{"id":15,"date":"2022-08-09T19:16:50","date_gmt":"2022-08-09T17:16:50","guid":{"rendered":"https:\/\/www.efgroup.co.za\/?page_id=15"},"modified":"2024-11-07T07:01:20","modified_gmt":"2024-11-07T05:01:20","slug":"home","status":"publish","type":"page","link":"https:\/\/www.efgroup.co.za\/","title":{"rendered":"Home"},"content":{"rendered":"<div id='full_slider_1'  class='avia-fullwidth-slider main_color avia-shadow   avia-builder-el-0  el_before_av_section  avia-builder-el-first   container_wrap fullsize'  ><div  class='avia-slideshow av-l6qgyyas-88a3dbd46f8173d8e3fab9143cc0237d avia-slideshow-no scaling av_slideshow_full avia-slide-slider av-slideshow-ui av-control-default av-slideshow-manual av-loop-once av-loop-manual-endless av-default-height-applied   avia-slideshow-1' data-slideshow-options=\"{&quot;animation&quot;:&quot;slide&quot;,&quot;autoplay&quot;:false,&quot;loop_autoplay&quot;:&quot;once&quot;,&quot;interval&quot;:5,&quot;loop_manual&quot;:&quot;manual-endless&quot;,&quot;autoplay_stopper&quot;:false,&quot;noNavigation&quot;:false,&quot;bg_slider&quot;:false,&quot;keep_padding&quot;:false,&quot;hoverpause&quot;:false,&quot;show_slide_delay&quot;:0}\"  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><ul class='avia-slideshow-inner ' style='padding-bottom: 25%;'><li  class='avia-slideshow-slide av-l6qgyyas-88a3dbd46f8173d8e3fab9143cc0237d__0  av-single-slide slide-1 slide-odd'><div data-rel='slideshow-1' class='avia-slide-wrap '   ><img decoding=\"async\" class=\"wp-image-919 avia-img-lazy-loading-not-919\"  src=\"https:\/\/www.efgroup.co.za\/wp-content\/uploads\/2024\/09\/Efficient_Expedition-4.png\" width=\"2000\" height=\"500\" title='Efficient_Expedition-4' alt=''  itemprop=\"thumbnailUrl\"  style='min-height:250px; min-width:1000px; ' srcset=\"https:\/\/www.efgroup.co.za\/wp-content\/uploads\/2024\/09\/Efficient_Expedition-4.png 2000w, https:\/\/www.efgroup.co.za\/wp-content\/uploads\/2024\/09\/Efficient_Expedition-4-300x75.png 300w, https:\/\/www.efgroup.co.za\/wp-content\/uploads\/2024\/09\/Efficient_Expedition-4-1030x258.png 1030w, https:\/\/www.efgroup.co.za\/wp-content\/uploads\/2024\/09\/Efficient_Expedition-4-768x192.png 768w, https:\/\/www.efgroup.co.za\/wp-content\/uploads\/2024\/09\/Efficient_Expedition-4-1536x384.png 1536w, https:\/\/www.efgroup.co.za\/wp-content\/uploads\/2024\/09\/Efficient_Expedition-4-1500x375.png 1500w, https:\/\/www.efgroup.co.za\/wp-content\/uploads\/2024\/09\/Efficient_Expedition-4-705x176.png 705w\" sizes=\"(max-width: 2000px) 100vw, 2000px\" \/><\/div><\/li><\/ul><\/div><\/div>\n<div id='av_section_1'  class='avia-section av-2s8vv-28554bcdeac47fafdea06d16d3fa7c74 alternate_color avia-section-default avia-no-border-styling  avia-builder-el-1  el_after_av_slideshow_full  el_before_av_tab_section  avia-bg-style-scroll container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-15'><div class='entry-content-wrapper clearfix'>\n<div class='flex_column_table av-235pz-2dc7d8771663740625ed44738894602f sc-av_three_fifth av-equal-height-column-flextable'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-235pz-2dc7d8771663740625ed44738894602f\">\n#top .flex_column_table.av-equal-height-column-flextable.av-235pz-2dc7d8771663740625ed44738894602f{\nmargin-top:-25%;\nmargin-bottom:30px;\n}\n<\/style>\n<div class='flex_column av-235pz-2dc7d8771663740625ed44738894602f av_three_fifth  avia-builder-el-2  el_before_av_two_fifth  avia-builder-el-first  first flex_column_table_cell av-equal-height-column av-align-top '     ><\/div><div class='av-flex-placeholder'><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1cz4n-2d2ef9e33f971989f08155570075a8d4\">\n@-webkit-keyframes av_boxShadowEffect_av-1cz4n-2d2ef9e33f971989f08155570075a8d4-column {\n0%   { box-shadow:  0 0 0 0 #c6c6c6; opacity: 1; }\n100% { box-shadow:  0 0 10px 0 #c6c6c6; opacity: 1; }\n}\n@keyframes av_boxShadowEffect_av-1cz4n-2d2ef9e33f971989f08155570075a8d4-column {\n0%   { box-shadow:  0 0 0 0 #c6c6c6; opacity: 1; }\n100% { box-shadow:  0 0 10px 0 #c6c6c6; opacity: 1; }\n}\n#top .flex_column_table.av-equal-height-column-flextable.av-1cz4n-2d2ef9e33f971989f08155570075a8d4{\nmargin-top:0px;\nmargin-bottom:0px;\n}\n.flex_column.av-1cz4n-2d2ef9e33f971989f08155570075a8d4{\nbox-shadow: 0 0 10px 0 #c6c6c6;\npadding:30px 30px 30px 30px;\nbackground-color:#ffffff;\n}\n<\/style>\n<div class='flex_column av-1cz4n-2d2ef9e33f971989f08155570075a8d4 av_two_fifth  avia-builder-el-3  el_after_av_three_fifth  el_before_av_one_full  flex_column_table_cell av-equal-height-column av-align-top av-animated-generic fade-in-up shadow-not-animated '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l6qnj1ao-5c67feccb00d6b53be97df08d8054797\">\n#top .av_textblock_section.av-l6qnj1ao-5c67feccb00d6b53be97df08d8054797 .avia_textblock{\nfont-size:26px;\ncolor:#101010;\n}\n\n@media only screen and (max-width: 479px){ \n#top .av_textblock_section.av-l6qnj1ao-5c67feccb00d6b53be97df08d8054797 .avia_textblock{\nfont-size:20px;\n}\n}\n<\/style>\n<section  class='av_textblock_section av-l6qnj1ao-5c67feccb00d6b53be97df08d8054797'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock line-hieght-1 mobile-text-center av_inherit_color'  itemprop=\"text\" ><p>Follow the 39-day Efficient Expedition on our social media, engage and reshare!<\/p>\n<\/div><\/section><br \/>\n<div  class='avia-button-wrap av-l6qnl6dp-57c689c5c3883d69f5e512413c277546-wrap avia-button-left  avia-builder-el-5  el_after_av_textblock  avia-builder-el-last  mobile-btn-center' >\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l6qnl6dp-57c689c5c3883d69f5e512413c277546\">\n#top #wrap_all .avia-button.av-l6qnl6dp-57c689c5c3883d69f5e512413c277546{\nbackground-color:#000;\nborder-color:#000;\ncolor:#ffffff;\n-webkit-transition:all 0.4s ease-in-out;\n-moz-transition:all 0.4s ease-in-out;\n-ms-transition:all 0.4s ease-in-out;\n-o-transition:all 0.4s ease-in-out;\ntransition:all 0.4s ease-in-out;\n}\n<\/style>\n<a href='https:\/\/www.efgroup.co.za\/about-us\/efficient-expedition\/'  class='avia-button av-l6qnl6dp-57c689c5c3883d69f5e512413c277546 avia-icon_select-no avia-size-medium avia-position-left' ><span class='avia_iconbox_title' >Read More<\/span><\/a><\/div><\/p><\/div><\/div><!--close column table wrapper. Autoclose: 1 --><div class='flex_column av-11m0v-9f6d743042d20e5224fb4063c34583c8 av_one_full  avia-builder-el-6  el_after_av_two_fifth  avia-builder-el-last  first flex_column_div av-animated-generic bottom-to-top '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l6qnncmt-93cec8b534f53bbab010ce5cd9dc6ad2\">\n#top .av-special-heading.av-l6qnncmt-93cec8b534f53bbab010ce5cd9dc6ad2{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-l6qnncmt-93cec8b534f53bbab010ce5cd9dc6ad2 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-l6qnncmt-93cec8b534f53bbab010ce5cd9dc6ad2 .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-l6qnncmt-93cec8b534f53bbab010ce5cd9dc6ad2 .av-special-heading-tag{\nfont-size:22px;\n}\n}\n<\/style>\n<div  class='av-special-heading av-l6qnncmt-93cec8b534f53bbab010ce5cd9dc6ad2 av-special-heading-h2 blockquote modern-quote  avia-builder-el-7  el_before_av_textblock  avia-builder-el-first  mobile-text-center'><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >We co-ordinate our portfolio of partnerships to provide financial solutions that deliver optimal value to help clients attain financial well-being. <\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-l6qnnzl3-dff2e19bfbfc0569c4ce1cd39dde89c9'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock mobile-text-center'  itemprop=\"text\" ><p>Our portfolio of differentiated businesses is organised across three distinct clusters: Wealth, Risk and Investments, Mutli-Manager and Management Company. These business units operate autonomously and synergistically with each other to provide cradle-to-grave solutions that grow, protect and transfer clients&#8217; assets.