1. Who we are
Commitment and Passion makes us Client Centric Professionals
We are confident in our ability and commitment of the people that we have in our business. We will deliver sustainable
value to everyone we work with including you.
We are professional, innovative, dynamic individuals and we want every experience with us to be a pleasure.
What we can do for you
Deliver effective results
We are committed to delivering clear, quick and thoughtful responses. Our team-based organizational structure
facilitates prompt resolution of issues and intelligent decisions.
Provide you with trustworthy, accurate advice
We actively research the investment, insurance and retirement markets to ensure that you are receiving the best
solution for your needs while ensuring that your privacy and security is always maintained.
Complete peace of mind in a comprehensive financial analysis
Our diverse and experienced team is able to develop creative solutions based on our assessment of risk and return as
well as your individual needs, rather than trying to sell a product.
Help you to become the best you can be
In order to help you grow it is paramount that you connect and interact with our staff at all levels. Involvement is the key.
What we do
Our approach is underpinned by a real commitment to building long-term relationships with our clients to ensure we
can deliver “added value” through a greater understanding of your specific needs and financial goals. We can take a
long term view by ensuring that we deliver the best results for you, our client. These results are based on :
Honesty and Integrity
We understand that selecting someone to look after your financial freedom can be difficult and time-consuming. When
you make decisions about something you don’t fully understand, it all comes down to who you’re going to trust. Our
success is dependent upon our commitment to a long term personal relationship based on trust and performance.
Transparency
You will always know what you are receiving, the costs involved and the value you are receiving.
Fair Business Practice
We are fully licensed under the Financial Services Board Regulations and we are governed by the Financial Planning
Institute’s Code of Ethics providing you with experts who receive continuous training to ensure we understand this
complex and changing industry at all times.
Continued Client Support & Diligence
We invest time and resources to understand your real needs through your eyes. Our team has worked and lived
extensively in this environment and has faced the day to day challenges that you face. We therefore have a deeper
understanding of your needs and this allows us to share best practices and innovations with you.
Funatical Professionals
Client satisfaction is at the heart of every contact. It’s our passion. So much so that we treat every client like they’re our
only client. We respect you, our client and appreciate that no-one knows you and your financial circumstances like you do.
1
Innov8
Sanlam is a Licensed Financial Services Provider

2. What you can do for us
Achieve financial freedom and security. Become part of the thriving individuals who seek our advice and listen to our
valuable solutions on the road to success.
For more than 25 years, we have partnered with our clients to create innovative financial growth strategies that help
you grow faster and improve your wealth.
If you care about your financial future and want to make sure that you have a Client Centric, Funactical Professional
handling your financial affairs, contact us today. Tomorrow is too late.
The Planning Process
The process that we apply when dealing with clients can be broken down into six basic steps:
1. Initial contact
We will arrange a time for an interview with you.
2. Fact finding
During the interview we will get to know each other, answer your
questions and collect all relevant data to prepare your plan. This will
include your personal and professional goals and objectives.
3. Data analysis
Based on the data collected, we will identify all the issues relevant to
your financial needs. We will assess and analyse each issue to
formulate strategies to achieve your present needs and review all
available options in order to attain your future dreams.
4. Recommendations
We will present a presentation which will describe your current
financial position.
This will include an analysis of your needs and goals. We will provide
product recommendations to achieve your stated needs and goals and cover compliance related matters. Included will be
details on future reviews and ongoing monitoring.
5. Implementation
We will give you a written presentation where we explain the different aspects and answer any of your questions you
might have. We will ensure that you are comfortable with the recommendations and get your consent to proceed with
the implementation.
We will assist you to complete all the necessary paperwork, with client signatures and approvals and lodge the
applications to the relevant product providers. You will be kept updated with the progress of application.
6. Review
We will meet with you on a yearly basis to review your Financial Plan. This is to ensure that it keeps in line with your
changing needs.
Data analysis
Initial contact
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Fact finding
Data analysis
Recommen-
dations
Implementation
Review
2 Sanlam is a Licensed Financial Services Provider

3. 3 Sanlam is a Licensed Financial Services Provider
Assurance
Life Assurance
Trauma/Disability Assurance
Income Replacement Assurance
Key Man Assurance
Term Assurance
Bond Assurance
Sickness Benefit
Retirement Planning
Retirement Annuities
Provident Funds
Pension Funds
Living Annuities
Defined Annuities
Short-term Insurance
Household
Business Interruption
Vehicles
Property
- Personal
- Business
Marine
Travel
Emergency Transport
Investment Planning
Unit Trusts
Shares
Offshore Investments
Linked Life Annuities
Share Portfolio Management
Products and services
Your Commitment – Our Passion
Tel: 086 168 8860
Fax: 086 511 0694
e-mail: info@innov8ve.co.za
Michael Atti
083 266 0974
Tracy Atti
076 679 0784
Accounting and Tax
(In association)
Employee Benefits
Medical Insurance
(In association)
Legal Advice
(In association)
... And Much More!
Estate Planning
Comprehensive Analysis
Family Trusts
Investment Trusts
Financial Needs Analysis
Practice Audits
Partnership Agreements