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Monday 08:00 - 16:30 Tuesday 08:00 - 16:30 Wednesday 08:00 - 16:30 Thursday 08:00 - 16:30 Friday 08:00 - 16:30

Martin Godfrey, Financial Adviser - The Hereford Group

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Martin Godfrey, Financial Adviser - The Hereford Group

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Professional Financial and Wealth Planning Advice. I have 36 years in the financial planning industry. Contact me for all your financial planning needs.

As a Financial Adviser with The Hereford Group Pietermaritzburg, I offer comprehensive financial and wealth planning with market leading products to suit your individual needs. The Hereford Group is the largest independently owned financial planning company in South Africa and is affiliated with the Liberty Group and all the other major life and short term insurers through our wholly owned subsidiary Hampshire Independent Advisors. I offer holistic professional advice on every aspect of your financial planning needs including life assurance, lump sum and income disability cover, dread disease/severe illness and impairment cover, pre and post retirement planning, annuities, endowments and lump sum investment planning. In the corporate environment, I assist with setting up of pension and provident funds, all forms of business assurance including buy and sell arrangements, future liability protection, and loan account redemption plans. I have access to all the major medical schemes and GAP cover offerings as well as asset management, business and personal short-term insurance and Wills and Trusts.

14/09/2026

Here is a sobering thought for the week:

440 income earners die DAILY!
145 income earners are disabled DAILY!
65 income earners are diagnosed with a critical illness DAILY!

Even more sobering, is that the majority of these people are inadequately insured or not insured at all!

Don’t wait for a life-changing event to discover that your financial planning is inadequate or non-existent.

The good news: I can help.

All it takes is to call me today to make an appointment to discuss your financial planning needs.

Don’t wait until it’s too late!

14/09/2026

Here is a sobering thought for the week:

440 income earners die DAILY!
145 income earners are disabled DAILY!
65 income earners are diagnosed with a critical illness DAILY!

Even sadder, is that the majority of these people are inadequately insured or not insured at all!

Don’t wait for a life-changing event to discover that your financial planning is inadequate or non-existent.

The good news: I can help.

All it takes is to call me today to make an appointment to discuss your financial planning needs.

Don’t wait until it’s too late!

27/03/2026

• South Africans are underinsured. FACT
• 55% of Estates being wound up have cash/liquidity shortfalls. FACT
• Most South Africans are blissfully unaware of the ACTUAL cost of winding up an Estate. FACT
• Transferring a property in an Estate can be costly. FACT
• Dying Intestate (without a Will) can delay an Estate for years. FACT
• Money left to kids where no Trust provision has been made, goes into the Guardians Fund. FACT
• The Guardians Fund is a bureaucratic nightmare to deal with. FACT

I keep telling you to talk to me about your financial planning.

Why risk leaving your family with stress, delays, and unnecessary costs when you could plan properly today?

Call me TODAY!

20/03/2026

Why Gap Cover?

Unexpected medical expenses can leave you facing a significant financial burden—especially when specialists and doctors charge well above medical aid rates for in-hospital and certain out-of-hospital procedures.

This is where Gap Cover becomes essential.

Gap Cover is designed to bridge the gap between what your medical aid pays and what private practitioners actually charge and differences that can run into tens or even hundreds of thousands of rands, for which you are personally liable.

Real shortfall claims paid in 2024/2025 include:

• Natural Childbirth: R38,480
• Caesarean Section: R47,535
• Knee Replacement: R98,173
• Hip Replacement: R205,490
• Fractured Arm Surgery: R53,663
• Heart Surgery: R156,496
•
Without Gap Cover, these costs come straight out of your pocket.

I can assist you with individual or family Gap Cover options, including:

• No overall maximum entry age
• Highly competitive premiums for individuals under age 42
• Available to all members of registered South African medical aids
• Cover that continues with no maximum expiry age

Important: Gap Cover is not a medical aid and does not replace medical aid membership. It is designed to work alongside your medical aid to protect you from costly shortfalls.