<\/p>\n<p>We provide individual, as well as business solutions.<\/p>\n<\/div><\/section><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-35hw3-cc082edb95abda0a04176ac646a32195\">\n.av-tab-section-outer-container.av-35hw3-cc082edb95abda0a04176ac646a32195 .av-tab-section-tab-title-container{\nbackground-color:#000;\n}\n#top .av-tab-section-outer-container.av-35hw3-cc082edb95abda0a04176ac646a32195 .av-section-tab-title{\ncolor:#ffffff;\n}\n#top .av-tab-section-outer-container.av-35hw3-cc082edb95abda0a04176ac646a32195 .av-active-tab-title.av-section-tab-title{\ncolor:#000;\n}\n<\/style>\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av-tab-section-1'  class='av-tab-section-container entry-content-wrapper main_color av-tab-no-transition   av-tab-above-content  avia-builder-el-9  el_after_av_section  el_before_av_section  custom-tabs tab-section-not-first container_wrap fullsize'  ><div class='av-tab-section-outer-container av-35hw3-cc082edb95abda0a04176ac646a32195'><div class='av-tab-section-tab-title-container avia-tab-title-padding-none av-custom-tab-color' role='tablist'><a href='#individual' data-av-tab-section-title='1' class='av-section-tab-title av-active-tab-title no-scroll av-l6qongia-f67f8bd2f76383d12ab25d979ce0bbc9 av-tab-no-icon av-tab-no-image ' role='tab' tabindex='0' aria-controls='av-tab-section-1-1'><span class='av-outer-tab-title'><span class='av-inner-tab-title'>Individual<\/span><\/span><span class=\"av-tab-arrow-container\"><span><\/span><\/span><\/a><a href='#business' data-av-tab-section-title='2' class='av-section-tab-title  av-l6qongia-15-f2e76d2df71d47454597d45eb0f8d7a3 av-tab-no-icon av-tab-no-image ' role='tab' tabindex='0' aria-controls='av-tab-section-1-2'><span class='av-outer-tab-title'><span class='av-inner-tab-title'>Business<\/span><\/span><span class=\"av-tab-arrow-container\"><span><\/span><\/span><\/a><\/div><div class='avia-slideshow-arrows av-tabsection-arrow' ><a href='#prev' class='prev-slide av_prev_tab_section av-tab-section-slide' aria-hidden='true' data-av_icon='\ue87c' data-av_iconfont='entypo-fontello'  tabindex='-1'>Previous<\/a><a href='#next' class='next-slide av_next_tab_section av-tab-section-slide' aria-hidden='true' data-av_icon='\ue87d' data-av_iconfont='entypo-fontello'  tabindex='-1'>Next<\/a><\/div><div class='av-tab-section-inner-container avia-section-small' style='width:200vw; left:0%;'><span class=\"av_prev_tab_section av_tab_navigation\"><\/span><span class=\"av_next_tab_section av_tab_navigation\"><\/span>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l6qongia-f67f8bd2f76383d12ab25d979ce0bbc9\">\n.av-layout-tab.av-l6qongia-f67f8bd2f76383d12ab25d979ce0bbc9{\nvertical-align:middle;\n}\n<\/style>\n<div id='av-tab-section-1-1' class='av-layout-tab av-l6qongia-f67f8bd2f76383d12ab25d979ce0bbc9 av-animation-delay-container  avia-builder-el-10  el_before_av_tab_sub_section  avia-builder-el-first  av-active-tab-content __av_init_open ' data-av-deeplink-tabs=\"\" data-av-tab-section-content=\"1\" data-tab-section-id=\"individual\"><div class=\"av-layout-tab-inner\"><div class=\"container\"><p><div class='flex_column av-2g2zz-5b5215e6df764901af5fab34feae1d9f av_one_full  avia-builder-el-11  el_before_av_one_third  avia-builder-el-first  first flex_column_div av-animated-generic bottom-to-top '     ><section  class='av_textblock_section av-l6qoooly-796f41e5656757f1ab1b6dd7e43eb1c7'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Your Decision, through its clusters provides a host of personal\/business related financial services and value added benefits via its own internal resources and in partnership with a number of specialist financial services providers.<\/p>\n<\/div><\/section><\/div><div class='flex_column_table av-l6qpuj7t-214cc8a17517ddd7458e0fed9689ebe2 sc-av_one_third av-equal-height-column-flextable'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l6qpuj7t-214cc8a17517ddd7458e0fed9689ebe2\">\n#top .flex_column_table.av-equal-height-column-flextable.av-l6qpuj7t-214cc8a17517ddd7458e0fed9689ebe2{\nmargin-top:30px;\nmargin-bottom:0px;\n}\n.flex_column.av-l6qpuj7t-214cc8a17517ddd7458e0fed9689ebe2{\nbackground:url(https:\/\/www.efgroup.co.za\/wp-content\/uploads\/2022\/08\/financial-planning.jpg) 50% 50% no-repeat scroll #101010;\n}\n<\/style>\n<div class='flex_column av-l6qpuj7t-214cc8a17517ddd7458e0fed9689ebe2 av_one_third  avia-builder-el-13  el_after_av_one_full  el_before_av_one_third  link-blocks first no_margin flex_column_table_cell av-equal-height-column av-align-top av-animated-generic bottom-to-top avia-full-stretch avia-link-column av-column-link column-top-margin'    data-link-column-url=\"https:\/\/www.efgroup.co.za\/individual-solutions\/financial-planning\/\"   ><a class=\"av-screen-reader-only\" href=https:\/\/www.efgroup.co.za\/individual-solutions\/financial-planning\/ >Link to: Financial Planning<\/a><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l6qppjty-f415445e8cad5c590a74b083b457deae\">\n#top .av-special-heading.av-l6qppjty-f415445e8cad5c590a74b083b457deae{\npadding-bottom:10px;\ncolor:#ffffff;\n}\nbody .av-special-heading.av-l6qppjty-f415445e8cad5c590a74b083b457deae .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-l6qppjty-f415445e8cad5c590a74b083b457deae .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-l6qppjty-f415445e8cad5c590a74b083b457deae .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-l6qppjty-f415445e8cad5c590a74b083b457deae av-special-heading-h4 custom-color-heading blockquote modern-quote  avia-builder-el-14  avia-builder-el-no-sibling '><h4 class='av-special-heading-tag'  itemprop=\"headline\"  >Financial Planning<\/h4><div class='av_custom_color av-subheading av-subheading_below'><p>As your lifelong financial well-being partner, we do not make light of your money because we know how hard you have worked for it.<\/p>\n<\/div><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l6qps52v-bc44e41b61cb908c5a4cb1ed5ed6fdd8\">\n#top .flex_column_table.av-equal-height-column-flextable.av-l6qps52v-bc44e41b61cb908c5a4cb1ed5ed6fdd8{\nmargin-top:0px;\nmargin-bottom:0px;\n}\n.flex_column.av-l6qps52v-bc44e41b61cb908c5a4cb1ed5ed6fdd8{\nbackground-color:#5d5c5a;\n}\n<\/style>\n<div class='flex_column av-l6qps52v-bc44e41b61cb908c5a4cb1ed5ed6fdd8 av_one_third  avia-builder-el-15  el_after_av_one_third  el_before_av_one_third  link-blocks no_margin flex_column_table_cell av-equal-height-column av-align-top av-animated-generic bottom-to-top avia-link-column av-column-link column-top-margin'    data-link-column-url=\"https:\/\/www.efgroup.co.za\/individual-solutions\/healthcare\/\"   ><a class=\"av-screen-reader-only\" href=https:\/\/www.efgroup.co.za\/individual-solutions\/healthcare\/ >Link to: Healthcare<\/a><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l6qpntqx-65165ee4aea62adecd4a0c14be5a2b3b\">\n#top .av-special-heading.av-l6qpntqx-65165ee4aea62adecd4a0c14be5a2b3b{\npadding-bottom:10px;\ncolor:#ffffff;\n}\nbody .av-special-heading.av-l6qpntqx-65165ee4aea62adecd4a0c14be5a2b3b .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-l6qpntqx-65165ee4aea62adecd4a0c14be5a2b3b .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-l6qpntqx-65165ee4aea62adecd4a0c14be5a2b3b .