Actual financial advice, like it should be

100% unbiased financial advisors here to build your future, not sell you products

As seen in

Feel in control of your finances.

Doshguide is South Africa’s first 100% unbiased flat-fee financial advice platform.

No commissions, no product pushing, no conflicted incentives.

Doshguide partners with you to give you peace of mind, clarity, and confidence to build your ideal future.

No selling, just 100% unbiased advice

Who would you trust more for financial advice? Someone who’s paid by the industry to sell its products? Or someone you pay for impartial expertise and support?

Traditionally

Advisors get paid by institutions. Why? For selling their products. The advisor’s obligation is to the institution.

With Doshguide

Advisors get paid by you. Why? For giving you advice. The advisor’s obligation is to you.

We help you create your ideal future

Build your foundation

Set goals

Budget & save

Optimise tax

Invest smartly

Secure retirement

Create big moments

Buy a home

Get married

Travel the world

Start a family

Balance life & business

How we work

We believe that financial advice should be accessible, unbiased, and managed by advisors at the top of their game.

How do we ensure our advice is unbiased? We use the flat-fee model. Flat-fee is a flexible monthly subscription that you can cancel at any time. This means your financial advisor is paid by you, and not incentivised to sell products you don’t need.

What to expect

Let’s chat

Book a free 20-minute call so that we can find out more about you, and you can find out more about us. No strings attached

Meet your match

Chat with the advisor we have matched you with to find out if they’re the right fit for you. Again, no strings attached

Start your journey

Take the first steps towards building the future you want with your advisor

Once you’re signed up

First 3-6 months:
Create & implement your plan

Co-create your goals and plan your finances with your advisor so that we can help you achieve them

6 months+
Stay on track, through life’s twists

Meet regularly with your advisor for accountability check-ins, regular reviews and real-time support when big moments happen

First 3-6 months: Create & implement your plan

Co-create your goals and plan your finances with your advisor so that we can help you achieve them

6 months+ Stay on track, through life’s twists

Meet regularly with your advisor for accountability check-ins, regular reviews and real-time support when big moments happen

Trusted by clients across South Africa

Our experts are vetted for objectivity and credibility

We match you with the ideal advisor based on your individual needs and profile, including career stage, life stage, financial complexity and profession.

No commission

Our advisors only work on a flat-fee The only way our advisors are remunerated is on a transparent, monthly subscription. They can advise on financial products, but there is no incentive to sell them basis. No selling, no commission, just objective advice for a monthly subscription.

Qualified

Our advisors are Certified Financial Planners™ (CFP’s), the global gold standard of financial planning accreditation, and registered with the Financial Services Conduct Authority (FSCA).

Vetted

Doshguide management personally vets all applicants for ethical, philosophical and service alignment.

Peer screened

A committee of existing Doshguide advisors review all applicants to ensure good standing amongst industry peers.

Savvy Doshguide clients

Transparent, month-to-month subscriptions

Whether just starting your personal finance journey or already further along the path, we have a plan for you.

R1000 - R1999
Per Month

One income source Typically salary is only source of income
Three or less financial products You currently have a limited amount of financial products, perhaps a retirement annuity, disability cover and unit trusts
Strictly flat-fee model No selling, no commission, just objective advice for a monthly subscription. The only way our advisors are remunerated is on a transparent, monthly subscription. They can advise on financial products, but there is no incentive to sell them
Regular meetings Monthly, quarterly or semi-annually to suit your needs

R2000 - R3499
Per Month

One or two income sources You draw income from a salary but may have an additional source such as rental income or proceeds from property sales
Four to seven financial products You currently have a more varied set of financial products which could include retirement products, life and disability cover, stocks or exchange traded funds
Strictly flat-fee model No selling, no commission, just objective advice for a monthly subscription. The only way our advisors are remunerated is on a transparent, monthly subscription. They can advise on financial products, but there is no incentive to sell them
Regular meetings Monthly, quarterly or semi-annually to suit your needs

R3500 - R6999
Per Month

Two or more income sources Typically multiple incomes sources such as salary, rental income, capital appreciation or business profit
Eight or more financial products You have a more complex set of financial products and investments that could include stocks, exchange traded funds, offshore investments or shares in a business
Strictly flat-fee model No selling, no commission, just objective advice for a monthly subscription. The only way our advisors are remunerated is on a transparent, monthly subscription. They can advise on financial products, but there is no incentive to sell them
Regular meetings Monthly, quarterly or semi-annually to suit your needs

All subscriptions are flexible month to month plans, you can cancel at any time

Included in all our subscriptions

Financial goal setting

Planning and accountability in all your money decisions including reducing debt, spend tracking, buying a home, funding education and saving for travel.

Retirement planning

Get on track to financial freedom after you finish working. Maintain your lifestyle in the next stage of work or life.

Investment planning

No selling, just educating you about zero commission products, and putting you in the driver seat to select the best options in the market at the lowest cost.

Life & disability cover

No selling, just educating you on zero commission products, and helping you to objectively figure out an appropriate level of cover.

Ready to take control of your financial future?

Already a client? Refer a friend and you both get a free month of financial advice.

Introduce your friend via info@doshguide.co.za.

It’s a win-win.

T’s&C’s apply.