Fanie Cronjé's career in the financial services industry began in 1983 with a company in the Sage / Nedbank Group. Within two years, he founded Cronjé & Co, and within five years, won the Old Mutual Small Businessman of the Year Award and joined the IPC (Independent Professional Consultants) Group. He is a Certified Financial Planner and a member of the Financial Planning Institute of South Africa.

The Independent Professional Consultants Group was formed to source highly specialised products – exclusive products that members were able to offer their investors. IPC grew nationwide, and eventually boomed into the Senate Group.

During 1986, a working relationship was formed between the members of a group of Gauteng based brokers. The purpose of this relationship (which took the form of a monthly working breakfast) was to establish a forum for the exchange of ideas and the combination of specialised products that the members could offer their clients.

In 1987, the membership was extended to include the Western Cape and KwaZulu-Natal, and it became necessary to sformalise the relationship. The IPC Group was then founded and a constitution was drawn up.IPC Association lasted many years, until the founding of the Senate Group (Pty) Ltd in 1998.

The Senate Group was responsible for the development of the first ever Preservation Fund in South Africa when both the Incentive Provident Fund and the Incentive Pension Fund were registered in 1989. The creative skills of the members were instrumental in the establishment of the Linked Product Industry in 1989 (LISPs). UAL was approached to create the product and André Immelman, from Technical Management Assignments (today TMA), was acommandeered to write complex computer programs to create an industry which today administers unit trust portfolios of around R70 billion with current gross inflows of between R1,7 and R2 billion per month.


Cronjé & Co administrates a combined client portfolio of over R250 million, specialising in:

  • Life Assurance
  • Employee Benefits (Pension)
  • Financial Planning
  • Investment Planning
  • Healthcare Products (Medical Aid)
  • Short Term Insurance (Motor & Household)
  • Structured Products and Financing
  • Assesment of existing portfolios
  • Retirement Planning
  • Wills & Testaments
  • Estate Planning
  • Trusts
  • Unit Trusts
  • Off-shore Trusts
  • Off-shore Investments
  • Business Assurance
  • Corporate Retirement Funds
  • Buy & Sell key man assurance


Firstly, the financial planner will discuss your goals with you, gathering personal and financial data. The planner then assesses your current situation: budget, savings, insurance, tax obligations etc., developing a viable strategy and recommending an investment portfolio to suit you, whether for a single issue or addressing multiple needs.

The services, related costs, duration of the professional relationship and responsibilities should be thoroughly explained. You should ensure that you are aware of any potential pitfalls or tax consequences as all financial decisions are inter-related. Play an active role in the decision-making process and ensure that you fully understand what is being recommended. Get everything in writing, including possible conflicts of interest and referral fees.

Your financial planner will either implement the recommendations for you or co-ordinate the process through attorneys and stockbrokers. If your financial planner is responsible for monitoring your investments, you will receive regular reports. This enables you to periodically review your investments together and to make necessary adjustments according to your changing needs.


We work alongside carefully vetted and selected partners, representing some of the world's leading investment services organisations. These include banks, mutual funds, unit trust corporations, life offices and fund management groups. This enables us to offer the best investment opportunities to our clients – opportunities which are usually only available to institutional investors.

Our advice is based on a multi-manager philosophy as, we believe, no single fund manager is able to repeat successes when a specific economic phase has passed. Exposure to different classes of assets and differing portfolio manager styles can be adapted to current market conditions. This makes multi-manager funds ideal for investors who prefer to delegate their portfolio management to investment experts.

Investment planning begins with risk profiling. Every investor wants top performance but performance comes at a price – and that price is risk! We are of the opinion that not enough time or attention is spent on structuring an investment solution which strikes a balance between the client’s expectations, returns and risk sensitivity.


Cronjé & Co (Pty) Ltd are approved investment managers, with Financial Services Board License Number 3192.This affords our company the ability to manage each client’sclient’s portfolio in terms of a signed discretionary investment mandate, based upon the client’s personal requirements and individual risk profile.