# The Robert Group

> The Robert Group (TRG) is an independent financial planning, insurance broking and investment management firm on the KwaZulu-Natal North Coast, South Africa, founded by the Robert family in 2010. The Robert Group (Pty) Ltd is an Authorised Financial Services Provider and Crypto Asset Service Provider (FSP 41818). Reg No. 2010/003425/07.

- Offices: Umhlanga (5 Nollsworth Crescent, Umhlanga, KZN; 031 566 6111), Umhlali (Shop 22, Sugar Village, R102, Umhlali, KZN; 032 947 1132)
- Email: contact@robertgroup.co.za
- Enquiries: https://robertgroup.co.za/contact/
- Services: financial planning (risk, retirement, estate), independent short-term, life and business insurance broking, the TRG Wealth Builder fund-of-funds range, cash solutions, share portfolios, digital assets, corporate employee benefits, and discretionary fund management for advisory firms.
- The information on this website is general and should not be seen as financial advice or a recommendation. We trust our sources but can’t guarantee absolute accuracy or completeness. Talk to a TRG adviser about your own circumstances. Past investment performance is not necessarily indicative of future performance. The value of investments may go down as well as up.
- Complaints: contact@robertgroup.co.za. Unresolved complaints may be referred to the FAIS Ombud (012 762 5000, https://www.faisombud.co.za).

## Services


- [Access to Retirement Funds: Current vs Two-Pot](https://robertgroup.co.za/blog/access-to-retirement-funds-current-vs-two-pot/): 
- [The Future of Wealth Management: How Technology and Innovation Are Changing the Game](https://robertgroup.co.za/blog/discovery-insure-specialists-on-the-north-coast-dy9rb/): 
- [Discovery Insure Specialists on the North Coast](https://robertgroup.co.za/blog/discovery-insure-specialists-on-the-north-coast/): 
- [Insights from London](https://robertgroup.co.za/blog/insights-from-london/): 
- [Maximize Your Tax Savings Before the Tax Year Ends](https://robertgroup.co.za/blog/maximize-your-tax-savings-before-the-tax-year-ends/): 
- [Retirement Planning in South Africa: Enjoying Your Wealth and Leaving a Lasting Legacy](https://robertgroup.co.za/blog/retirement-planning-in-south-africa-enjoying-your-wealth-and-leaving-a-lasting-legacy/): 
- [Corporate Benefits](https://robertgroup.co.za/corporate-benefits/): Pension, provident and group risk benefits, tailored to your people and your values, from an independent advisory firm.
- [Discretionary Fund Management](https://robertgroup.co.za/discretionary-fund-management/): A discretionary fund management partnership for advisory firms, built on the award-winning TRG Wealth Builder range.
- [Financial Planning](https://robertgroup.co.za/financial-planning/): Independent advisers who build a personalised financial plan around your needs and aspirations, across risk, wealth creation, retirement and estate.
- [Estate Planning](https://robertgroup.co.za/financial-planning/estate/): Estate planning that protects your legacy, with a smooth, tax-effective transfer of your wealth.
- [Retirement Planning](https://robertgroup.co.za/financial-planning/retirement/): Retirement planning from an independent advice firm and an award-winning fund manager, under one roof.
- [Risk Planning](https://robertgroup.co.za/financial-planning/risk/): We assess the risks that could derail your personal or business life, then build strategies to mitigate, transfer or accept them.
- [Insurance](https://robertgroup.co.za/insurance/): Independent insurance brokers protecting your family, your business and your possessions, with the right balance of cover and premium.
- [Investments](https://robertgroup.co.za/investments/): Award-winning investment management built in-house. The TRG WealthBuilder range, cash solutions, share portfolios and digital assets.
- [Cash Solutions](https://robertgroup.co.za/investments/cash/): Cash solutions with access, flexibility and highly competitive interest rates, locally and offshore.
- [Digital Assets](https://robertgroup.co.za/investments/crypto/): Crypto assets, handled with discipline. Risk-profiled access through the TRG Digital Innovation Fund and direct holdings.
- [The Wealth Builder Range](https://robertgroup.co.za/investments/funds/): The TRG Wealth Builder fund-of-funds range, from low-risk income to high-growth strategies across local and global growth assets.
- [Share Portfolios](https://robertgroup.co.za/investments/shares/): A global stockbroking service, managed for you. Concentrated local and global share portfolios built on the TRIPPPLE research process.

