01
Life cover that matches your life
Cover reviewed against your actual obligations: school fees, bonds, dependants and hereditary health risks, not a generic multiple of salary.
Services · Discovery product advisors
Your Discovery portfolio, managed by people who see your whole picture
Life cover, retirement annuities, medical aid, investments. Most advisers see the products. As your accountants and tax practitioners, we see the whole structure they live in, and we manage your Discovery portfolio so every policy pulls in the same direction as your tax and estate plan.
Who it's for
People we do this best for
Discovery life, invest, health and insure portfolios integrated with your tax and estate planning.
- Families wanting one adviser across tax, estate and insurance
- Professionals maximising retirement annuity deductions
- Parents planning education costs and life cover properly
- Anyone unsure what their policies actually cover
What's included
Everything this covers
02
Retirement annuities, optimised
Contributions structured to use the 27.5% deduction, capped at R430,000 a year from March 2026, and reviewed against your retirement number.
03
Investments with tax in the room
Discovery investment portfolios monitored with CGT, income tax and estate duty consequences considered before every move.
04
Medical aid and Vitality
Plans chosen for how your family actually claims, with medical tax credits and Vitality benefits worked into the numbers.
05
Short-term insurance, properly covered
Discovery Insure cover checked so your home, vehicles and assets are protected at the right level, with business insurance recorded and ready for a claim inside your wider financial picture.
06
One point of contact
We deal with Discovery for you: claims, policy changes, statements and renewals, consolidated into your annual financial review.
Why Arbor
One team across tax, accounting and wealth
The same people who file your returns see how every number fits together, so the advice pulls in one direction.
FAQ
The things people actually ask us
Because the products only make sense in context. Your RA contribution affects your tax return. Your life cover affects your estate plan. Your medical aid affects your credits. We already hold that context, so the advice is integrated rather than sold.
Transparently. We disclose commission and fees upfront, in writing, before you commit to anything. If a product does not serve your plan, we say so.
Become a client
Talk to the discovery product advisors team
One conversation, a fixed quote within 2 business days, and a named specialist from day one.