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-l6qpntqx-65165ee4aea62adecd4a0c14be5a2b3b av-special-heading-h4 custom-color-heading blockquote modern-quote  avia-builder-el-16  avia-builder-el-no-sibling '><h4 class='av-special-heading-tag'  itemprop=\"headline\"  >Health Care<\/h4><div class='av_custom_color av-subheading av-subheading_below'><p>We understand that your wealth cannot be separated from your health, and that is why your financial welfare cannot be separated from your physical well-being.<\/p>\n<\/div><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l6qq11o1-6100eb498344cc45d88107030bb7d09d\">\n#top .flex_column_table.av-equal-height-column-flextable.av-l6qq11o1-6100eb498344cc45d88107030bb7d09d{\nmargin-top:0px;\nmargin-bottom:0px;\n}\n.flex_column.av-l6qq11o1-6100eb498344cc45d88107030bb7d09d{\nbackground:url(https:\/\/www.efgroup.co.za\/wp-content\/uploads\/2022\/08\/investment-management.jpg) 50% 50% no-repeat scroll #3c6e8f;\n}\n<\/style>\n<div class='flex_column av-l6qq11o1-6100eb498344cc45d88107030bb7d09d av_one_third  avia-builder-el-17  el_after_av_one_third  el_before_av_two_fifth  link-blocks adjust-width no_margin flex_column_table_cell av-equal-height-column av-align-top av-animated-generic bottom-to-top avia-full-stretch avia-link-column av-column-link column-top-margin'    data-link-column-url=\"https:\/\/www.efgroup.co.za\/individual-solutions\/investment-management\/\"   ><a class=\"av-screen-reader-only\" href=https:\/\/www.efgroup.co.za\/individual-solutions\/investment-management\/ >Link to: Investment Management<\/a><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l6qpqj5s-66ef5127be6bc1a7d956398cb952f9b9\">\n#top .av-special-heading.av-l6qpqj5s-66ef5127be6bc1a7d956398cb952f9b9{\npadding-bottom:10px;\ncolor:#ffffff;\n}\nbody .av-special-heading.av-l6qpqj5s-66ef5127be6bc1a7d956398cb952f9b9 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-l6qpqj5s-66ef5127be6bc1a7d956398cb952f9b9 .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-l6qpqj5s-66ef5127be6bc1a7d956398cb952f9b9 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-l6qpqj5s-66ef5127be6bc1a7d956398cb952f9b9 av-special-heading-h4 custom-color-heading blockquote modern-quote  avia-builder-el-18  avia-builder-el-no-sibling '><h4 class='av-special-heading-tag'  itemprop=\"headline\"  >Investment Management<\/h4><div class='av_custom_color av-subheading av-subheading_below'><p>We understand that the investment environment offers a range of investment options, each with its own risk, return, term, tax, and legal considerations.<\/p>\n<\/div><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><\/div><\/div><!--close column table wrapper. Autoclose: 1 --><div class='flex_column_table av-l6qq52sv-2cf9a453eafc1b2f6e8c43f0b0ef1c27 sc-av_two_fifth av-equal-height-column-flextable'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l6qq52sv-2cf9a453eafc1b2f6e8c43f0b0ef1c27\">\n#top .flex_column_table.av-equal-height-column-flextable.av-l6qq52sv-2cf9a453eafc1b2f6e8c43f0b0ef1c27{\nmargin-top:0px;\nmargin-bottom:0px;\n}\n.flex_column.av-l6qq52sv-2cf9a453eafc1b2f6e8c43f0b0ef1c27{\nbackground-color:#101010;\n}\n<\/style>\n<div class='flex_column av-l6qq52sv-2cf9a453eafc1b2f6e8c43f0b0ef1c27 av_two_fifth  avia-builder-el-19  el_after_av_one_third  el_before_av_one_fifth  link-blocks first no_margin flex_column_table_cell av-equal-height-column av-align-top av-animated-generic bottom-to-top avia-link-column av-column-link column-top-margin'    data-link-column-url=\"https:\/\/www.efgroup.co.za\/individual-solutions\/life-assurance\/\"   ><a class=\"av-screen-reader-only\" href=https:\/\/www.efgroup.co.za\/individual-solutions\/life-assurance\/ >Link to: Life Assurance<\/a><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l6qpmvd4-3d76db2afb0c74ca2288b68950fbffb6\">\n#top .av-special-heading.av-l6qpmvd4-3d76db2afb0c74ca2288b68950fbffb6{\npadding-bottom:10px;\ncolor:#ffffff;\n}\nbody .av-special-heading.av-l6qpmvd4-3d76db2afb0c74ca2288b68950fbffb6 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-l6qpmvd4-3d76db2afb0c74ca2288b68950fbffb6 .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-l6qpmvd4-3d76db2afb0c74ca2288b68950fbffb6 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-l6qpmvd4-3d76db2afb0c74ca2288b68950fbffb6 av-special-heading-h4 custom-color-heading blockquote modern-quote  avia-builder-el-20  avia-builder-el-no-sibling '><h4 class='av-special-heading-tag'  itemprop=\"headline\"  >Life Assurance<\/h4><div class='av_custom_color av-subheading av-subheading_below'><p>Although life assurance, personal risk cover, income protection, life cover, and dread disease cover are often perceived as \u2018grudge purchases\u2019.<\/p>\n<\/div><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l6qq6o24-6163f93d2e62090d01e7760e137a6d8f\">\n#top .flex_column_table.av-equal-height-column-flextable.av-l6qq6o24-6163f93d2e62090d01e7760e137a6d8f{\nmargin-top:0px;\nmargin-bottom:0px;\n}\n.flex_column.av-l6qq6o24-6163f93d2e62090d01e7760e137a6d8f{\nbackground:url(https:\/\/www.efgroup.co.za\/wp-content\/uploads\/2022\/08\/short-term.jpg) 50% 50% no-repeat scroll #3c6e8f;\n}\n<\/style>\n<div class='flex_column av-l6qq6o24-6163f93d2e62090d01e7760e137a6d8f av_one_fifth  avia-builder-el-21  el_after_av_two_fifth  el_before_av_two_fifth  link-blocks no_margin flex_column_table_cell av-equal-height-column av-align-top av-animated-generic bottom-to-top avia-full-stretch avia-link-column av-column-link column-top-margin'    data-link-column-url=\"https:\/\/www.efgroup.co.za\/individual-solutions\/short-term-insurance\/\"   ><a class=\"av-screen-reader-only\" href=https:\/\/www.efgroup.co.za\/individual-solutions\/short-term-insurance\/ >Link to: Short-term Insurance<\/a><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2dkev-18db5148ea7a61b5234a6b844750b64a\">\n#top .av-special-heading.av-2dkev-18db5148ea7a61b5234a6b844750b64a{\npadding-bottom:10px;\ncolor:#ffffff;\n}\nbody .av-special-heading.av-2dkev-18db5148ea7a61b5234a6b844750b64a .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-2dkev-18db5148ea7a61b5234a6b844750b64a .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-2dkev-18db5148ea7a61b5234a6b844750b64a .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-2dkev-18db5148ea7a61b5234a6b844750b64a av-special-heading-h4 custom-color-heading blockquote modern-quote  avia-builder-el-22  avia-builder-el-no-sibling '><h4 class='av-special-heading-tag'  itemprop=\"headline\"  >Short-Term<\/h4><div class='av_custom_color av-subheading av-subheading_below'><p>Short-term insurance is an extremely important aspect of risk management within any financial plan.<\/p>\n<\/div><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l6qq68ho-1613382e8b31f8f10a1dec828647ed9c\">\n#top .flex_column_table.av-equal-height-column-flextable.av-l6qq68ho-1613382e8b31f8f10a1dec828647ed9c{\nmargin-top:0px;\nmargin-bottom:0px;\n}\n.flex_column.av-l6qq68ho-1613382e8b31f8f10a1dec828647ed9c{\nbackground-color:#000;\n}\n<\/style>\n<div class='flex_column av-l6qq68ho-1613382e8b31f8f10a1dec828647ed9c av_two_fifth  avia-builder-el-23  el_after_av_one_fifth  avia-builder-el-last  link-blocks no_margin flex_column_table_cell av-equal-height-column av-align-top av-animated-generic bottom-to-top avia-link-column av-column-link column-top-margin'    data-link-column-url=\"https:\/\/www.efgroup.co.za\/individual-solutions\/fiduciary-services-wills-and-trust\/\"   ><a class=\"av-screen-reader-only\" href=https:\/\/www.efgroup.co.za\/individual-solutions\/fiduciary-services-wills-and-trust\/ >Link to: Fiduciary Services: Wills and Trust<\/a><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1cn3b-4910a99829b54ec5716ff6dcd9fcf064\">\n#top .av-special-heading.av-1cn3b-4910a99829b54ec5716ff6dcd9fcf064{\npadding-bottom:10px;\ncolor:#ffffff;\n}\nbody .av-special-heading.av-1cn3b-4910a99829b54ec5716ff6dcd9fcf064 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-1cn3b-4910a99829b54ec5716ff6dcd9fcf064 .