2017 Prospectus -Integrity Academy

Integrity Academy (Pty) Ltd. INSETA Registration number: 130248

Prospectus 2017

i Integrity Academy

Empowering the Financial Industry through Education.

i INSETA Accredited Training Provider/ INSETA Registration number: 130248


TABLE OF CONTENTS

OUR HISTORY .....................................................................................................................................................................................................................

ACADEMIC SUPPORT & TRAINING DELIVERY METHODS

INTEGRITY ACADEMY EXECUTIVE SUMMARY

OUR TRAINING DELIVERY METHODS

ASSESSMENT, ACADEMIC CREDIT ACCUMULATION, PROGRESSION & QUALIFICATIONOUR GENERAL POLLICIES

HOW TO GET STARTED WITH INTEGRITY ACADEMYRegistration process:

ADMISSION REQUIREMENTS & PROCEDURESRequirements for Further Education

OUR LISTED QUALIFICATIONS & WORKSHOPS

QUALIFICATIONS:

National Certicate in Wealth Management (INSETA) NQF 5Further Education and Training (FETC:) In Wealth Management (INSETA) NQF 4Further Education and Training (FETC:) In Short-Term Insurance (INSETA) NQF 4Further Education and Training (FETC:) In Long-Term Insurance (INSETA) NQF 4

TECHNICAL CPD WORKSHOPS:

Behavioural Finance and EconomicsCollective InvestmentsRetirement Wealth ManagementFinancial Planning PrinciplesFinancial Needs AnalysisEstate PlanningFinancial StatementsBusiness Assurance PlanningEssential Tax UpdateGroup Retirement BenetsIntroduction to InvestmentsAdvanced Investment AdviceHealthcare BenetsBusiness EthicsBusiness & Risk ManagementFunctioning as a Trustee

EXAM SUPPORT:

RE 1,3,4 - Key IndividualRE 5 - Representatives

SOFT SKILL WORKSHOPS:

The Smart Financial Planner/ ConsultantFinancial Planner Assistant/ Secretarial WorkshopPresentation SkillsImpact your DestinyCommunication SkillsTelemarketing Basics for Call Centres

ADMISSION POLICYRegistration: National Certicate in Wealth Management (INSETA) NQF 5

OUR ACADEMIC STAFF

CONTACT US

27

2116

1110

9

876543

TERMS & CONDITIONS

14

15

24

28293031323334353637383940414243

Regulatory Exams

44

454648495051

5452

......................................................................................................................................................

.............................................................................................................................................................................

...................................................................................................................................................................................

.................................................................................................................

......................................................................................................................................................................................................

.............................................................................................................................................................................................................

.......................................................................................................................................................................................

.......................................................................................................................................................................................................

..........................................................................................................................................................................

........................................................................................................................

.......................................................................................................................................

........................................................................................................

.......................................................................................................

.......................................................................................................

.........................................................................................................................................................................

...............................................................................................................................................................................................

................................................................................................................................................................................

.....................................................................................................................................................................................

............................................................................................................................................................................................

...........................................................................................................................................................................................................

...................................................................................................................................................................................................

.....................................................................................................................................................................................

....................................................................................................................................................................................................

.........................................................................................................................................................................................

........................................................................................................................................................................................

......................................................................................................................................................................................

...................................................................................................................................................................................................

...........................................................................................................................................................................................................

....................................................................................................................................................................................

..............................................................................................................................................................................................

................................................................................................................................................................................................

...................................................................................................................................................................

.....................................................................................................................................................

.......................................................................................................................................................................................................

.....................................................................................................................................................................................................

.................................................................................................................................................................................................

.........................................................................................................................................................................

............................................................................................................................................................................................................

.........................................................................................................................................................................................................................



OUR HISTORY

Integrity Academy (Pty) Ltd was founded by Johann Cloete, CF P ® in June 2013.

His credentials:-

Johann has over 37 years of experience in the Financial Services Industry, of which 11 years were spent as aFinancial Advisor, with a client practice of 350+, and during that period, achieved 9 IQA awards. In 1990 he was appointed as Training Manager at Sanlam Financial Academy, which was followed by being appointed as Training Account Manager: Broker Services Training in 2007.