## Wealth Builder range

Annualised returns since each fund's inception, in rand and net of fees, to 30 September 2026. Source: Morningstar. Past investment performance is not necessarily indicative of future performance. The value of investments may go down as well as up. Funds administered by Prescient Fund Services.

- Income: 10% growth assets (7% local, 3% offshore), 90% defensive. 8.05% p.a., annualised since inception; R1m at inception is now R1.79m. Fact sheet: /s/TRG-Fund-Fact-Sheet-Income-Prescient-FoF-31122025.pdf
- Stable: 30% growth assets (20% local, 10% offshore), 70% defensive. 9.21% p.a., annualised since inception; R1m at inception is now R1.95m. Fact sheet: /s/TRG-Fund-Fact-Sheet-Stable-Prescient-FoF-31122025.pdf
- Moderate: 50% growth assets (35% local, 15% offshore), 50% defensive. 10.14% p.a., annualised since inception; R1m at inception is now R2.09m. Fact sheet: /s/TRG-Fund-Fact-Sheet-Moderate-Prescient-FoF-31122025.pdf
- Balanced: 70% growth assets (50% local, 20% offshore), 30% defensive. 11.18% p.a., annualised since inception; R1m at inception is now R2.25m. Fact sheet: /s/TRG-Fund-Fact-Sheet-Balanced-Prescient-FoF-31122025.pdf
- Flexible: 90% growth assets (65% local, 25% offshore), 10% defensive. 12.15% p.a., annualised since inception; R1m at inception is now R2.42m. Fact sheet: /s/TRG-Fund-Fact-Sheet-Flexible-Prescient-FoF-31122025.pdf
- Global Flexible: 100% growth assets (0% local, 100% offshore), 0% defensive. 10.10% p.a., annualised since Sep 2021; R1m at inception is now R1.59m. Fact sheet: /s/TRG-Fund-Fact-Sheet-Global-Flexible-Fund-USD-31122025-4s6d.pdf

## Firm

- [About](https://robertgroup.co.za/about/): history, values, community work and the full team.
- [Contact](https://robertgroup.co.za/contact/): offices, phone numbers and enquiry form.
- [Careers](https://robertgroup.co.za/careers/): open positions.
- [Privacy Notice](https://robertgroup.co.za/privacy-policy/): how TRG collects, uses and protects personal information.
- [Money Minute](https://robertgroup.co.za/money-minute/): weekly market video series.
- [Blog](/blog/): articles by the TRG team.

## Team


- Lance Robert, Managing Director (CFP®)
- Devin Shutte, Head of Investments (FIFM)
- Louise Rivera, Head of Operations
- Claude Robert, Co-founder · Financial Adviser (Dip. Personal Financial Management)
- Jean Robert, Co-founder · Financial Adviser (BComm Economics)
- Francois Robert, Co-founder · Financial Adviser (Dip. Personal Financial Management)
- Russell Bishop, Financial Adviser · Gqeberha (PGDip Financial Planning Law)
- Danielle Robert-Hardman, Financial Adviser (CFP®)
- Dustin Brown, Financial Adviser (BComm Accounting)
- Kevin Essery, Digital Asset Specialist (CA(SA))
- Connor Riley, Investment Infrastructure (B.Comm · CFA programme)
- Clyde Ndlovu, Investment Analyst (B.Com Honours)
- Anny Govender, Client Services
- Catherine Hannekom, Client Services
- Denise Nortje, Client Services
- Lee Anne Govender, Client Services
- Vino Kamlall, Client Services
- Simonne Moodley, Human Resources
- Megan Chalmers, Operations