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-1cn3b-4910a99829b54ec5716ff6dcd9fcf064 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-1cn3b-4910a99829b54ec5716ff6dcd9fcf064 av-special-heading-h4 custom-color-heading blockquote modern-quote  avia-builder-el-24  avia-builder-el-no-sibling '><h4 class='av-special-heading-tag'  itemprop=\"headline\"  >Fiduciary Benefits<\/h4><div class='av_custom_color av-subheading av-subheading_below'><p>As your lifelong financial well-being partner, we include all of your life stages in our financial planning.<\/p>\n<\/div><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><\/div><\/div><!--close column table wrapper. Autoclose: 1 --><\/p>\n<\/div><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l6qongia-15-f2e76d2df71d47454597d45eb0f8d7a3\">\n.av-layout-tab.av-l6qongia-15-f2e76d2df71d47454597d45eb0f8d7a3{\nvertical-align:middle;\n}\n<\/style>\n<div id='av-tab-section-1-2' class='av-layout-tab av-l6qongia-15-f2e76d2df71d47454597d45eb0f8d7a3 av-animation-delay-container  avia-builder-el-25  el_after_av_tab_sub_section  avia-builder-el-last  ' data-av-deeplink-tabs=\"\" data-av-tab-section-content=\"2\" data-tab-section-id=\"business\"><div class=\"av-layout-tab-inner\"><div class=\"container\"><p><div class='flex_column av-2g2zz-14-afde1306489a5bb66c929d483d3ed1be av_one_full  avia-builder-el-26  el_before_av_one_fourth  avia-builder-el-first  first flex_column_div '     ><section  class='av_textblock_section av-l6qoooly-13-1113449b7f258341fdeda1992ba9d772'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Your Decision, through its clusters provides a host of personal\/business related financial services and value added benefits via its own internal resources and in partnership with a number of specialist financial services providers.<\/p>\n<\/div><\/section><\/div><div class='flex_column_table av-l6qpuj7t-12-70a208e7cb58494c3e51164c604e8262 sc-av_one_fourth av-equal-height-column-flextable'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l6qpuj7t-12-70a208e7cb58494c3e51164c604e8262\">\n#top .flex_column_table.av-equal-height-column-flextable.av-l6qpuj7t-12-70a208e7cb58494c3e51164c604e8262{\nmargin-top:30px;\nmargin-bottom:0px;\n}\n.flex_column.av-l6qpuj7t-12-70a208e7cb58494c3e51164c604e8262{\nbackground:url(https:\/\/www.efgroup.co.za\/wp-content\/uploads\/2022\/08\/financial-planning.jpg) 50% 50% no-repeat scroll #101010;\n}\n<\/style>\n<div class='flex_column av-l6qpuj7t-12-70a208e7cb58494c3e51164c604e8262 av_one_fourth  avia-builder-el-28  el_after_av_one_full  el_before_av_one_fourth  link-blocks first no_margin flex_column_table_cell av-equal-height-column av-align-top av-animated-generic bottom-to-top avia-full-stretch avia-link-column av-column-link column-top-margin'    data-link-column-url=\"https:\/\/www.efgroup.co.za\/business-solutions\/employee-benefits\/\"   ><a class=\"av-screen-reader-only\" href=https:\/\/www.efgroup.co.za\/business-solutions\/employee-benefits\/ >Link to: Employee Benefits<\/a><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l6qppjty-11-ba3f465484ed377b49a6c40552ee2dfc\">\n#top .av-special-heading.av-l6qppjty-11-ba3f465484ed377b49a6c40552ee2dfc{\npadding-bottom:10px;\ncolor:#ffffff;\n}\nbody .av-special-heading.av-l6qppjty-11-ba3f465484ed377b49a6c40552ee2dfc .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-l6qppjty-11-ba3f465484ed377b49a6c40552ee2dfc .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-l6qppjty-11-ba3f465484ed377b49a6c40552ee2dfc .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-l6qppjty-11-ba3f465484ed377b49a6c40552ee2dfc av-special-heading-h4 custom-color-heading blockquote modern-quote  avia-builder-el-29  avia-builder-el-no-sibling '><h4 class='av-special-heading-tag'  itemprop=\"headline\"  >Employee Benefits<\/h4><div class='av_custom_color av-subheading av-subheading_below'><p>Efficiency is most effective when it enhances human capital through meaningful and attractive benefits.<\/p>\n<\/div><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l6qps52v-10-e65c527ca01aeecc99dbc61737899659\">\n#top .flex_column_table.av-equal-height-column-flextable.av-l6qps52v-10-e65c527ca01aeecc99dbc61737899659{\nmargin-top:0px;\nmargin-bottom:0px;\n}\n.flex_column.av-l6qps52v-10-e65c527ca01aeecc99dbc61737899659{\nbackground-color:#5d5c5a;\n}\n<\/style>\n<div class='flex_column av-l6qps52v-10-e65c527ca01aeecc99dbc61737899659 av_one_fourth  avia-builder-el-30  el_after_av_one_fourth  el_before_av_one_fourth  link-blocks no_margin flex_column_table_cell av-equal-height-column av-align-top av-animated-generic bottom-to-top avia-link-column av-column-link column-top-margin'    data-link-column-url=\"https:\/\/www.efgroup.co.za\/business-solutions\/business-assurance\/\"   ><a class=\"av-screen-reader-only\" href=https:\/\/www.efgroup.co.za\/business-solutions\/business-assurance\/ >Link to: Business Assurance<\/a><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l6qpntqx-9-19c1607676304dac53d1a1070778cca2\">\n#top .av-special-heading.av-l6qpntqx-9-19c1607676304dac53d1a1070778cca2{\npadding-bottom:10px;\ncolor:#ffffff;\n}\nbody .av-special-heading.av-l6qpntqx-9-19c1607676304dac53d1a1070778cca2 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-l6qpntqx-9-19c1607676304dac53d1a1070778cca2 .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-l6qpntqx-9-19c1607676304dac53d1a1070778cca2 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-l6qpntqx-9-19c1607676304dac53d1a1070778cca2 av-special-heading-h4 custom-color-heading blockquote modern-quote  avia-builder-el-31  avia-builder-el-no-sibling '><h4 class='av-special-heading-tag'  itemprop=\"headline\"  >Business Assurance<\/h4><div class='av_custom_color av-subheading av-subheading_below'><p>At the Your Decision, we are dutybound to reduce economic inequality in South Africa.<\/p>\n<\/div><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l6qq11o1-8-176aa158bc8448fa2f5f8713844580a2\">\n#top .flex_column_table.av-equal-height-column-flextable.av-l6qq11o1-8-176aa158bc8448fa2f5f8713844580a2{\nmargin-top:0px;\nmargin-bottom:0px;\n}\n.flex_column.av-l6qq11o1-8-176aa158bc8448fa2f5f8713844580a2{\nbackground:url(https:\/\/www.efgroup.co.za\/wp-content\/uploads\/2022\/08\/investment-management.jpg) 50% 50% no-repeat scroll #3c6e8f;\n}\n<\/style>\n<div class='flex_column av-l6qq11o1-8-176aa158bc8448fa2f5f8713844580a2 av_one_fourth  avia-builder-el-32  el_after_av_one_fourth  el_before_av_one_fourth  link-blocks no_margin flex_column_table_cell av-equal-height-column av-align-top av-animated-generic bottom-to-top avia-full-stretch avia-link-column av-column-link column-top-margin'    data-link-column-url=\"https:\/\/www.efgroup.co.za\/business-solutions\/stockbroking\/\"   ><a class=\"av-screen-reader-only\" href=https:\/\/www.efgroup.co.za\/business-solutions\/stockbroking\/ >Link to: Stockbroking<\/a><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l6qpqj5s-7-b454fb491f755e180371af89d639835b\">\n#top .av-special-heading.av-l6qpqj5s-7-b454fb491f755e180371af89d639835b{\npadding-bottom:10px;\ncolor:#ffffff;\n}\nbody .av-special-heading.av-l6qpqj5s-7-b454fb491f755e180371af89d639835b .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-l6qpqj5s-7-b454fb491f755e180371af89d639835b .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-l6qpqj5s-7-b454fb491f755e180371af89d639835b .