bala Nonkonyana, CFP® , Hlobi Summerton & the entire INN8 team for the invite, hosting & taking the time to engage with so many of us & making our teams feel like more than just a number.

The CPD points we also received for the day definitely come in handy but there is also nothing wrong when you & the team get to have a few cold ones with Springbok legand Steven Kitshoff before heading home .
Looking forward to see how Leigh & his team level up again in 2027 . 🍻🇿🇦🙏🏻

15/10/2026

The foundation of a solid financial plan ( Part One )

Because it is Spring, a time of sowing seeds to produce a rich harvest in later years, I will talk about what makes the foundation of a sound financial plan - and how your Financial Advisor is not only a vital part of that journey, but could help you grow in 2026 and far beyond. Summer beckons, the water is fine, so let’s dive right in...

1. Save to invest

We all know that the start of wealth creation is to understand the benefit of setting aside a savings amount every month, and we soon learn that to really benefit from compound interest we need to make some investments, rather than simply leave money in savings account. So, Financial Advisors can start helping you even at this early stage

2. Plan long term

Very early on you also learn that to retire comfortably and have your family taken care of when you are no longer around, you need to plan long-term and beyond your lifetime. This entails retirement planning, utilising astute investments, as advised by your Financial Advisor, and ensuring you have at very least a legally binding Will and take Life insurance. Estate planning will happen as your wealth grows.

14/10/2026

You saved for it. You earned it.💰💰💰

Now make sure you keep it.

Your first car. Your first place. The laptop you saved for. These milestones take real work to reach, which is exactly why they’re worth protecting from day one. 🚗🏡💻

Here’s what most people learn too late: insuring your things early costs far less than replacing them later. One theft, one accident, one burst geyser, and the stuff you worked hard for is gone.

Cover your firsts before life tests them. It costs less than you think.

Contact me directly on the below :

Email :[email protected]

FSP: 43373

13/10/2026

🎀A Medical Aid & BCA Month: Your First Line of Defense 🏩
Having comprehensive medical aid is your primary safeguard against the financial burden of breast cancer. Medical aid covers the costs of:
🎀Consultations
🎀Diagnostic tests
🎀Surgery
🎀Chemotherapy
🎀Radiation therapy
🎀Hospitalization.
It ensures that you receive the best possible medical care without having to worry about the high expenses that come with cancer treatment. 🌷
When selecting a medical aid plan, consider the coverage for cancer-related treatments, such as specialized drugs and therapies.🌷
It’s essential to choose a plan that suits your specific healthcare needs and budget. Keep in mind that early detection and prompt treatment can lead to more favorable outcomes, making medical aid indispensable in this journey.🌷

08/10/2026

A good financial plan should grow and adapt with you.

A solid review gives your financial advisor the opportunity to look beyond the numbers and understand the bigger picture — where you are financially, what you’re working towards, what you want to leave behind, and how well your current strategy is protecting you.

Your cash position, aspirations, legacy, investments and personal risk all form part of the picture.

Because sometimes, the most valuable financial decision you can make is simply taking the time to review where you are — and where you’re going.

Your goals change. Your circumstances change. Your financial plan should keep up.

07/10/2026

Cyber threats don’t only target big companies. 💻

Ransomware. Phishing. Data breaches.⚠️⚠️⚠️

These aren’t just big-company problems. SMEs across South Africa are increasingly in the crosshairs, and most standard policies don’t include cyber cover.

Protect your business before an incident, not after.

To find out about our Cyber Risk cover at contact me directly on :

Email : [email protected]

| FSP No.: 43373

06/10/2026

🎀Disability Cover & BCA Month:

Safeguarding Your Income 🔒💰

A breast cancer diagnosis can sometimes result in disability that affects your ability to work and earn an income. Disability cover provides you with financial protection in case you become unable to work due to illness or injury. It can help maintain your quality of life by providing a regular income stream when you need it the most. 💪🏼🎀.
In the event that breast cancer leads to disability, having disability cover ensures that you can continue to meet your financial commitments, such as:

🏠Mortgage payments
💰Daily living expenses, and IT
🏨Ongoing medical costs.

Address

Pretoria

Opening Hours

Monday

08:00 - 17:00

Website

https://advicebycoey.co.za/

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