In 2008 PSG approached Johann to establish PSG Academy as a Private Higher Education Institution. It was during this period that he developed the Higher Certicate in Wealth Management: NQF 5 and the Advanced Certicate in Financial Planning, NQF 6. During this same period, he completed his Postgraduate Diploma in Financial Planning: NQF 8. Johann is also a qualied OD-ETD Practitioner, Assessor and Moderator.

The combination of sales and academic skills acquired over the 37 years enabled him to successfully develop various learning interventions and qualications for the Financial Service Industry. He not only worked as an advisor, but also served as a Facilitator to Financial Planners, Brokers, Broker Consultants, and those in Management. His wealth of knowledge and hands-on experience, has enabled him to design and create purposedmaterial, thus enabling the individual in the Financial Services Industry the opportunity to excel in their career.

His vision is that of empowering the Financial Services Industry through education.

1



INTEGRITY ACADEMY EXECUTIVE SUMMARY

We make our services available to any person who wants to develop his or her skills and qualications to establish a career path

in the Financial Services Sector.

Tag Line: “Empowering the Financial Industry through education”.

All our lecturers are subject matter experts and/or Certied Financial Planner Professionals ensuring that our commitment to high quality is maintained.

(CFP®)

Values:Integrity

Integrity is a concept of actions, values, methods, measures, principles, expectations, and outcomes. In ethics, integrity is regardedas the honesty and truthfulness of accuracy of one’s actions.

Professionalism

Being professional requires that you comply willingly with the highest ethical standards, deep awareness and understanding of appropriate business behaviour in various cultures. It also requires a high degree of knowledge, skill, ability, attitude and sound judgement.

Trust

It is both character (who you are) and competence (your strength and the results you produce). This is a person on whom one relies because he/she consists of high levels of integrity, strength, ability and surety.

Quality

The quality of service refers to the perception of the degree to which the service meets the customer’s expectations.What determines if you are a quality person?

Honesty Reliable

Capable Respectful Trustworthy

Courteous Responsible Adaptable

Caring Cheerful

Vision:To provide learners with exceptional quality, facilitated and online, training in a seamless, easy to access, user friendly format.

Mission:Integrity Academy (Pty)Ltd endeavors to provide high quality learning material in an easy accessible format.

We develop and enable learners in the Financial Services Industry to excel at designing best practice solutions.

Code Of Conduct:Integrity Academy (Pty) Ltd and its Service Providers undertake the following:

Advise clients and students with the highest level of good faith, integrity, care and diligence;

Comply with all legislation and regulations to the educational environment within the nancial services industry;

Maintain a high level of professional knowledge and skill in order to present clients and students with the best advice;

Refrain from giving advice or instruction in those areas in which he/she is not technically competent;

Provide a client or student with those educational products and services which will best full the client’s or students particular needs;

Maintain excellence in all you do and say.

2



ACADEMIC SUPPORT & TRAININGDELIVERY METHODS

Study GuideEvery single educational module on the curriculum has an accompanying learner guide/workbook, which includes prescribed reading, practical

assignments, assessments activities and tutorial letters. In addition, textbooks are also prescribed to supplement the reading.

Integrity Academy personnel are experienced in the delivery and management of education programmes. As leading educationalist we have

staff appointed in the various tuition hubs to provide telephonic and email support to students.

AccessibilityStringent and inexible study structures severely prejudice a balanced education, which makes Integrity Academy’s distance learning support

mode of delivery the ideal alternative for undergraduate studies. We offer you facilitated work sessions to support you in your studies.

Online learning also means that there is as little disruption to personal life and full-time work schedule. Based on completing modules and

assignments in your own time, the Integrity Academy programme required no daily or weekly commitments and accommodates a career

of extensive travel, extended working hours, or simply a balanced social and working life.

Student Financial AidWe do not provide bursaries, but you can apply through mobicred for a student loan. A student can apply for bursary options at their place of

employment to fundtheir studies either through a once off payment.