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-l6qpqj5s-7-b454fb491f755e180371af89d639835b av-special-heading-h4 custom-color-heading blockquote modern-quote  avia-builder-el-33  avia-builder-el-no-sibling '><h4 class='av-special-heading-tag'  itemprop=\"headline\"  >Stockbroking<\/h4><div class='av_custom_color av-subheading av-subheading_below'><p>Stockbroking in South Africa has historically been perceived as a service reserved for the wealthy and technically astute.<\/p>\n<\/div><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l6vtwnhe-5bd0a7ba7e63e75261d786001073021a\">\n#top .flex_column_table.av-equal-height-column-flextable.av-l6vtwnhe-5bd0a7ba7e63e75261d786001073021a{\nmargin-top:0px;\nmargin-bottom:0px;\n}\n.flex_column.av-l6vtwnhe-5bd0a7ba7e63e75261d786001073021a{\nbackground-color:#000;\n}\n<\/style>\n<div class='flex_column av-l6vtwnhe-5bd0a7ba7e63e75261d786001073021a av_one_fourth  avia-builder-el-34  el_after_av_one_fourth  el_before_av_one_fourth  link-blocks invalid-custom-class-found no_margin flex_column_table_cell av-equal-height-column av-align-top av-animated-generic bottom-to-top avia-full-stretch avia-link-column av-column-link column-top-margin'    data-link-column-url=\"https:\/\/www.efgroup.co.za\/business-solutions\/cash-management\/\"   ><a class=\"av-screen-reader-only\" href=https:\/\/www.efgroup.co.za\/business-solutions\/cash-management\/ >Link to: Cash Management<\/a><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l6vu1f6c-95972afce531d082befd230592683373\">\n#top .av-special-heading.av-l6vu1f6c-95972afce531d082befd230592683373{\npadding-bottom:10px;\ncolor:#ffffff;\n}\nbody .av-special-heading.av-l6vu1f6c-95972afce531d082befd230592683373 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-l6vu1f6c-95972afce531d082befd230592683373 .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-l6vu1f6c-95972afce531d082befd230592683373 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-l6vu1f6c-95972afce531d082befd230592683373 av-special-heading-h4 custom-color-heading blockquote modern-quote  avia-builder-el-35  avia-builder-el-no-sibling '><h4 class='av-special-heading-tag'  itemprop=\"headline\"  >Cash Management<\/h4><div class='av_custom_color av-subheading av-subheading_below'><p>Regardless of your investment strategy, investment horizon, and risk profile.<\/p>\n<\/div><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><\/div><\/div><!--close column table wrapper. Autoclose: 1 --><div class='flex_column_table av-l6qq52sv-6-7eae8ba3f42a1068be653533ac5714ed sc-av_one_fourth av-equal-height-column-flextable'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l6qq52sv-6-7eae8ba3f42a1068be653533ac5714ed\">\n#top .flex_column_table.av-equal-height-column-flextable.av-l6qq52sv-6-7eae8ba3f42a1068be653533ac5714ed{\nmargin-top:0px;\nmargin-bottom:0px;\n}\n.flex_column.av-l6qq52sv-6-7eae8ba3f42a1068be653533ac5714ed{\nbackground-color:#101010;\n}\n<\/style>\n<div class='flex_column av-l6qq52sv-6-7eae8ba3f42a1068be653533ac5714ed av_one_fourth  avia-builder-el-36  el_after_av_one_fourth  el_before_av_one_fourth  link-blocks first no_margin flex_column_table_cell av-equal-height-column av-align-top av-animated-generic bottom-to-top avia-link-column av-column-link column-top-margin'    data-link-column-url=\"https:\/\/www.efgroup.co.za\/business-solutions\/fiduciary-services\/\"   ><a class=\"av-screen-reader-only\" href=https:\/\/www.efgroup.co.za\/business-solutions\/fiduciary-services\/ >Link to: Fiduciary Services<\/a><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l6qpmvd4-5-d6274f8f71021559c1111df801133290\">\n#top .av-special-heading.av-l6qpmvd4-5-d6274f8f71021559c1111df801133290{\npadding-bottom:10px;\ncolor:#ffffff;\n}\nbody .av-special-heading.av-l6qpmvd4-5-d6274f8f71021559c1111df801133290 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-l6qpmvd4-5-d6274f8f71021559c1111df801133290 .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-l6qpmvd4-5-d6274f8f71021559c1111df801133290 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-l6qpmvd4-5-d6274f8f71021559c1111df801133290 av-special-heading-h4 custom-color-heading blockquote modern-quote  avia-builder-el-37  avia-builder-el-no-sibling '><h4 class='av-special-heading-tag'  itemprop=\"headline\"  >Fiduciary Services<\/h4><div class='av_custom_color av-subheading av-subheading_below'><p>As your lifelong financial well-being partner, we include all of your life stages in our financial planning.<\/p>\n<\/div><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l6qq6o24-4-4dfdd1e0534e8563305ba9f5f5a4a3e8\">\n#top .flex_column_table.av-equal-height-column-flextable.av-l6qq6o24-4-4dfdd1e0534e8563305ba9f5f5a4a3e8{\nmargin-top:0px;\nmargin-bottom:0px;\n}\n.flex_column.av-l6qq6o24-4-4dfdd1e0534e8563305ba9f5f5a4a3e8{\nbackground:url(https:\/\/www.efgroup.co.za\/wp-content\/uploads\/2022\/08\/short-term.jpg) 50% 50% no-repeat scroll #3c6e8f;\n}\n<\/style>\n<div class='flex_column av-l6qq6o24-4-4dfdd1e0534e8563305ba9f5f5a4a3e8 av_one_fourth  avia-builder-el-38  el_after_av_one_fourth  el_before_av_one_fourth  link-blocks no_margin flex_column_table_cell av-equal-height-column av-align-top av-animated-generic bottom-to-top avia-full-stretch avia-link-column av-column-link column-top-margin'    data-link-column-url=\"https:\/\/www.efgroup.co.za\/business-solutions\/benefit-consulting\/\"   ><a class=\"av-screen-reader-only\" href=https:\/\/www.efgroup.co.za\/business-solutions\/benefit-consulting\/ >Link to: Benefit Consulting<\/a><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2dkev-3-b41803e523a721f7bc9e51dc07b209dd\">\n#top .av-special-heading.av-2dkev-3-b41803e523a721f7bc9e51dc07b209dd{\npadding-bottom:10px;\ncolor:#ffffff;\n}\nbody .av-special-heading.av-2dkev-3-b41803e523a721f7bc9e51dc07b209dd .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-2dkev-3-b41803e523a721f7bc9e51dc07b209dd .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-2dkev-3-b41803e523a721f7bc9e51dc07b209dd .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-2dkev-3-b41803e523a721f7bc9e51dc07b209dd av-special-heading-h4 custom-color-heading blockquote modern-quote  avia-builder-el-39  avia-builder-el-no-sibling '><h4 class='av-special-heading-tag'  itemprop=\"headline\"  >Benefit Consulting<\/h4><div class='av_custom_color av-subheading av-subheading_below'><p>Efficient Benefit Consulting (EFBC), a division of the Your Decision, offers a comprehensive value proposition.<\/p>\n<\/div><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l6qq68ho-2-2e35ca29e1baff9cd29da2a59adf5572\">\n#top .flex_column_table.av-equal-height-column-flextable.av-l6qq68ho-2-2e35ca29e1baff9cd29da2a59adf5572{\nmargin-top:0px;\nmargin-bottom:0px;\n}\n.flex_column.av-l6qq68ho-2-2e35ca29e1baff9cd29da2a59adf5572{\nbackground-color:#cfcecd;\n}\n<\/style>\n<div class='flex_column av-l6qq68ho-2-2e35ca29e1baff9cd29da2a59adf5572 av_one_fourth  avia-builder-el-40  el_after_av_one_fourth  el_before_av_one_fourth  link-blocks no_margin flex_column_table_cell av-equal-height-column av-align-top av-animated-generic bottom-to-top avia-link-column av-column-link column-top-margin'    data-link-column-url=\"https:\/\/www.efgroup.co.za\/about-us\/\"   ><a class=\"av-screen-reader-only\" href=https:\/\/www.efgroup.co.za\/about-us\/ >Link to: About Us<\/a><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1cn3b-1-db6ab306833a2a0b6e2c9b14aa5d4b88\">\n#top .av-special-heading.av-1cn3b-1-db6ab306833a2a0b6e2c9b14aa5d4b88{\npadding-bottom:10px;\ncolor:#ffffff;\n}\nbody .av-special-heading.av-1cn3b-1-db6ab306833a2a0b6e2c9b14aa5d4b88 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-1cn3b-1-db6ab306833a2a0b6e2c9b14aa5d4b88 .