Thato Ramagaga

Provide wholistic financial planning advice and propose suitable and solid investment solutions for the benefit of clients' needs. Take charge of financial planning software, collate client's data and execute system inputs. Construct comprehensive financial plans by modelling various investment and cashflow scenarios.

Advisory Associate - Citadel Wealth Management - Sandton

(2023-10 - 2025-12)

• Provide wholistic financial planning advice and propose suitable and solid investment solutions for the benefit of clients' needs.
• Take charge of financial planning software, collate client's data and execute system inputs.
• Construct comprehensive financial plans by modelling various investment and cashflow scenarios.
• Review investments proposals and manage asset allocation recommendations to determine if these are suitable for changing market conditions.
• Provide full customer service in managing the wealth and financial planning needs of high net-worth individuals.
• Build and manage relationships for the maintenance of portfolio retention.
• Compile monthly and quarterly reports on the overall performances on return on investments.
• Respond to client queries in a prompt, professional, efficient and timeous manner.
• Comply and adhere to relevant legislation and policies (FAIS, FICA, POIA, General Code of Conduct, etc)
• Maintain operational efficiency with regards to client's experience in the overall planning and management of their portfolios.

Junior Wealth Manager - GCI Wealth - Sandton

(2022-09 - 2023-10)

• Responsible for sourcing new clients as well as maintaining and optimising existing clients by providing sound financial advice regarding their financial planning and investment needs.
• Setting up appointments and meeting with clients to establish their needs and develop financial plans and budgeting.
• Growth and maintain assets under advice (AUA); assets under management (AUM) and maintained margins.
• Comply and adhere to relevant legislation and policies (FAIS, FICA, POIA, General Code of Conduct, etc)
• Maintain operational efficiency with regards to client's experience in the overall planning and management of their portfolios.

Advisory Assistant - Citadel Wealth Management - Cape Town and JHB

(2015-02 - 2022-08)

• Provide wholistic financial planning support to the director and regional head in a wealth management and investment planning environment.
• Develop and maintain a filing system for records management and record keeping as required by the Act.
• Perform administrative duties and oversight on proposed investments solutions and implementation thereof.
• Compile Investment proposals/recommendations and draft asset allocation analysis in Excel.
• Comply and adhere to relevant legislation and policies (FAIS, FICA, POIA, General Code of Conduct, etc)
• Ensure quality work and keep abreast with changing laws, procedures and processes applicable.
• Provide training and supervision to operational support.

Financial Consultant - SMME - ABSA - Mahikeng and Rustenburg

(2011-02 - 2014-12)

• Assist and educate clients on how to manage their financial affairs.
• Collect data on the marketplace, appraise and recommend the most appropriate products available to clients.
• Ensure that clients are aware of the bank products that best meet their needs.
• Maintain acceptable minimum arrears rate in the portfolio, maintain portfolio graduations and high retention rates.
• Deliver a quality front-line banking service to clients within the branch by consultations, gathering and capturing of information, new client take-on procedures and aiding clients with general banking related queries.
• Comply and adhere to regulatory requirements as required by legislation.

Peer Educator - A.C.T.I.V.E Youth Committee

(2003 - 2011)

HIV / AIDS and Domestic Abuse

Post Graduate Diploma - Financial Planning

Bachelor of Commerce - Management Marketing

Certificate in Banking - Sales and Relationships Management

Senior Certificate - Grade 12