Somerset West · Western Cape · South Africa

Your financial future
starts with clarity.

I work with ambitious people: young professionals, growing families, and business owners who want to build real wealth, protect what matters most, and plan with genuine purpose. Not just products.

Find Out What You Need → Why Work With Me
FSP Authorised Representative
5 min Free Assessment
About me

The person
behind the plan.

Gabriel Templeton, Financial Adviser, Somerset West
Gabriel Templeton · Somerset West

My job is to protect what matters to you and put you in the best possible position for the future you actually want.

I'm Gabriel, a financial adviser based in Somerset West, working with clients across South Africa.

I came into this through the numbers. My BCom in Investment Management at Stellenbosch gave me a genuine understanding of how money works: how it compounds, what quietly erodes it, and why the right decision today can change everything a decade from now. That foundation shapes every conversation I have with a client.

What I actually do is simple. I look at your full picture and build a plan around it. Your income, your goals, your risks, your family. Not a product shelf. Not a commission structure. You. If something does not move you closer to where you want to be, it has no place in your plan.

I work best with people who are ambitious and serious about getting it right: young professionals building real foundations, families taking on bigger responsibilities, and business owners who have built something worth protecting. People who want straight answers, clear options, and an adviser who stays in the picture long after the first meeting.

Outside of work, I'm a former competitive rugby player who came up through Paul Roos and Stellenbosch University, and these days I channel that same discipline into hybrid-style training. I grew up moving around South Africa before a short stint in St Lucia and six years living in Wimbledon, London. That time abroad shaped how I see the world and eventually brought me back to Stellenbosch with a broader perspective and a clearer sense of where I belong. I'm a committed Liverpool supporter, and my faith is central to how I approach my work and my life. The discipline, the long game, the sense that you're playing for something bigger than yourself — that's how I think about your money too.

BCom Investment Management · Stellenbosch Based in Somerset West Serving clients across SA
Gabriel Templeton
Financial Adviser · Innovative FAS
What I do

Legacy. Protection.
Wealth.

01

Legacy Planning

Estate planning, wills, and beneficiary structuring to ensure your wealth reaches the right people in the most efficient and tax-effective way possible.

Estate Planning Wills Beneficiary Structuring Employee Benefits
Explore legacy planning →
02

Risk Protection

Your ability to earn is your most valuable asset. We make sure your income, your family, and your business are never left exposed without the right structures in place.

Life Cover Disability Income Protection Key-Person Cover Short-Term Insurance
Explore risk protection →
03

Wealth Creation

Tax-efficient investment strategies structured around your goals and your timeline. Build wealth that compounds alongside your career.

Retirement Annuities Tax-Free Savings Unit Trusts Offshore Investing
Explore wealth creation →
Who I help

Built for the
decisions that matter.

01 · Young Professionals

Starting strong

You are earning well and want to build properly from the start. Not figure it out the hard way at 45. We set the right foundations early, while time is still on your side.

02 · Families

Protecting what matters

Bigger responsibilities mean bigger stakes. We make sure your family is protected, your future is funded, and nothing essential is left exposed.

03 · Business Owners

Securing the upside and the downside

You have built something real. We protect the business against the loss of a key person, structure your wealth tax-efficiently, and make sure it all passes on cleanly.

Why work with me

Advice that works for you,
not for a product shelf.

As an independent-minded adviser, I have no allegiance to any single institution. My job is to understand your full financial picture and build around it.

01

Truly independent

I work across multiple insurers and providers, which means I compare the market on your behalf and recommend what fits, not what earns me the most.

02

Estate planning, built in

Through a dedicated partnership with Capital Legacy, I provide access to professional will drafting and legacy protection as part of your financial plan, not as an afterthought.

Capital Legacy Partner
03

The full picture, not just one piece

Risk cover, investments, tax efficiency, and estate planning all connect. I look at how each piece affects the others, so your plan holds together as your life changes.

04

No pressure, no agenda

Because I am not tied to one company, I have no quota to fill. Every recommendation is driven by your needs and your numbers, full stop.

05

Options, not ultimatums

You will always understand what is available to you, why one option suits you better than another, and what the trade-offs are. You make the final call, informed.

06

An ongoing relationship

Your financial plan is not a once-off document. Life changes, markets shift, goals evolve. I stay in the picture, review proactively, and adjust before you need to ask.

If you want straightforward advice, clear options, and someone who will hold you accountable to your financial goals, let's have a conversation.

Book a Consultation →
How we work together

Simple, clear,
no surprises.

01

The conversation

We start with a relaxed, no-obligation chat. I listen, ask the right questions, and understand where you are and where you want to go. No pitch.

02

The plan

I come back with a clear, prioritised plan in plain language: what to do first, why it matters, and what each option costs. You make the call, informed.

03

The relationship

We put it in place and I stay in the picture, reviewing proactively as your life changes so the plan keeps fitting you for years to come.

Your financial assessment

Find out where
you stand.

Answer 6 quick questions. No personal data required. I will give you a clear picture of where to focus first.

Step 1 of 6 0%
Ready when you are

Tell me about your situation — in 5 minutes.

This assessment helps me understand your current financial position and priorities. When we speak, we focus only on what actually matters for your situation.

    Send via WhatsApp

    This assessment is for informational purposes only and does not constitute financial advice. A formal needs analysis and Record of Advice will be completed during your consultation, under the supervision of the principal adviser.

    Resources & updates

    Start with clarity
    even before we talk.

    Stay in the loop

    Occasional, useful notes

    Short, practical thinking on money, tax, and protection, written for real people, not the industry. A few times a year, never more. Unsubscribe any time.

    Your details stay with me — never shared, never sold.
    Thanks for subscribing — your email app will open to confirm. Welcome aboard.
    Common questions

    The things people
    actually ask me.

    The initial conversation is always free. From there, most of my work is remunerated through the products and providers themselves, fully disclosed to you in writing before anything is put in place. Where a fee applies, you will know the exact amount upfront. No hidden costs, no surprises.

    No. I'll review what you already have honestly, and if it's working, I'll tell you to keep it. I only ever recommend a change when it genuinely puts you in a better position. The goal is the right plan for you, not churning products.

    Almost certainly not. The decisions you make early — how you save, how you're covered, how you structure things for tax — these compound enormously over time. Starting earlier is the single biggest advantage you can give yourself. It costs nothing to find out where you stand.

    We talk. I ask about your income, goals, family, and what's on your mind financially. There's no pressure and no obligation to buy anything. You'll leave with a clearer understanding of your situation, whether or not we decide to work together.

    I work across multiple insurers and product providers, which means I compare the market on your behalf rather than pushing one company's range. I'm an authorised representative operating under the Legacy Planning Institute (Pty) Ltd t/a Innovative FAS, giving me institutional backing and oversight, while you still deal with me directly.