Your financial future,
planned together.
Comprehensive financial advice that covers every stage of your life,
from one trusted team.
Why Juntos exists
In 2011, Juntos Financial Services was born from a simple observation: most people were juggling multiple advisors for life insurance, medical aid, investments, and short-term cover. It was fragmented, inconvenient, and often left gaps in their financial protection.
Our founder, with years of experience at major financial institutions, saw an opportunity to do things differently. She established Juntos as an independent practice built on a holistic approach, where clients could access every financial service they need under one roof, with advisors who genuinely care about their long-term success.
The name "Juntos" means "together" in Portuguese, and it reflects the heart of how we work. We believe financial success isn't something we do for you, it's something we build with you. Your goals become our goals. Your financial security becomes our mission.
What started as a single advisor has grown into a team of three experienced brokers supported by dedicated administrative staff. Today, we serve clients across nearly every province in South Africa, but our commitment remains the same: exceptional service, genuine relationships, and financial strategies that work for real life.
"Financial success isn't something we do for you — it's something we build with you."
Holistic financial advice
that actually works.
Most financial advisors specialise in one area.
We do it all, and we do it in a way that ensures every piece of your financial life works together.
Your first meeting with us:
- We review your current financial position and existing policies
- We identify your needs, concerns, and goals
- We develop a clear, actionable plan to get you where you want to be
- We implement solutions and provide ongoing support every step of the way
We see the bigger picture.
Your financial decisions don't exist in isolation. A change to your investment strategy affects your tax position. Your insurance needs shift as your family grows. We consider how every recommendation impacts your overall financial health, now and in the future.
Every client is unique.
While there are core financial elements everyone should address, your priorities, capabilities, and life stage are yours alone. We don't believe in cookie-cutter solutions. We listen first, then build a plan tailored to your specific needs and goals.
We stay with you.
Too many advisors sell a policy and disappear. We're in this for the long haul. Our clients stay with us for years, often decades. Many become multi-generational relationships, with children and grandchildren becoming clients too. That's the kind of trust we build.
The principles
guiding every decision.
Four commitments that shape every client interaction and every recommendation we make.
1.
Integrity
We prioritise honesty and transparency in every recommendation. If we don't know the answer, we'll tell you, and we'll find someone who does.
2.
Client-first service
Your needs come first, always. We go the extra mile because your financial future matters, and we're genuinely invested in helping you achieve it.
3.
Confidentiality
Your financial matters are personal. We create a safe, comfortable environment where you can discuss your situation openly, knowing it stays between us.
4.
Long-term relationships
We're not here for quick wins. We're building partnerships that last, supporting you through every financial decision and life transition.
The people behind
your financial plan.
Four commitments that shape every client interaction and every recommendation we make.
- 30+ years combined industry experience
- Qualified in Wealth Management
- Deep industry knowledge and trusted professional networks
- Proven track record of client satisfaction and retention
Margarete Roux-Higgs
Founder & Financial Advisor
Hantie Swiegers
Financial Advisor
Kayla Higgs
Financial Advisor
Serving clients across
South Africa
Bloemfontein office
Free State
54 on Preller Business Suites,
Louw Wepener Street,
Dan Pienaar,
Bloemfontein, 9301
Virtual consultations
Nationwide
We offer virtual consultations (which we actually prefer for convenience and flexibility), making it easy to access expert financial advice no matter where you are.
Ready to take control of
your financial future?
Let's start the conversation. Whether you're just starting out, planning for retirement, or anywhere in between, we're here to help you build a financial plan that works.
Please note: Juntos does not provide debt consolidation or monthly budgeting services. Our focus is on comprehensive financial planning, insurance, investments, and wealth management.