WorkshopsWorkshops are held at various venues to support students in their studies. The workshop includes orientation, academic support & requirements,

group work, tutor presentations and assignment focus. During workshops, students have the opportunity to discuss key themes and perspectives

in their study units/modules.

Guidelines are also given to produce good quality assignments. Workshops foster interaction between academics and students in a supportive

learning environment. The interactive nature of the workshops allows students to discuss relevant issues on a one-to-one basis, and to

seek clarity on important foundational concepts of the programme.

Cancellation and RefundsIn case of a cancellation after registration, a 50% cancellation fee will apply:

A 100% cancellation fee (thus no refund) will apply for all cancellations within at least 5 working days prior to the workshop;

Cancellation must be done in writing (email), at least 5 working days before the workshop;

No refunds will be applicable after 6 months of registration;

No refunds will be applicable after you have received your material;

Approved substitutes (candidates complying with the qualication access requirements) are welcome at no extra charge, as long as all

required documentation reach us 5 working days prior to when the workshop takes place.

3

www.mobicred.co.za



OUR TRAINING DELIVERY METHODS

We have two Training Delivery Methods Recent developments in online courses offer large-scale interactive participation and open access through the world wide web or other network technologies. A number of other terms (distributed learning, e-learning, online learning, etc.) are used roughly synonymously with distance education.

Our programmes will all be available on an electronic e-learning platform, which makes it available to any person with access to the internet. This creates accessibility across South Africa and abroad.

1. Online Learning

Learner support and interaction will be via tutors online and in the form of webinars, discussions or chat groups.

Learning materials will be made available on the Learning Management System (LMS).

The Summative Assessment must be completed at our examination centres nationally (paper based).

Time lines will be adapted for each individual learner.

2. Facilitated LearningClassroom training will be arranged (for 15 students or more)

Learning material must be brought to classroom training sessions.

During training the learning material will be discussed and candidates will start with the completion of the Portfolio of Evidence (POE)

This can be uploaded on our Learning Management System or alternatively couriered to our ofces at your own cost.

The summative assessments will be done in one of our examination centres nationally.

Benefits of studying at Integrity Academy One of the leading organisations in insurance and Financial Management-training in the Financial services industry;

From the Life and Short-Term Industry, for the industry;

Our qualications are approved by SAQA, INSETA and FSB;

Well-structures model of 4 Skills Programmes (Semesters) with individual support which takes you from theory to practice;

Study guides are developed and quality assured by industry specialists;

Lectures at our workshops are presented by distinguished faculty and subject-matter experts;

Material is aligned with the FSB Regulatory exam requirements;

Renowned administration and support.

Affordability The affordable programmes and fee structures support Integrity Academy’s philosophy and commitment of providing access to

education through the provision of quality, exible and cost-effective study programmes. Prices will be available on our website.

Overall Experience The undergraduate programmes are designed and structured to stimulate the individual, emotionally and physically.

Graduates possesses the knowledge, skills and ability to tackle the challenges of the modern business world.

4

IA online virtual classrooms will be made available.



ASSESSMENT, ACADEMIC CREDIT ACCUMULATION,PROGRESSION & QUALIFICATION.

Online AssessmentThe online assessment comprises of multiple choice questions which must be answered by a student online.

The online assessment will be a once-off opportunity and counts towards the Formative Assessment mark.

This has to be completed within two weeks before attending the workshops or loading your documents on our LMS system.

Summative AssessmentThe Summative Assessments (exam) will take place on the assessment day as scheduled by the Integrity Academy Coordinator.

Note that the following is applicable to this assessment:

Closed Book Exam;

Only blue or black ink allowed;

No correction uid;

Calculators permitted (HP10Bii is the prescribed Financial calculator);

Exam duration normally: 3 hours (but dependent on the Qualication and NQF Level);

Seats must be taken by 08:30 for administration procedures to commence.

A student will be found competent if he/she obtains a minimum mark of 50% for each of his summative and formative assessments respectively.

A sub-minimum of 40% per unit standard on the summative assessment applies to certain of our INSETA qualications.

The summative assessment comprises of the written exam and the formative assessment comprises of the online assessment, workbook and

assignment combined.

