Conflict of Interest

Harbour Advisory (Pty) Ltd (trading as Harbour Wealth) is an independent company and does not own any financial interest in any product supplier or any other financial services provider. In terms of the Harbour Wealth Investment Policy and our Conflict of Interest Policy no fund manager, product supplier or service supplier is given preferential treatment. With this in mind, Harbour Wealth does not receive more than 30% of its remuneration from any specific product provider. Harbour Wealth does not receive any rebates or incentives from investment managers, nor does the company pay any incentives to their advisors and intermediaries.

Harbour Wealth will as far as possible make use of the Wealthport LISP when selecting an administrator for investment products, portfolios and underlying funds, provided this does not cause any conflict of interest between Harbour Wealth and the client.

Professional Indemnity

Professional indemnity insurance is held for the amount of R 2 000 000.00. Harbour Wealth also holds the following insurance policies: Employee Dishonesty Liability Cover of R 2 000 000.00, Cyber Liability Cover of R 1 000 000.00 and Directors and Officers Cover of R 1 000 000.00.


Compliance with the FAIS Act is monitored by Sharen Gerald, an independent compliance officer at Moonstone Compliance. FSB Practice Number 188, email: Sgerald@moonstonecompliance.co.za. Moonstone Compliance can be contacted: 25 Quantum Street, Technopark, Stellenbosch, 7600 P.O. Box 12662, Die Boord, Stellenbosch, 7613, South Africa, Tel nr: +27 21 883 8000. We are committed to comply with FAIS since the purpose of the Act is to protect you, our client. In the event that you are dissatisfied with any aspect of my service, you should address your complaint in writing to the above address. A copy of my Complaints Policy is available on request.

If you are not happy with our response, you can approach the Ombud at Customer Contacts Division / the FAIS Ombud Sussex Office Park, Ground Floor, Block B 473 Lynwood Road, Lynwood T: 012762 5000 / 012 470 9080, F: 086 764 1422 / 012 348 3447 E: info@faisombud.co.za, W: www.faisombud.co.za or at telephone number (012) 762 5000 or email info@faisombud.co.za.

Non Cash Incentives

Non-cash incentives from product suppliers or indirect consideration from other persons may from time to time be received. Details can be provided should you request further information.

Waiver of Rights

As an authorised Financial Services Provider I may not request or induce in any manner a Client to waive any right or benefit conferred on the Client by or in terms of any provision of the General Code of Conduct, or recognise, accept or act on any such waiver by a Client.


All information obtained or acquired about you, or your company, shall remain confidential unless you provide written consent, or unless I am required by any law to disclose such information.

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