Independent. Professional. Confidential.

Business Profile

Introduction

Gradidge-Mahura Investments (GMI) is a diversified investment advisory and wealth

management company.

We offer a professional financial planning service to individuals, groups and

corporates.

We participated in the Top Private Banks and Wealth Managers survey in 2018 and

won four major awards, including the coveted overall Top Wealth Manager award. We

were ranked 1st in the People’s Choice award, Passive Lump Sum Investor and the

Young Professional categories. In 2017, we were 2nd in the Boutique Category and 1st

in the People’s Choice Award.

Accredited FPI Approved Professional Practice™ in August 2016.

Vision

GMI’s vision is to be the leading PRIVATE wealth management company in South Africa.

The GMI of 2030 will have fully operational offices in JHB, Cape Town, Durban and Pretoria with

R10 billion AUM.

Notable Accolades

Masthead – FAIS Seal of Compliance• Awarded for consistent >85% rating

Currently only 14 practices awarded in SA. We are the only black owned and managed one.

The Team

Craig holds a B.Com (Wits), B.Com Honours (UNISA), Post

Graduate Diploma in Financial Planning (UFS), Certificate in

Taxation (Wits) and an MBA (UCT).

He is a Certified Financial Planner and is a member of the

Financial Planning Institute of Southern Africa (FPI).

He is Chairperson of the Investment Competency Committee of

the Financial Planning Institute of South Africa. He served as an

Independent Expert on the Investment Sub Committee of

Medshield

He has been in the industry since 1996 and has gained

experience at an operational, management and executive level

in a number of large financial services companies.

Craig Gradidge CFP®

Executive DirectorInvestment & Retirement Planning Specialist

Kagisho holds a B.Bus.Sc (UCT), Post Graduate Diploma in

Financial Planning (UFS) and an MBA (Stellenbosch). He was

MBA student of the year in 2008, International MBA student of

the year Top 4 finalist and a past winner of the NBMBAA in

Atlanta, USA.

He is a Certified Financial Planner and is a member of the

Financial Planning Institute of Southern Africa (FPI). He was a

Financial Planner of the Year Top 10 Finalist in 2013.

In 2015, he was elected Chairperson of the Gauteng Regional

Committee of the FPI. He sat on the Board of a leading SA asset

management business. He is a founding member and serves on

the Exco of SA Independent Financial Advisors Association

(SAIFAA).

He has been in the industry since 1996 and has gained

experience at an operational, management and executive level

at Old Mutual and Coronation.

Kagisho Mahura CFP®

Executive DirectorHead of Integrated Wealth Management

Virath Juggai CFP®

Virath holds a National Certificate in Wealth Management (AFM),

Post Graduate Diploma in Financial Planning (UFS) and an

Advanced Post Graduate Diploma in Estate Planning and Personal

Risk Management (UFS).

He is a Certified Financial Planner and a member of the Financial

Planning Institute of Southern Africa (FPI). He was the Top Student

in the CFP® Professional Competency Examinations for 2012.

He has been in the industry since 1998 and has gained experience

in a technical and business development capacity in the area of

Financial Risk Management.

Virath is a Risk Specialist and has extensive expertise with

structuring Risk Cover (Life, Disability and Dread Disease) for

individuals as well as Financial Planning for business needs (Buy

and Sell Agreements, Key Person Insurance & Contingent Liability)

Risk Specialist

Lesego holds a Bachelors Degree in Politics and Economy from

University of Johannesburg.

She has a Certificate of Proficiency in Long Term Insurance.

She has completed her FAIS Regulatory Exam Level 5.

She holds a Higher Certificate in Financial Planning obtained

through Milpark Business School.

She is a member of the Financial Planning Institute of Southern

Africa (FPI) as a Registered Financial Practitioner™.

She has been in the Employee Benefits industry for 9 years with

experience in servicing clients from a number of sectors such as

Retail, Pharmaceuticals, Industrials and Advertising.

Lesego Mpete

Senior Employee Benefits Consultant

Wynand Gouws CFP®

Wynand holds a B Tech Marketing (Wits), Post Graduate Diploma

in Financial Planning specialising in Investment Management and

Estate Planning (UFS), MBA (Stellenbosch) and a Post-Graduate

Diploma in Future Studies (Stellenbosch).

He is a Certified Financial Planner and is a member of the Financial

Planning Institute of Southern Africa (FPI).

He has been in the industry since 1998 and has gained

investments and wealth management experience at an

operational, sales and executive level with blue chip financial

services companies.

Wealth Manager

Phala Modise CFP®

Phala holds an Advanced Post Graduate Diploma in Financial

Planning, specializing in Asset Types and Portfolio Management

(UFS), Certificate in Risk Management Programme (UNISA) and a

Diploma in Chartered Institute of Insurance.

He is a Certified Financial Planner and is a member of the Financial

Planning Institute of Southern Africa (FPI). In 1995 he spent time

in New York on a Professional Development Programme which

included Strategic Management.

He has been in the industry since 1980 and has been in direct

personal financial planning since 1995.

