Most downloaded
The South African Owner's Cash Flow Handbook
A 32-page working guide to reading your own cash flow statement, spotting the month things quietly go wrong, and building a 13-week rolling forecast that survives contact with reality.
Brenvato · Financial Advisory · Cape Town
Financial clarity, precisely engineered.
We are an independent advisory practice on Bree Street, turning tangled balance sheets and half-answered questions into decisions you can stand behind.
Regulated, accredited, accountable
The standards we hold ourselves to
FSCA
SAICA
SAIT
FPI
CIPC
FSCA
Financial Sector Conduct Authority
Authorised financial services provider conduct.
SAICA
South African Institute of Chartered Accountants
Chartered accountancy discipline in our reporting.
SAIT
South African Institute of Taxation
Registered tax practitioner standards.
FPI
Financial Planning Institute
Certified Financial Planner® methodology.
CIPC
Companies and Intellectual Property Commission
Registered 2019/447281/07, Pretoria.
By the numbers
A decade of measured work
R2.4bn
Assets and cash flows we have advised on since 2019
310+
Businesses and private clients served across the Western Cape
11 days
Average time from first call to a written advisory plan
96%
Of clients retained into a second year of engagement
Reference material
Guides worth keeping on your desk
Plain-language references our advisers actually use with clients. Free to download, no email wall on the first one.
Provisional Tax Without the Panic
Deadlines, estimates and how to avoid a February surprise. · PDF · 1.4 MB
Investing After the TFSA Is Full
Where a private investor looks once the tax-free allowance is used up. · PDF · 2.0 MB
A Founder's First Board Pack
The five numbers a board actually wants, and how to present them. · PDF · 1.8 MB
Estate & Succession Checklist
A one-page audit of what your family would need to find tomorrow. · PDF · 0.9 MB
From the notebook
Our latest guides
Short, dated notes from the practice — no market noise, just what we are reading and advising on this month.
041
12 February 2025 · Tax
What the 2025 Budget quietly changed for small companies
Beyond the headline rate, three thresholds moved. We walk through who feels them and what to do before your next provisional payment.
040
28 January 2025 · Cash flow
Why your profitable business keeps running out of money
Profit and cash are not the same thing. A practical look at the working-capital gap that catches good businesses off guard.
039
09 January 2025 · Investing
Rand-cost averaging when the market feels expensive
The argument for staying invested through the noise, illustrated with fifteen years of JSE and offshore data.
038
18 December 2024 · Planning
A year-end financial review you can do in an afternoon
The seven questions we ask every client before the books close, so January starts with intent rather than repair.
What we do
Advisory across the whole picture
We work as one connected practice — your tax position informs your investment plan, which informs how you draw from the business.
01
Cash flow & financial modelling
Rolling forecasts, scenario models and the monthly management pack that tells you where the business is really heading, not where it was last quarter.
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02
Tax structuring & compliance
Personal and corporate tax planning, provisional returns and SARS correspondence handled by registered practitioners who structure before they file.
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03
Investment & wealth planning
Independent, fee-based portfolio construction across local and offshore markets, built around your goals rather than a product shelf.
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04
Retirement & retirement annuities
Contribution strategy, fund selection and a clear projection of what your later years will actually cost and afford.
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05
Estate & succession planning
Wills, trusts and business succession structured so that what you have built passes on cleanly and with the least friction to those who inherit it.
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06
Founder & executive advisory
For business owners drawing income from the company they run — coordinating salary, dividends, tax and personal wealth as a single plan.
Explore this serviceThe people
Named advisers, not a call centre
You work with the same person from the first call. Everyone below sits in our Bree Street office.
Nomsa Dlamini
Founder & Lead Adviser, CFP®
Twenty years across chartered accountancy and financial planning. Nomsa founded Brenvato in 2019 to build the kind of independent, plain-spoken practice she wished her own family had had.
Ruben Adams
Head of Tax, Registered Tax Practitioner
A SAIT-registered specialist in owner-managed business tax. Ruben has a particular knack for untangling multi-year SARS disputes without drama.
Priya Naicker
Investment & Wealth Adviser, CFA
Priya builds our clients' portfolios across local and offshore markets, with a discipline for keeping costs low and expectations honest.
Thabo Molefe
Cash Flow & Modelling Lead, CA(SA)
Thabo turns messy accounting exports into forecasts a founder can read in five minutes — the board packs behind most of our business clients.
In their words
What clients tell us
No sales script, no cost for the first conversation — a real adviser replies within one business day.
Let's get your numbers straight.
Book a no-obligation introductory call. We'll spend thirty minutes on your situation and tell you honestly whether we're the right fit.