Re-Assessment/RemedialA student will only be allowed 2 re-assessments (after one free assessment - result dependant) for both the summative and/or formative

assessment. Should a student not pass his/her second re-assessment (Summative & Formative Assessment), he/she will not be allowed to continue.

After approval a student will need to re-register for the Skills Programme and pay in full to re-start the workshop.

Academic Credit Accumulation And ProgressionYour results will be made available in the form of a Statement of Results sent to you via e-mail only.

All results are subject to internal moderation and external verication to ensure quality.

QualificationCerticates will be issued only after the full qualication has been successfully completed. Thus, all the relevant Skills Programmes needs to be

completed. No certicate will be sent via courier or post. It will be the responsibility of the candidate to collect or arrange an alternative.

5



OUR GENERAL POLLICIES

Copyright Restrictions It is illegal to photocopy entire books, journals or assignment/ research reports;

Copyright infringement is interpreted as theft;

In Integrity Academy’s view it is not only illegal (and punishable) it’s morally unacceptable. We will debar students if found guilty.

Use of Laptops/I-Pads Should student’s wish to bring their own laptops onto the campus, they will need to provide their own adaptors and extension cords.

Personal computers may not be used during examinations. Integrity Academy will take no responsibility for any losses.

Smoking area/ No smoking Please note that no smoking will be allowed in the ofce/receiption area/ lecture rooms. You are only allowed to smoke in designated areas as

per legislation.

Cellular Phones Please ensure that cellular phones are turned off or on silent during lectures.

Emergency Procedures There will be re drills from time to time. Your full cooperation is requested should the alarm be given. Please proceed to the designated area of safety in an orderly manner.

First aid facilities are available on the premises. Various members of staff are trained as First Aid personnel. Please note that medication will not be dispensed due to allergies or side effects.

Security Issues Integrity Academy does not have any security personnel in the ofce or lecture rooms. Please keep your valuables, personal possessions

(i.e handbags, cell phones, wallets, personal computers, etc.) on you at all times. We will not take any responsibility for loss of property while

you are on our premises.

6



HOW TO GET STARTED WITH INTEGRITY ACADEMY

Requirements Applicants are required to submit the following online when applying for the Integrity Academy programmes:

Application and Enrolment To enrol for any of the qualications on offer, you will need to register on the Integrity Academy website.

Type in the following link: https://integrityacademy.co.za. Follow the below mentioned 4 steps:

STEP 1: Navigate to the Qualication/Workshop

STEP 2: Add to cart/ Proceed to checkout

Registration process:

1. Click Add to cart. 2. Proceed to checkout by Clicking the “proceed to checkout” button found on the pop-up menu or at the top of the screen.

STEP 3: Checkout Process

1. If you have an account click “Login” if you do not, please complete the registration form and click “Register”. 2. Accept Terms and Conditions.

Select Method of Payment.

If you have a voucher code click add. (No Voucher is needed for FREE items, if you only have FREE items in your cart, the “Payment options” will not be displayed).

Click Next.

Click Finish.

3.

4. 5. If you selected “Credit Card/InstantEFT” you will be redirected to PAYFAST to make the payment.

If you selected EFT you will receive Integrity Academy’s Banking details, you can then proceed to make payment via EFT.

(Please take note that “Credit Card/InstantEFT” are allocated automatically where as “EFT” payments to FNB are allocated

manually once payment reects on our system.)

Thus “Credit Card/InstantEFT” will give you instant access, where as “EFT” could take up to a day before you have access to

the Qualication/Workshop.

STEP 3: View Qualication/Workshop.

From this screen you will be able to download your study resources, submit assignments, do quizzes and more.

1.

To access your Qualication/Workshop click on “My Courses”. 2. Click on the course you would like to access. 3.

4.

To access your Qualication/Workshop click on “Student Zone”.

7



ADMISSION REQUIREMENTS & PROCEDURES

The F ETC Qualifications This qualication is suitable for learners who have schooling at/or below NQF 4 (grade 12 certicate).