Wealth Manager

Welcome Anderson Welcome holds a BCom (UNISA) and has completed his level 1 and

5 Regulatory Examinations. He is based at the Durban office and is

responsible for advising clients in the KZN and Eastern Cape

region.

He has been in the industry since 1998 and has worked as an

adviser for a number of wealth management companies. He has

extensive experience in retirement planning and has worked with

many GEPF clients over the years.

Wealth Manager

Mehmood Sader Mehmood holds a certification of proficiency in Short-Term

Insurance and has completed his FAIS “NQF 5”.

He has passed his Regulatory level 5 examination.

Mehmood has been in the industry since 2002 and has worked as

a senior business development consultant and senior sales

executive at large corporate financial services companies.

He has extensive experience in providing sound financial advice

in all market segments to clients regarding their personal and

business portfolios.

Business Development Manager

Keith has completed his FAIS “NQF 4” (Short-Term Commercial)

and FAIS “NQF 5” (Diploma in Financial Planning). He is a

Certified Financial Planner and a member of the Insurance

Institute of South Africa (IISA).

He has both his Regulatory Level 1 and Level 5 certificates.

Keith has been in the industry since 1972 and has a

demonstrated career history in the Short-Term Insurance

industry. Skilled and experienced in advice and provision of

Commercial Insurance Products. He also experience in the

associated Personal Lines Insurances.

Over the years, Keith has gained experience at an operational,

management and executive level.

Keith Morrison

Business Development Manager

Shanaaz JantjiesService Consultant

Sheila MolotoService Consultant

Tatenda Macheka CFP®Practice Manager

Cyril ChettyOperations Manager

Anna Mpholleng Service Consultant

Jerry UzoegboPara-planner

Molemo MadumoPara-planner

Leomedi MasalesaPara-planner

Zakia BuxService Consultant - Durban

Rizqa BarronService Consultant - CPT

Busisiwe MotsamaiService Consultant

Luleka MbanjwaAdministration Assistant: Short-Term Insurance

Charmaine HedleyService/ Advice Support

Morwa DithejaneOffice Assistant

Betty DubulaHousekeeper

Loyiso MphithizeliIntern Para-planner

Investment Management• Unit Trusts,

• *Share Portfolios

• BBBEE Public Share Offers education

• Offshore Investments

•Tax-free Savings Investments

• Alternatives: Private Equity, Hedge

Funds, *Section 12J Investments

• Long-term and Short-term Deposits

• Guaranteed Equity Notes

• Exchange Traded Funds

• Cash Management

Fiduciary and Tax Services***• Trusts• Estate Planning• Wills• Admin of Deceased Estates• Tax Planning - *via associates

Retirement Planning• Preservation Fund

• Retirement Annuity

• Post-Retirement Income

Risk Management• Life Insurance

• Disability Cover

• Severe Illness Cover

• Income Protection

•**Short-term Insurance

• Medical Aid

Wealth Creation

Wealth Protection

Individual Services

*Associates mean independent non-competing businesses with whom we have formal advice, service and fee-sharing agreements.**Gradidge-Mahura Asset Protection (Pty) Ltd – FSP No. 48616 is an affiliate of Gradidge-Mahura Investments.***Gradidge Mahura Fiduciary Services is an affiliate of Gradidge-Mahura Investments.

Group Risk BenefitsLife

Income Protection/DisabilitySevere Illness

Funeral

Business Assurance

Investment Management

Pension FundMember Engagement

Financial Education

Corporate Services

Umbrella Pension/Provident

Funds

Medical Aid

**Short-term Insurance

Group Retirement Annuities

Corporate Finance

Why Us

1. Independent

We have contracts with: Allan Gray Cadiz Discovery Investec Liberty Momentum Old Mutual PPS Sanlam Stanlib

And can therefore, offer tailor made solutions to clients

2. Professional

Our expertise, experience, philosophy and process are the cornerstone that imbue professionalism in delivering a quality wealth management service. All advisers have passed the relevant Regulatory Examinations.

3. Confidential

We believe that confidentiality is an important aspect in building trust and creating open, honest, sustainable and working relationships

GMI is: 100% black managed Level 2 BBBEE Contributor

The majority of our suppliers are black owned businesses.

Approximately 90% of clients are black individuals, corporates and organisations.

4. Empowered

Physical Address:Johannesburg Durban28 Fricker Road Unit 201, 25 Richefond CircleIllovo Ridgeside Office Estate, Umhlanga

Cape Town Postal Address:G4, The Courtyard PO Box 78219,Central Park Sandton,Century City, Cape Town 2146

Email: info@gminvestments.co.za Tel: +27 (0)10 448 2200Fax: +27 (0)86 523 8609Web: www.gminvestments.co.za

Contact Details

Affiliations: Masthead Distribution Services; Financial Planning Institute of Southern Africa

Authorised financial service providers: Gradidge-Mahura Investments - FSP license number: 36327Gradidge-Mahura Asset Protection - FSP license number: 48616