Financial freedom,
engineered around you.
Medical aid, life cover, investments, retirement — one expert team, every product, no scripts. Make your money work as hard as you do.
Three principles,
every conversation.
Two decades of advising South African households has taught us what good practice looks like. Everything we do bends around these three.
- 01
Personalised
Every plan is built around your life — not a script. We listen first, recommend second.
- 02
All in one
Medical aid to estate planning — one team, every product, no hand-offs between brokers.
- 03
Honest
Independent advice. Transparent fees. We tell you when not to buy something, too.
Twelve products. One conversation.
Filter by where you are in life. Hover any card for detail. Everything stays in-house — no broker chains.
Medical Aid
Hospital, day-to-day, and family cover from the country's leading schemes.
Gap Cover
Bridges the gap between what your scheme pays and what specialists actually charge — up to 700%.
Life Insurance
A lump-sum payout when you pass away — to clear debt and protect the people who depend on you.
Dread Disease Cover
A lump sum when you're diagnosed with cancer, heart attack, stroke or another listed critical illness.
Disability Cover
Replaces your income if illness or injury stops you from working — temporarily or permanently.
Investments
Discretionary portfolios across local and offshore — managed to your goal, not the market mood.
Retirement Planning
Pre- and post-retirement planning — so you know the number you're working toward and the income you'll draw.
Estate Planning
Structuring your estate so your assets transfer to the right people, with the lowest possible tax and friction.
Will & Testament
A current, valid will — the first step in every financial plan and the easiest one to skip.
Short-Term Insurance
Personal and commercial cover for vehicles, homes, contents and the unexpected.
Employee Benefits
Group medical, retirement, risk and wellness products for businesses of every size.
Financial Planning
The one document that ties everything else together — and the conversation that re-opens it every year.
Find out where you stand — before you book a call.
A 30-second snapshot or a rough cover estimate. No sign-up, no follow-up — just numbers you can take to any conversation.
If you couldn't work for six months, your income would be —
How much cover should you have?
A rough industry guideline — your actual cover depends on debt, retirement plans, and existing policies.
A small Bloemfontein team, engineered around your life.
Frohan Landman started Key Wealth in 2003 with one rule — every plan is built around a person, not a script. Two decades later, we are a small independent practice that handles every product a household needs, from a single conversation.
What real clients say.
Two decades of households. A few of them, in their words.
Frohan reviewed our entire portfolio and found gaps no one else had spotted. Saved us thousands.
Honest. Direct. They tell you what you need, not what pays them.
Their gap cover saved us R47,000 last year. Would not be without them.
Your wealth, in your pocket.
See your policies, upload claims, message your advisor — all from your phone. Available now on Android; get notified the day iOS lands.
Soon 
Plain-language answers, fresh each month.
Take thirty minutes to find out what you don't know.
A free review of where your money sits. Bloemfontein office or video call — whichever you prefer.
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- No obligation
- POPIA compliant