Welcome to Cornel Esprey
We are here to help you achieve your financial goals, manage your money, and make your life better.
Our firm is not like other investment advisors. We are an independent advisory firm, with no ties to a large JSE firm. You receive advice unblemished by the conflicts of interest that have plagued certain firms. We are free to recommend the best financial products to help you meet your goals. And with no sales quotas, we can devote the time needed to properly research and monitor your investments.
You also benefit from our size. As a boutique advisory serving high-net-worth individuals, every relationship is important to us. With no national ad campaigns, we rely on referrals from people in our community to grow our business. You will not be treated like just another account number, and there is no corporate bureaucracy when you need an answer about your money. Our people understand why you expect excellent service.
We are an independent, advice business firm located in Johannesburg and founded by Cornel Esprey (back in 1988). Our mission is to provide you with sensible and unbiased investment and financial planning solutions with your interests always first. We will assist you in prioritizing and quantifying your financial goals, setting realistic expectations and implementing a disciplined and prudent investment and savings strategy.
One of our most important roles is determining a suitable and appropriate asset-allocation strategy by analyzing your investment time horizon, risk tolerance, objectives and cash-flow needs. We invest for the long term by establishing appropriate asset allocations and adjusting those allocations on the changing circumstances and objectives of our clients and not on the vagaries of short-term stock-market fluctuations.
At Cornel Esprey, we believe an effective relationship is built on a commitment to personal attention.
Contact us today at +27 (0)11 485 2899 or email@example.com to schedule a free consultation to discuss your investment and financial planning needs.
Who we are
Cornel Esprey is a Certified Financial Planner with over 20 years experience in the financial-services industry. He is the founder of Cornel Esprey and Associates.
Cornel is a Licensed Financial Advisor with the FSB (Financial Services Board). He is also on the Management Committee of The Congregational Church Meals on Wheels, a Non-Profit Organization, a charity committed to helping indigent people through a soup kitchen, the elderly with the delivery of meals to their homes, and school children from poor homes with after-school lunches.
Comprehensive Financial Planning
For those clients who are seeking a thorough review and assessment of their financial planning goals, we offer Comprehensive Financial Planning.
We will prepare a comprehensive analysis of your existing financial situation, quantify and prioritize goals, identify deficiencies and recommend specific, customized solutions. Your plan will address the following topics (if applicable):
Investment Planning; Retirement Planning and Goals Analysis; Educational Funding Needs Analysis; Estate Planning Recommendations; Assurance Review; Debt and Cash Flow Management; Tax Planning
The fee for a comprehensive financial plan depends on the size of the estate and the complexity of the assets and issues. Fees are generally defined at the end of the initial consultation, once we have reviewed your situation in detail. Our minimum fee for a comprehensive financial plan is R2000 (plus VAT).
Our Investment Strategy
At Cornel Esprey, we focus on long-term investment principles and avoid short-term market timing.
We assist our clients in defining their risk tolerance and then develop a sensible and prudent asset allocation strategy for their portfolios. After detailed interviews with each client, we customize each portfolio based on investment time horizon, cash flow considerations and overall investment objectives and goals.
Once we have developed an appropriate asset allocation strategy, we select investment grade fixed income securities and collective investments with strong long-term performance for their class. We screen our funds for risk-adjusted returns, management experience and expense and turnover ratios. We periodically rebalance the portfolios to ensure that the investments coincide with the recommended asset-allocation strategy.
We do not try to guess which sector or stock will be the "hot" pick. We instead prioritize long-term investment fundamentals and a strict adherence to the asset allocation strategy we have designed for each client.
As a fee-only investment advisor, our incentives align seamlessly with our clients goals. When our clients succeed, we succeed. Unlike countless brokerage firms, banks, or insurance companies, we have no products to sell. Since we charge investment management fees as a percentage of client assets under management, our financial effectiveness is closely tied to the growth of our clients assets. Investment advisory fees are paid from investment accounts after each month based upon our fee schedule that ranges from 0,50% of assets under management (AUM) to 0,75% of AUM per annum (excl. VAT). Fees for other services will be based on other appropriate measures.
Our firm strongly believes that possessing a proven, disciplined process that focuses on maximizing risk-adjusted returns, managing tax efficiency, and providing competitive fees is the best approach to achieving superior long-term investment results. Although clients may choose to pay for services provided by trusted professional partners, we will receive no related commissions, or referral fees.
We are committed to operating with the highest standards of integrity and providing impartial, transparent disclosure relating to any current or potential future conflicts of interest. We are confident that the trust we earn from our clients is the trust that will allow CORNEL ESPREY to thrive.
IMPORTANT CONSUMER DISCLOSURE: Cornel Esprey is a registered investment adviser located in Johannesburg.
Cornel Esprey's website is limited to the dissemination of general information regarding its investment advisory services to RSA residents where providing such information is not prohibited by applicable law. Accordingly, the publication of Cornel Espreys website on the Internet should not be construed by any consumer or prospective client as a solicitation to effect, or attempt to effect, transactions in securities or the rendering of personalized investment advice for compensation, over the Internet.
ACCESS TO THIS WEBSITE IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY AND WITHOUT ANY WARRANTIES, EXPRESSED OR IMPLIED, REGARDING THE ACCURACY, COMPLETENESS, TIMELINESS, OR RESULTS OBTAINED FROM ANY INFORMATION POSTED ON THIS WEBSITE OR ANY THIRD-PARTY WEBSITE LINKED TO THIS WEBSITE.
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