What my clients have to say about me
Dr Barbara Boswell
Munaf Mukadam is an excellent financial advisor whom I am happy to recommend. Since working with him, I have adjusted my savings rate and investments so that I am adequately prepared for life's emergencies, as well as retirement. His advice is thoughtful, practical and adapted to one's unique situation.
Knowing that I'm on a sound path to financial independence has given me peace-of-mind that is priceless.
I have been a client of Munaf since the beginning of 2016. The experience I have had with him so far has been an amazing one. He has given me sound, clear and personal as well as professional advice. He has always made time to keep contact with me. He does follow ups and always ensures that we meet on a regular basis to update me on my financial situation.
I look forward to working with him for a long time in the future.
Munaf gave me professional advice regarding my finances. He did a well presented and understandable presentation. He also explained every detail regarding the investments that I chose. He is very helpful and will go the extra mile to assist where possible. He is a very honest financial adviser. I will recommend him to anyone as a financial adviser.
After having a bad run in with my previous financial advisor, Munaf has definitely reassured me that I am indeed in good hands. My financial planning for the future feels more secure and I have also gained valuable insights and knowledge to help save and think about how I use and invest my money. Thank you Munaf!
I worked closely with Munaf when I decided to open up my retirement annuity and a few other financial policies. I enjoyed Munaf’s refreshing approach to analysing numbers and providing great detail on the policies that I was interested in.
Munaf was recommended to me by a family member who had personally benefited from his financial advice (which I believe is the best type of referrals) and so I was convinced that his expertise would be sound.
I would highly recommend his services.
At first I was sceptical..."giving my money" away to a company to keep and manage. I believed that I was an independent woman and could manage on my own, but the more I thought about it and the more time passed on I realised I was not managing... I was not saving at all!
Thank you Munaf...and thank you Liberty!
I have known Munaf as a Financial Advisor for over a year now. I was first introduced to him when I joined Liberty as an employee in May 2015. He is one of the most helpful Financial Advisors I have ever known. He is very efficient and takes time to explain information to me if unclear. I’ve always been amazed at his level of professionalism and genuine interest in assisting me as a client.
I will gladly recommend his services.
My name is Khwezikazi Nkabinde and Munaf has been my first financial advisor. I do not have a finance background but he made an effort that he educate me in a language that I would understand and today I can say I am financially literate.
Thank you Munaf.
In 2014 I was fresh out of University as a pharmacy graduate. I knew that I had to start investing as soon as I started earning a salary. I had no idea where to start, so I approached a few financial advisors who threw a lot of investment terms at me and didn’t quite win me over with their persistent nature. I felt over whelmed and opted to invest via my bank, so instead I chose the safe option and opened a money market account. Not long after that a friend of mine met with a Liberty life consultant and she shared the various options of investments she was made aware off by the consultant and she told me how the consultant explained everything in a manner she could understand and even offered to show her how to trade stock on her own if she so wished. I have always been told it’s bad to have your eggs in one basket, so I decided to meet with Munaf and find out more about the options available. On our first meeting I could immediately tell that Munaf was a sincere individual who has a genuine passion for what he does.
After my internship year I was sent to do my community service in Kimberly. At the time I had many things in mind such as buying a house, buying a car, all things I knew nothing about. I called Munaf, we met up and he explained to me all the financial implications involved. I was thus able to make an informed decision which has had a major impact on my finances. When visiting Cape Town after being in Kimberly, I went to the bank and found that what I thought to be my money market account was actually a unit trust account which had earned me a very low interest rate. I had that account for a year which contained quite a bit of money. I was extremely upset and I immediately called Munaf while still at the bank. He told me exactly what I needed to do and kept me calm, I then made him the financial advisor in control of this investment. I sadly had to go back to Kimberly, this however didn’t stop Munaf from being able to assist me. We were able to do everything via telephonic conversation and emails. He assured me that he will take care of everything and that my investments are in good hands. After a few months I could already see a substantial difference in the growth of the reinvested money.
Since then I have moved to Port Elizabeth. Even though I don’t live in Cape Town I regularly receive Munaf’s emails on financial tips which have proven to be very useful. A lot of people will not tend to question finances in marriage, the importance of a retirement annuity or even the effect of other countries on South Africa, these are the type of topics which young adults need to be informed of and these are the topics Munaf writes about. Even when I don’t receive my statements monthly from liberty, I just pop Munaf an email and he assists me immediately and will often include a breakdown of the current status of my investment. Now that I am a bit more informed about investments I tend to have many questions, and often I phone Munaf to receive clarity. He is always willing to assist me where possible and he also gives me space to make my own decisions and I can rest assured that my investments are in good hands and even though he is in control of my investments I still feel part of decision making as I remain informed and included.
I met Munaf when he called me regarding my Portfolio with the Underwriter. No one was taking “care” of me and I presume, eventually Munaf was given my portfolio. At first, as with any strange call, one tends to be very apprehensive, however, with his soothing mannerism, he quickly won my focus and attention.
I highly recommend his services.
Your transparency, patience and guidance really appreciated