Our programmes are aimed at learners with less than 4 years experience, newcomers to the industry, or those who have lots of experience,

but would like to brush up on their product knowledge.

National Certificate: Wealth Management Learners need to have successfully completed their grade 12 certicate or equivalent qualication.

RP L (Recognition of Prior Learning) The assessment of current competence/recognition of prior learning (RPL) Integrity Academy (Pty) Ltd has procedures for assessing and

recognising prior learning. This includes procedures for the selection of potential RPL candidates, personnel and structures to support

them through the RPL process.

The RPL process involves the identication, documentation, assessment, evaluation and transcription of prior learning against specied

learning outcomes, so that such learning can articulate with admissions requirements to target programmes and be recognised for entry,

exemption or accreditation purposes.

The assessment instruments developed for RPL are designed and implemented in accordance with Integrity Academy (Pty) Ltd policies on fair

and transparent assessment.

RP L for Higher Education Qualifications If you have done any industry-related subjects and think that you might get exemption for this, please contact us.

An analysis will only be done on relevant industry-related qualications obtained within the past two years.

Subject to approval by Academic Manager: Integrity Academy

RP L for Further Education Qualifications An analysis will be done on credits obtained towards approved Further Education Qualications at NQF Level 4 & 5.

Mapping will be done to determine if the correct “Core”, “Fundamental” and ”Elective” unit standards were obtained to adhere to the qualication requirements.

A student specic learning programme will be evaluated to address the unit standards required for the full qualication.

Requirements for Further Education

8



TERMS & CONDITIONS

Please read through the Terms and conditions applicable to the qualication you wish to complete. NOTE: The following prices are inclusive of VAT.

1. Fees 1.1. Distance Learning: Fees are based on a per product basis and subject to change without prior notice. 1.2. Prescribed Textbook: Fundamentals of Financial Planning. Available from Lexis Nexis, order forms will be made available to students to order the e-book or the hard copy directly from Lexis Nexis. Integrity Academy does not take any responsibility for these transactions.

2. Additional Fees 2.1. Re-assessments: 2.1.1. Summative re-assessments (closed book exam) 2.1.1.1. A fee of R500.00 will be levied for every summative re-assessment. 2.1.1.2. Limited to 2 (two) summative re-assessments per skills programme and failing to PASS, you will have to re-register and pay for the skills programme again.

For EXAMPLE: 1st Summative assessment = 1 attempt. 2nd Summative assessment (Re-assessment 1) = 2nd attempt. 3rd Summative assessment (Re-assessment 2) = 3rd and FINAL attempt.

2.1.1.3. A re-write for a summative assessment passed, is available for a fee of R500.00 per summative assessment. Note: You will only have one opportunity to re-write for a higher mark. The second attempt will count towards the nal mark.

2.1.2 Formative re-assessement 2.1.2.1.Online Assessment: Once-off oppotunity - one ofcial opportunity contributing towards the nal formative assessment mark. 2.1.2.2. Mock Assessment: TWO free mock-assessments available - not compulsory. 2.1.2.3. Unit standard workbook per skills programme: A fee of R500.00 will be levied for every time a skill programme is re-assessed. Limited to 2(two) re-assessments per skills programme and failing to PASS you will have to re-register and pay for the skills programme again.

For Example: 1st Case Study = 1 Attempt. 2nd Case Study (Re-assessment 1) = 2nd attempt. 3rd Case Study (Re-assessment 2) = 3rd and FINAL attempt.

2.2 Re- mark You will be referred to the Integrity Academy Appeals Procedure. A re-mark will only be granted if a learner achieved between 47% and 49%. 2.2.1. R500.00 per summative assessment 2.2.2. R550.00 per Case Study 2.2.3. No remark fees will be refunded. 2.2.4. If you already attempted a re-assessment on a specic paper, this would mean that you have accepted the 1st paper’s result and a re-mark will not be granted. Note that you will have 30 days to appeal a result on a case or summative assessment from the day the result is released. Should you not appeal in this time frame you will need to do a re-assessment on the paper. 2.3. Oral Assessment 2.3.1. R2500.00 per oral assessment on the summative only (only available to people with reading and writing disabilities, medical certicate required).