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-1cn3b-1-db6ab306833a2a0b6e2c9b14aa5d4b88 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-1cn3b-1-db6ab306833a2a0b6e2c9b14aa5d4b88 av-special-heading-h4 custom-color-heading blockquote modern-quote  avia-builder-el-41  avia-builder-el-no-sibling '><h4 class='av-special-heading-tag'  itemprop=\"headline\"  >Investment Consulting<\/h4><div class='av_custom_color av-subheading av-subheading_below'><p>Boutique Investment Partners (BIP), a division of the Your Decision, is an independent investment management<\/p>\n<\/div><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l6vtyaoq-168d0909934b4b26cf80378b72671287\">\n#top .flex_column_table.av-equal-height-column-flextable.av-l6vtyaoq-168d0909934b4b26cf80378b72671287{\nmargin-top:0px;\nmargin-bottom:0px;\n}\n.flex_column.av-l6vtyaoq-168d0909934b4b26cf80378b72671287{\nbackground:url(https:\/\/www.efgroup.co.za\/wp-content\/uploads\/2022\/08\/financial-planning.jpg) 50% 50% no-repeat scroll #3c6e8f;\n}\n<\/style>\n<div class='flex_column av-l6vtyaoq-168d0909934b4b26cf80378b72671287 av_one_fourth  avia-builder-el-42  el_after_av_one_fourth  avia-builder-el-last  link-blocks no_margin flex_column_table_cell av-equal-height-column av-align-top av-animated-generic bottom-to-top avia-full-stretch column-top-margin'     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l6vu541y-bcf4ad69c46a3b1eae087408725bdbb4\">\n#top .av-special-heading.av-l6vu541y-bcf4ad69c46a3b1eae087408725bdbb4{\npadding-bottom:10px;\ncolor:#ffffff;\n}\nbody .av-special-heading.av-l6vu541y-bcf4ad69c46a3b1eae087408725bdbb4 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-l6vu541y-bcf4ad69c46a3b1eae087408725bdbb4 .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-l6vu541y-bcf4ad69c46a3b1eae087408725bdbb4 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-l6vu541y-bcf4ad69c46a3b1eae087408725bdbb4 av-special-heading-h4 custom-color-heading blockquote modern-quote  avia-builder-el-43  avia-builder-el-no-sibling '><h4 class='av-special-heading-tag'  itemprop=\"headline\"  >Co-Named CIS Solutions<\/h4><div class='av_custom_color av-subheading av-subheading_below'><p>Boutique Collective Investments (BCI), a division of the Your Decision, offers a wide range.<\/p>\n<\/div><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><\/div><\/div><!--close column table wrapper. Autoclose: 1 --><\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/p>\n<div id='av_section_2'  class='avia-section av-q7wz-b054c209c655404fff44b1286ca25360 main_color avia-section-small avia-no-border-styling  avia-builder-el-44  el_after_av_tab_section  el_before_av_section  padding-top-20 avia-bg-style-scroll container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-15'><div class='entry-content-wrapper clearfix'>\n<div class='flex_column av-2rk47-22fa8b4d9415e74155e104da2f0ec281 av_one_full  avia-builder-el-45  avia-builder-el-no-sibling  display-flex first flex_column_div av-animated-generic bottom-to-top '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l6rfcegc-e6fe7587267a06610faa8c857266a622\">\n#top .av-special-heading.av-l6rfcegc-e6fe7587267a06610faa8c857266a622{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-l6rfcegc-e6fe7587267a06610faa8c857266a622 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-l6rfcegc-e6fe7587267a06610faa8c857266a622 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-l6rfcegc-e6fe7587267a06610faa8c857266a622 av-special-heading-h2 blockquote modern-quote modern-centered  avia-builder-el-46  el_before_av_button  avia-builder-el-first '><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >OUR GROUP CLUSTERS<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<div  class='avia-button-wrap av-l6rfd164-66afa8df1da9f5c7445a172c097be7cf-wrap avia-button-center  avia-builder-el-47  el_after_av_heading  avia-builder-el-last ' >\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l6rfd164-66afa8df1da9f5c7445a172c097be7cf\">\n#top #wrap_all .avia-button.av-l6rfd164-66afa8df1da9f5c7445a172c097be7cf{\nbackground-color:#101010;\nborder-color:#101010;\ncolor:#ffffff;\n-webkit-transition:all 0.4s ease-in-out;\n-moz-transition:all 0.4s ease-in-out;\n-ms-transition:all 0.4s ease-in-out;\n-o-transition:all 0.4s ease-in-out;\ntransition:all 0.4s ease-in-out;\n}\n<\/style>\n<a href='https:\/\/www.efgroup.co.za\/group-clusters\/'  class='avia-button av-l6rfd164-66afa8df1da9f5c7445a172c097be7cf avia-icon_select-no avia-size-medium avia-position-center' ><span class='avia_iconbox_title' >Read More<\/span><\/a><\/div><\/p><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av_section_3'  class='avia-section av-23rej-fcb85b513a7efe69f52d16dcd1916290 main_color avia-section-default avia-no-border-styling  avia-builder-el-48  el_after_av_section  el_before_av_section  padding-bottom-0 mobile-fullwidth avia-bg-style-scroll container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-15'><div class='entry-content-wrapper clearfix'>\n<div class='flex_column av-1r6xn-93751ffa8e07b884bfdf37ea4dce9ff3 av_one_full  avia-builder-el-49  avia-builder-el-no-sibling  first flex_column_div av-animated-generic bottom-to-top '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l7g9wl5m-a98a190a32adf08012ff6f2d55bf7b98\">\n.avia-video.av-l7g9wl5m-a98a190a32adf08012ff6f2d55bf7b98{\nbackground-image:url(https:\/\/www.efgroup.co.za\/wp-content\/uploads\/2022\/08\/vid-img-300x135.jpg);\n}\n<\/style>\n<div  class='avia-video av-l7g9wl5m-a98a190a32adf08012ff6f2d55bf7b98 avia-video-16-9 av-preview-image avia-video-load-always av-lazyload-immediate av-lazyload-video-embed'  itemprop=\"video\" itemtype=\"https:\/\/schema.org\/VideoObject\"  data-original_url='https:\/\/www.youtube.com\/watch?v=9GqI2UnLGeE'><script type='text\/html' class='av-video-tmpl'><div class='avia-iframe-wrap'><iframe loading=\"lazy\" title=\"Your Decision: Our Story\" width=\"1500\" height=\"844\" src=\"https:\/\/www.youtube.com\/embed\/9GqI2UnLGeE?feature=oembed&autoplay=0&loop=0&controls=1&mute=0\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/div><\/script><div class='av-click-to-play-overlay'><div class=\"avia_playpause_icon\"><\/div><\/div><\/div><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av_section_4'  class='avia-section av-1d5lz-78c384fffc3e637d81e29ccba86e4e2a main_color avia-section-default avia-no-border-styling  avia-builder-el-51  el_after_av_section  el_before_av_section  avia-bg-style-scroll container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-15'><div class='entry-content-wrapper clearfix'>\n<div class='flex_column av-pbcr-fc15b5ffbde05d896dffd0848e8dc742 av_one_full  avia-builder-el-52  el_before_av_one_full  avia-builder-el-first  first flex_column_div av-animated-generic bottom-to-top '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l6rgep29-9f8b1af78e2ffc3f8cda71903fb7119b\">\n#top .av-special-heading.av-l6rgep29-9f8b1af78e2ffc3f8cda71903fb7119b{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-l6rgep29-9f8b1af78e2ffc3f8cda71903fb7119b .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-l6rgep29-9f8b1af78e2ffc3f8cda71903fb7119b .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-l6rgep29-9f8b1af78e2ffc3f8cda71903fb7119b av-special-heading-h2 blockquote modern-quote modern-centered  avia-builder-el-53  el_before_av_textblock  avia-builder-el-first '><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >THINK EFFICIENT. REALISE POTENTIAL.