Michael van der Merwe
Founder & Certified Financial Planner
Twenty-two years advising Cape Town families and business owners on retirement and investment structure.
Our Approach
A method built like a ledger — nothing unaccounted for.
Every recommendation we make is traceable to a number, a rule, or a stated assumption. We call it the Vireta Ledger Method.
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The Vireta Ledger Method
Five phases, applied consistently whether the engagement is a single tax return or a full retirement restructure.
01
Discovery
We record your full financial position — income, liabilities, existing policies and goals — without recommending anything yet.
02
Diagnosis
We identify gaps: under-provision for retirement, tax inefficiency, unprotected risk, or structural duplication.
03
Design
We draft a written plan with specific, costed recommendations and the reasoning behind each one.
04
Implementation
We action agreed changes directly with providers, keeping you copied at every step.
05
Review
We reassess annually, or sooner if your circumstances or legislation change materially.
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Licensed and accredited
FSCA-Licensed FSP
Vireta Financial Consulting (Pty) Ltd, FSP 48213, authorised by the Financial Sector Conduct Authority.
CFP® Certified Planners
Our senior advisors hold Certified Financial Planner designation through the Financial Planning Institute.
SAIT Registered
Tax practitioners registered with the South African Institute of Taxation.
FPI Membership
Full member of the Financial Planning Institute of Southern Africa, subject to its code of ethics.
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The people behind the plans
Naledi Khumalo
Head of Client Advisory
Leads every new client relationship and personally reviews each written plan before it's presented.
Werner du Plessis
Tax & Retirement Specialist
SAIT-registered practitioner focused on provisional tax, retirement annuities and small business structuring.
Amahle Ngcobo
Estate & Risk Advisor
Handles beneficiary reviews, life cover assessment and coordination with clients' attorneys.
Get started
Want the method applied to your situation?
Book a discovery call and we'll show you exactly where the Ledger Method would start with your numbers.