Georg Horcicka - Financial Planning with a difference

28/04/2026

I specialize in providing support to seafarers in safeguarding their financial interests and investments, particularly in instances of unforeseen accidents or critical illnesses that may impact their earning potential. Additionally, I offer investment opportunities in reputable local and offshore companies, thereby enabling them to diversify their asset portfolios internationally if desired.

17/07/2025

Please whatsapp me if you would like a review or consult.

17/07/2025

Dear Georg and Jen,

I hope this message finds you both well.

I wanted to extend my sincere gratitude to you for the exceptional service and support I’ve received throughout this process, and years before this too.

Georg, your guidance has been nothing short of extraordinary, highly professional, consistently thoughtful, and marked by a genuine care that extends well beyond standard financial advisory. It has not only helped me navigate important decisions but has now also had a truly life-changing impact. I remain deeply grateful for your years of steady support and personal commitment.

Jen, thank you as well for your responsiveness, efficiency, and always ensuring that everything ran smoothly behind the scenes. Your support has been invaluable. I truly mean this.

With warm regards and ongoing appreciation. I’ll always keep referring to you :)

28/03/2024

This is a message to all existing policy holders who consider changing insurors.

Make sure you read all the fine print including the replacement advise record which you will have to sign, consenting to the changes.

There are unfortunately a few unscrupulous brokers out there, who will not not tell you the entire truth about what you will be forgoing when moving to a new insuror. There are times when a change is warranted, if the cover is better or the premiums can be adjusted to accommodate your needs, but more often that not, brokers desperate for business, will often manipulate premium patterns, offer benefits which don't match what clients had before, and won't disclose benefits certain insurors don't even offer, often resulting in clients losing thousands of rands.

Here are a few things to watch out for...

1. Check the premium pattern. If it says age rated the likelihood is it will get alot more expensive as you get older. There is only 100 cents in a rand and if you took out cover many years ago when you were alot younger, and if you are currently getting a large discount that other insurors can't offer or match, there is generally no way that a new policy can be cheaper without changing the premium patterns.

2. Check if your premium guarantee period is extended with your annual premium increases. If not, the possibility exists that after a few years your assuror, has the right to increase your premiums automatically, if they experience excessive claims.

3. Check that the benefits you are replacing, match the benefits you currently have. Some assurors do not offer certain benefits that other assurors offer, and those advisors wanting to replace your policies, will not tell you, what you will be foregoing in benefits, or losing in future cash payouts, which is also often the reason, why some new policies may come across cheaper than existing ones.

If you feel a potential new advisor is overwhelming you with terminolgies difficult to understand, go back to your original advisor with what you have been offered. Most of the time, your advisor will pick up that this is not an apples for apples comparison and inform you of the flaws and lack of transparency that has been offered. There are of course times when the new cover is better and possibly cheaper and if that is the case and your existing advisor cant match or didn't bother offering it to you, well then a change is very possibly warranted.

There is nothing wrong with getting a second opinion for piece of mind, but don't make hasty changes without hearing both sides of the story.

Most good advisors have hopefully shown you loyalty over the years by offering to see you once a year to update your existing and ever changing needs, and who will always keep you informed of ever evolving benefits. The last thing you ever want is to pay for a policy for many years and when it comes to crunch time, be told, sorry, you didn't have that option in place.

If any of this rings a bell, speak to your existing advisor about my concerns, or, if you don't have an existing advisor or one that doesn't look after you anymore, give me a call.

I will be more than happy to offer you advise and a review, free of charge.

Kind regards

Georg
0832997657

02/08/2023

23/07/2023

What its all about. Loyalty and a life changing outcome thanks to correct planning.

09/09/2021

Although we try not to think about these things, the truth is that with modern medicine, people with illnesses such as Dementia, Alzheimers, cancer, strokes and heart attacks just to mention a few, are living longer than ever before.

Im sure, everyone has, or knows someone with a parent or friend who is, or needs to go to an old age home or frail care centre and has heard, or is dealing with the cost associated with these assisted living facilities.

I have visited many of these in the Kzn area and the price for frail care varies from between R7500 and R37500 pm, depending on the quality and safety that the facilities offer.

As a financial advisor of over 20 years now, I have seen many people's, hard earned retirement and general saving wealth, being totally eroded away in a short space of time, due to the unforseen costs related to frailty. This in turn has made the financial and emotionally burden on their children and family an onerous and costly one.

If this is hitting home because you or your loved ones are facing this situation, or you are seeing the writing on the wall that this may one day happen to you ..... give me a call on 0832997657.

If you are under the age of 60, I have the perfect solution to ensure that you one day, wont be a burden to your family, and to ensure you won't have to use your retirement savings to pay for frail care or assistant living costs.

11/08/2020

Dear Georg
Please can you post this letter on your page on my behalf.
I would like to remain anonymous as I have many family and friends who are dealing with a lot financially at this time so I cannot find it in my heart to do this personally. The reason for the post is to inform people of the importance of having dread disease cover.
Here is my story;
Firstly, BIG KUDO’s to Georg and Momentum for the swift way in which my claim was handled.
I was diagnosed with what appeared to be a small basal cell carcinoma where the nose meets the cheek, I saw my GP in 2017 and the tumour was treated with cryo-therapy as it looked suspicious but we had hoped that this treatment would work. My GP advised me to seek help from a specialist should it return as we were not sure if it could be an invasive te****le type BCC. Towards the end of 2019 I noticed it had returned and the surface felt raised to the touch. I arranged to see a specialist and he recommended the tumour be removed. He advised me that a general anaesthetic was necessary as it will not be known how invasive it is until he sees it and it could most likely require a skin flap from my cheek, of which it did. It has taken three months to heal, which is usual for this kind of surgery.
Two months after surgery I contacted Georg to update him as my policy would need updating. When he heard my story he immediately told me he was going to send me a claim form to complete as I may have a claim. I was surprised, as the tumour was benign, so it never occurred to me that I could be covered. I thought if they do approve this claim it will be small so I did not anticipate the phone call from Georg literally two days later advising me that Momentum had approved R186 000.00 which amounts to 15% of my cover.
To say I was shocked is an understatement. I could not believe this was possible, I really thought Dread Disease cover would only apply if the tumour was malignant. The money was in my account the very next day. This came at a time when I too was going through a difficult time financially what with salary cuts, etc. A little nest egg and so unforeseen.
Georg is based at Quattro House, Overport, Durban
Many thanks once again Georg and Team at Momentum.