Let’s have a conversation about how to protect you and your family from unexpected medical expenses.

20/03/2026

Why Gap Cover?

Unexpected medical expenses can leave you facing a significant financial burden—especially when specialists and doctors charge well above medical aid rates for in-hospital and certain out-of-hospital procedures.

This is where Gap Cover becomes essential.

Gap Cover is designed to bridge the gap between what your medical aid pays and what private practitioners actually charge and differences that can run into tens or even hundreds of thousands of rands, for which you are personally liable.

Real shortfall claims paid in 2024/2025 include:

• Natural Childbirth: R38,480
• Caesarean Section: R47,535
• Knee Replacement: R98,173
• Hip Replacement: R205,490
• Fractured Arm Surgery: R53,663
• Heart Surgery: R156,496
•
Without Gap Cover, these costs come straight out of your pocket.

I can assist you with individual or family Gap Cover options, including:

• No overall maximum entry age
• Highly competitive premiums for individuals under age 42
• Available to all members of registered South African medical aids
• Cover that continues with no maximum expiry age
•
Important: Gap Cover is not a medical aid and does not replace medical aid membership. It is designed to work alongside your medical aid to protect you from costly shortfalls.

Let’s have a conversation about how to protect you and your family from unexpected medical expenses.

12/03/2026

Your greatest asset is NOT your house.
It is NOT your car.
It is NOT even your family.

Your greatest asset is your ability to earn an income.

Now read that last line again.

Your income pays the bills.
It puts food on the table.
It keeps a roof over your family’s heads and funds your future.

But what would happen if illness, disability, or a life-changing event suddenly took that ability away?

Protecting your income should be your top financial priority.

Let’s have a conversation about Income Protection and Disability Cover and how to safeguard the asset that makes everything else possible.

Give me a call and let’s make sure you are properly protected — before it’s too late!

25/02/2026

Good news form todays budget:

📊 Turning the Corner
Finance Minister says SA is stabilising its finances after nearly 17 years. Debt is expected to level off and revenue collections are stronger than expected.

💰 Tax-Free Investing Boost
Annual TFSA limit increased ➡️ From R36,000 to R46,000 per year.
More opportunity for tax-free growth. 📈

🧾 Retirement Savings Win
Maximum deductible retirement contribution ➡️ From R350,000 to R430,000 per year. Encourages long-term saving.

🏢 Big Relief for Small Business
VAT registration threshold increased ➡️ From R1 million to R2.3 million turnover.

🏥 Medical Aid Relief Maintained
Medical tax credits adjusted with inflation — no reduction in support for members.

17/02/2026

Have you provided for your families?

17/02/2026

Hereford - The brand you need or all your financial planning needs.

17/02/2026

I cannot stress the importance of having a valid Will.

Too many South Africans die intestate which then leaves the Master Of The Court, to appoint an Executor to wind up your Estate.

A valid signed Will ensures that your assets are distributed according to your express wishes.

Without one, intestate succession will apply and this means that your assets will be divided according to a rigid legal formula and one which probably won't align with your wishes. This generally causes financial distress for your loved ones and family disputes.

A Will allows you to appoint the Executor of your choice, nominate guardians for minor children and to protect them through Testamentary Trusts and to nominate beneficiaries for the residue of your Estate

It specifies exactly who inherits your property, money, and personal possessions and also documents your funeral preferences and your choice of cremation or burial.

It is also vitally important to review your Will annually and update if necessary. This process this must form an integral part of your overall financial planning.

Unless you can predict when you will die or have a life changing event, you need totTalk to me about your Will and financial planning needs.

DO IT!

Address

Hereford Group Pietermaritzburg, 11 Chatterton Road
Pietermaritzburg
3201

Opening Hours

Monday	08:00 - 16:30
Tuesday	08:00 - 16:30
Wednesday	08:00 - 16:30
Thursday	08:00 - 16:30
Friday	08:00 - 16:30

Website

http://www.herefordgroup.co.za/

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