<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l6rgffjz-e5da800cdfe0d2a05b8121358bb95014\">\n#top .av_textblock_section.av-l6rgffjz-e5da800cdfe0d2a05b8121358bb95014 .avia_textblock{\ntext-align:center;\n}\n<\/style>\n<section  class='av_textblock_section av-l6rgffjz-e5da800cdfe0d2a05b8121358bb95014'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>We started the Your Decision at a time when financial advice was largely a sales function. For the most part, policies were sold to people without fully understanding their needs and evolving circumstances. As our business evolved, our connection to the people we serve also evolved. Today, our approach is one of establishing trusted relationships between clients and financial professionals (like financial advisors, business partners, investment specialists and product providers), where we become the financial planning partner throughout the seasons of our clients&#8217; lives.<\/p>\n<p>We service more than 77 000 clients throughout South Africa. We employ more than 300 people and have more than 200 registered financial advisors. We manage more than R30 billion worth of assets and more than R500 non-life gross written premium.<\/p>\n<\/div><\/section><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-378bb-a48027894381ba5f6a8d5ca71625d1c0\">\n#top .flex_column.av-378bb-a48027894381ba5f6a8d5ca71625d1c0{\nmargin-top:15px;\nmargin-bottom:0px;\n}\n.responsive #top #wrap_all .flex_column.av-378bb-a48027894381ba5f6a8d5ca71625d1c0{\nmargin-top:15px;\nmargin-bottom:0px;\n}\n<\/style>\n<div class='flex_column av-378bb-a48027894381ba5f6a8d5ca71625d1c0 av_one_full  avia-builder-el-55  el_after_av_one_full  avia-builder-el-last  first flex_column_div av-animated-generic bottom-to-top column-top-margin'     ><div  class='avia-buttonrow-wrap av-2g70f-b920780fd5427b6fe0b9a1ea70f667e0 avia-buttonrow-center  avia-builder-el-56  avia-builder-el-no-sibling '>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-220d3-e469fce317a51d6191a9fa471eb6fe0d\">\n#top #wrap_all .avia-button.av-220d3-e469fce317a51d6191a9fa471eb6fe0d{\nbackground-color:#101010;\nborder-color:#101010;\ncolor:#ffffff;\n-webkit-transition:all 0.4s ease-in-out;\n-moz-transition:all 0.4s ease-in-out;\n-ms-transition:all 0.4s ease-in-out;\n-o-transition:all 0.4s ease-in-out;\ntransition:all 0.4s ease-in-out;\nmargin-bottom:5px;\nmargin-right:3px;\nmargin-left:3px;\n}\n<\/style>\n<a href='https:\/\/www.efgroup.co.za\/about-us\/vision-mission-and-values\/'  class='avia-button av-220d3-e469fce317a51d6191a9fa471eb6fe0d avia-icon_select-no avia-size-medium'  ><span class='avia_iconbox_title' >Our Vision, Mission &amp; Values<\/span><\/a>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1990v-5829bc1648a25601b0604260d18fca8f\">\n#top #wrap_all .avia-button.av-1990v-5829bc1648a25601b0604260d18fca8f{\nbackground-color:#000;\nborder-color:#000;\ncolor:#ffffff;\n-webkit-transition:all 0.4s ease-in-out;\n-moz-transition:all 0.4s ease-in-out;\n-ms-transition:all 0.4s ease-in-out;\n-o-transition:all 0.4s ease-in-out;\ntransition:all 0.4s ease-in-out;\nmargin-bottom:5px;\nmargin-right:3px;\nmargin-left:3px;\n}\n<\/style>\n<a href='https:\/\/www.efgroup.co.za\/about-us\/board-of-directors\/'  class='avia-button av-1990v-5829bc1648a25601b0604260d18fca8f avia-icon_select-no avia-size-medium'  ><span class='avia_iconbox_title' >Meet Our Board of Directors <\/span><\/a>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-vsx3-4682e81ea86fb0559bdb6a286e478559\">\n#top #wrap_all .avia-button.av-vsx3-4682e81ea86fb0559bdb6a286e478559{\nbackground-color:#5d5c5a;\nborder-color:#5d5c5a;\ncolor:#ffffff;\n-webkit-transition:all 0.4s ease-in-out;\n-moz-transition:all 0.4s ease-in-out;\n-ms-transition:all 0.4s ease-in-out;\n-o-transition:all 0.4s ease-in-out;\ntransition:all 0.4s ease-in-out;\nmargin-bottom:5px;\nmargin-right:3px;\nmargin-left:3px;\n}\n<\/style>\n<a href='https:\/\/www.efgroup.co.za\/about-us\/who-we-are-and-what-do-we-do\/'  class='avia-button av-vsx3-4682e81ea86fb0559bdb6a286e478559 avia-icon_select-no avia-size-medium'  ><span class='avia_iconbox_title' >Who We Are &amp; What We Do<\/span><\/a>\n<\/div><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l6ri3a98-c74c657ce0a1acf20639936caf4eec26\">\n.avia-section.av-l6ri3a98-c74c657ce0a1acf20639936caf4eec26{\nbackground-color:#f5f7f6;\nbackground-image:unset;\n}\n<\/style>\n<div id='av_section_5'  class='avia-section av-l6ri3a98-c74c657ce0a1acf20639936caf4eec26 main_color avia-section-default avia-no-border-styling  avia-builder-el-57  el_after_av_section  avia-builder-el-last  avia-bg-style-scroll container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-15'><div class='entry-content-wrapper clearfix'>\n<div class='flex_column av-2854b-fe37f09f8e393c94e5556237a56ffc82 av_three_fifth  avia-builder-el-58  el_before_av_two_fifth  avia-builder-el-first  first flex_column_div av-animated-generic left-to-right '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l6rnadal-dc0eb21ec945e67c5f8f45a865d38ee0\">\n#top .av-special-heading.av-l6rnadal-dc0eb21ec945e67c5f8f45a865d38ee0{\npadding-bottom:0;\n}\nbody .av-special-heading.av-l6rnadal-dc0eb21ec945e67c5f8f45a865d38ee0 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-l6rnadal-dc0eb21ec945e67c5f8f45a865d38ee0 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-l6rnadal-dc0eb21ec945e67c5f8f45a865d38ee0 av-special-heading-h2 blockquote modern-quote  avia-builder-el-59  el_before_av_hr  avia-builder-el-first '><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >NEWS AND UPDATES<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l6rnbpt7-37985ba334d62f8b65cf59cfcead5ee1\">\n#top .hr.av-l6rnbpt7-37985ba334d62f8b65cf59cfcead5ee1{\nmargin-top:10px;\nmargin-bottom:20px;\n}\n.hr.av-l6rnbpt7-37985ba334d62f8b65cf59cfcead5ee1 .hr-inner{\nwidth:100px;\nborder-color:#3c6e90;\n}\n<\/style>\n<div  class='hr av-l6rnbpt7-37985ba334d62f8b65cf59cfcead5ee1 hr-custom  avia-builder-el-60  el_after_av_heading  el_before_av_blog  hr-left hr-icon-no'><span class='hr-inner inner-border-av-border-fat'><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n<div  data-slideshow-options=\"{&quot;animation&quot;:&quot;fade&quot;,&quot;autoplay&quot;:false,&quot;loop_autoplay&quot;:&quot;once&quot;,&quot;interval&quot;:5,&quot;loop_manual&quot;:&quot;manual-endless&quot;,&quot;autoplay_stopper&quot;:false,&quot;noNavigation&quot;:false,&quot;show_slide_delay&quot;:90}\" class='avia-content-slider avia-content-grid-active avia-content-slider1 avia-content-slider-even  avia-builder-el-61  el_after_av_hr  avia-builder-el-last  av-slideshow-ui av-control-default   av-no-slider-navigation av-slideshow-manual av-loop-once av-loop-manual-endless '  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Blog\" ><div class=\"avia-content-slider-inner\"><div class=\"slide-entry-wrap\"><article class='slide-entry flex_column  post-entry post-entry-719 slide-entry-overview slide-loop-1 slide-parity-odd  av_one_half first real-thumbnail post-format-standard'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><a href='https:\/\/www.efgroup.co.za\/news\/20-years-on-and-the-efficient-group-is-still-standing-strong\/' data-rel='slide-1' class='slide-image' title='20 Years On\u2026 And The Your Decision Is Still Standing Strong'><img decoding=\"async\" width=\"495\" height=\"400\" src=\"https:\/\/www.efgroup.co.za\/wp-content\/uploads\/2023\/07\/20-year-celebration-everlytic-banners-04-495x400.jpg\" class=\"wp-image-725 avia-img-lazy-loading-not-725 attachment-portfolio size-portfolio wp-post-image\" alt=\"\" srcset=\"https:\/\/www.efgroup.co.za\/wp-content\/uploads\/2023\/07\/20-year-celebration-everlytic-banners-04-495x400.jpg 495w, https:\/\/www.efgroup.co.za\/wp-content\/uploads\/2023\/07\/20-year-celebration-everlytic-banners-04-845x684.jpg 845w\" sizes=\"(max-width: 495px) 100vw, 495px\" \/><\/a><div class=\"slide-content\"><header class=\"entry-content-header\"><h3 class='slide-entry-title entry-title '  itemprop=\"headline\" ><a href='https:\/\/www.efgroup.co.za\/news\/20-years-on-and-the-efficient-group-is-still-standing-strong\/' title='20 Years On\u2026 And The Your Decision Is Still Standing Strong'>20 Years On\u2026 And The Your Decision Is Still Standing Strong<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><div class=\"slide-meta\"><time class='slide-meta-time updated'  itemprop=\"datePublished\" datetime=\"2023-07-26T16:03:59+02:00\" >July 26, 2023<\/time><\/div><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" >Millennials and Generation Z are unlikely to remember that, back in 1997, Asia was dealt a significant blow by the United States (US) Federal Reserve (Fed), who, through their actions, caused the US dollar to appreciate substantially.<div class=\"read-more-link\"><a href=\"https:\/\/www.efgroup.co.za\/news\/20-years-on-and-the-efficient-group-is-still-standing-strong\/\" class=\"more-link\">Read more<span class=\"more-link-arrow\"><\/span><\/a><\/div><\/div><\/div><footer class=\"entry-footer\"><\/footer><span class='hidden'>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" >\n\t\t\t\t\t\t<span itemprop='url'>https:\/\/www.efgroup.co.za\/wp-content\/uploads\/2023\/07\/20-year-celebration-everlytic-banners-04-scaled.jpg<\/span>\n\t\t\t\t\t\t<span itemprop='height'>1070<\/span>\n\t\t\t\t\t\t<span itemprop='width'>2560<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"publisher\" itemtype=\"https:\/\/schema.org\/Organization\" itemscope=\"itemscope\" >\n\t\t\t\t\t\t<span itemprop='name'>Christine Van Graan<\/span>\n\t\t\t\t\t\t<span itemprop='logo' itemscope itemtype='https:\/\/schema.org\/ImageObject'>\n\t\t\t\t\t\t\t<span itemprop='url'>https:\/\/www.efgroup.co.za\/wp-content\/uploads\/2024\/07\/logo.png<\/span>\n\t\t\t\t\t\t <\/span>\n\t\t\t\t<\/span><span class='av-structured-data'  itemprop=\"author\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><span itemprop='name'>Christine Van Graan<\/span><\/span><span class='av-structured-data'  itemprop=\"datePublished\" datetime=\"2022-08-09T19:16:50+02:00\" >2023-07-26 16:03:59<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2023-07-30 21:25:13<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>20 Years On\u2026 And The Your Decision Is Still Standing Strong<\/span><\/span><\/span><\/article><article class='slide-entry flex_column  post-entry post-entry-647 slide-entry-overview slide-loop-2 slide-parity-even  post-entry-last  av_one_half  real-thumbnail post-format-standard'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><a href='https:\/\/www.efgroup.co.za\/wp-content\/uploads\/2022\/09\/EFGroup-It-all-starts-and-ends-with-government.pdf' data-rel='slide-1' class='slide-image' title='It all starts, and ends, with government'><img decoding=\"async\" width=\"495\" height=\"400\" src=\"https:\/\/www.efgroup.co.za\/wp-content\/uploads\/2022\/08\/News-economic-commentary-495x400.jpg\" class=\"wp-image-612 avia-img-lazy-loading-not-612 attachment-portfolio size-portfolio wp-post-image\" alt=\"\" \/><\/a><div class=\"slide-content\"><header class=\"entry-content-header\"><h3 class='slide-entry-title entry-title '  itemprop=\"headline\" ><a href='https:\/\/www.efgroup.co.za\/wp-content\/uploads\/2022\/09\/EFGroup-It-all-starts-and-ends-with-government.pdf' title='It all starts, and ends, with government'>It all starts, and ends, with government<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><div class=\"slide-meta\"><time class='slide-meta-time updated'  itemprop=\"datePublished\" datetime=\"2022-09-13T14:45:08+02:00\" >September 13, 2022<\/time><\/div><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" >The Financial Sector Conduct Authority (FSCA) recently said that it will soon publish the regulatory framework for cryptocurrencies in South Africa. Many in the industry, especially those who support the technology, have been anxiously awaiting this legislation for quite some time.<div class=\"read-more-link\"><a href=\"https:\/\/www.efgroup.co.za\/wp-content\/uploads\/2022\/09\/EFGroup-It-all-starts-and-ends-with-government.pdf\" class=\"more-link\">Read more<span class=\"more-link-arrow\"><\/span><\/a><\/div><\/div><\/div><footer class=\"entry-footer\"><\/footer><span class='hidden'>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" >\n\t\t\t\t\t\t<span itemprop='url'>https:\/\/www.efgroup.co.za\/wp-content\/uploads\/2022\/08\/News-economic-commentary.jpg<\/span>\n\t\t\t\t\t\t<span itemprop='height'>430<\/span>\n\t\t\t\t\t\t<span itemprop='width'>650<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"publisher\" itemtype=\"https:\/\/schema.org\/Organization\" itemscope=\"itemscope\" >\n\t\t\t\t\t\t<span itemprop='name'>Christine Van Graan<\/span>\n\t\t\t\t\t\t<span itemprop='logo' itemscope itemtype='https:\/\/schema.org\/ImageObject'>\n\t\t\t\t\t\t\t<span itemprop='url'>https:\/\/www.efgroup.co.za\/wp-content\/uploads\/2024\/07\/logo.png<\/span>\n\t\t\t\t\t\t <\/span>\n\t\t\t\t<\/span><span class='av-structured-data'  itemprop=\"author\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><span itemprop='name'>Christine Van Graan<\/span><\/span><span class='av-structured-data'  itemprop=\"datePublished\" datetime=\"2022-08-09T19:16:50+02:00\" >2022-09-13 14:45:08<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2022-09-13 14:45:08<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>It all starts, and ends, with government<\/span><\/span><\/span><\/article><\/div><\/div><\/div><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-zxlv-f899c0d3132d2c7c409a09cbae59e5e9\">\n@-webkit-keyframes av_boxShadowEffect_av-zxlv-f899c0d3132d2c7c409a09cbae59e5e9-column {\n0%   { box-shadow:  0 0 0 0 #c6c6c6; opacity: 1; }\n100% { box-shadow:  0 0 10px 0 #c6c6c6; opacity: 1; }\n}\n@keyframes av_boxShadowEffect_av-zxlv-f899c0d3132d2c7c409a09cbae59e5e9-column {\n0%   { box-shadow:  0 0 0 0 #c6c6c6; opacity: 1; }\n100% { box-shadow:  0 0 10px 0 #c6c6c6; opacity: 1; }\n}\n.flex_column.av-zxlv-f899c0d3132d2c7c409a09cbae59e5e9{\nbox-shadow: 0 0 10px 0 #c6c6c6;\npadding:30px 30px 30px 30px;\nbackground-color:#ffffff;\n}\n<\/style>\n<div class='flex_column av-zxlv-f899c0d3132d2c7c409a09cbae59e5e9 av_two_fifth  avia-builder-el-62  el_after_av_three_fifth  avia-builder-el-last  flex_column_div av-animated-generic bottom-to-top shadow-not-animated '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l6rj1dv6-ef66ee2203d23f6f0e141a178474da92\">\n.avia-image-container.av-l6rj1dv6-ef66ee2203d23f6f0e141a178474da92 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-l6rj1dv6-ef66ee2203d23f6f0e141a178474da92 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-l6rj1dv6-ef66ee2203d23f6f0e141a178474da92 av-styling- avia-align-center  avia-builder-el-63  avia-builder-el-no-sibling '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" class='wp-image-282 avia-img-lazy-loading-not-282 avia_image ' src=\"https:\/\/www.efgroup.co.za\/wp-content\/uploads\/2022\/08\/linkedin-placeholder.jpg\" alt='' title=''  height=\"383\" width=\"599\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.efgroup.co.za\/wp-content\/uploads\/2022\/08\/linkedin-placeholder.jpg 599w, https:\/\/www.efgroup.co.za\/wp-content\/uploads\/2022\/08\/linkedin-placeholder-300x192.jpg 300w\" sizes=\"(max-width: 599px) 100vw, 599px\" \/><\/div><\/div><\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-15","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.9 - 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