2.4.Non- attendance R800.00 per workshop/assessment - refer to nr. 5 below for detail on non-attendance. 2.5. Non-submission of formative R600.00 per formative assessment not submitted.

9



TERMS & CONDITIONS

3. Payments

3.2. The nance department will send a pro forma invoice and approve the online registration as soon as payment is received. 3.3. Payment must be done within 1 (one) business day after registration is completed, per Skills Programme. 3.4. Ensure to use your pro forma invoice number as reference when making the payment. 3.5. Proof of payment must be submitted to the nancial department, after receiving the pro forma invoice, and at least 1 (one) working day prior to a workshop, and/or assessment date. Note that no study material and/or results will be released before proof of payment is received. 3.6. If payment is overdue for more than 30 calender days, a deferred fee of R1000.00 will be levied for every 30 days outstanding.

4. Cancellation & Refunds 4.1. In case of a cancellation after registration, but before material is received or workshop attended, a 50% cancellation fee will apply. 4.2. A 100% cancellation fee (thus no refund) will apply if any material has been received or workshop attended. 4.3. If the full amount for the qualication has been paid, and the student drops out mid-qualication (after attending at least 1 (one) Skills Programme) without a valid reason, we reserve the right not to refund the remainder of the fees. 4.4. Approved substitutes (candidates complying with the qualication access requirements) are welcome at no extra charge, as long as all required documentation reach us 5 (ve) working days prior to when the workshop takes place.

5. Attendance, Submission & Completion 5.1. A student has 6 (six) months to complete each skills programme up to a maximum of 24 (twenty four) months (re-assessment included) to complete the full qualication. 5.2. If unsuccessful, a student will need to re-register and the full qualication fee will be levied again. No negotiations regarding extensions will be entered into. 5.3. If a student is not able to attend an assessment date as scheduled, he/she must provide the coordinator with the reason at least 10 (ten) working days before the scheduled assessment. If this is not done within the scheduled time period, the non-attendance fee mentioned in clause 2.4, will apply. If a student does not attend an assessment for which he/she was scheduled and such a student is absent without a valid reason* or a pardon (refer to clause 5.2), the non-attendance fee will be charged for that assessment (refer to clause 2.4). Due to the fact that the student missed the assessment, the student can write on the re-assessment date or another scheduled assessment date pre-arranged with coordinator. Integrity Academy will not be able to schedule an individual assessment for one student. Note that if the re-assessment date or pre-arranged date is not attended, the non-attendance fee will apply. 5.4. No extensions for submissions or assessment will be granted without a valid reason* or pardon. If a student wished to re-schedule his/her assessment or submission date, they must communicate this to the coordinator within 10 (ten) working days. A fee of R500.00 will be charged for re-scheduling, if a valid reason* is not provided, or pardon is not granted. 5.5. If a student does not submit his/her formative assessment without a valid reason on the date communicated, the student will not be permitted to write the summative assessment and the non-attendance fee will apply. 5.6. Requirements needed in order for a student to be found competent: *A student obtains at least 50% in the summative assessment; AND *A Student obtains at least 50% in the formative assessments; AND Obtained the minimum pass rate of 50% in the summative assessment, workbook and online assessment. 5.7. Note that the main assessment centers for Integrity Academy are as follows; Domus Building, Lynnwood Glen (Gauteng). Examinations in outlying areas need to be arranged with the Integrity Academy coordinator; and cannot be guaranteed. 5.8. Integrity Academy will not be held liable for any postal, mailling/courier of letters and/ or certicates and/or material/ workbooks/ case studies. Letters will be e-mailed and certicates can be collected at Integrity Academy’s Lynnwood Glen ofce A student may instruct a courier to collect his/her certicate/documentation at his/her own cost. Integrity Academy will not be held liable for any damages or loss of above mentioned.

10

3.1. Secure payments can be made via the secure PayFast System, using the following methods of payment: EFT (Electronic Fund Transfer), instant EFT, cash deposit at bank or credit/debit cards via the website. No cash or cheques accepted.



TERMS & CONDITIONS

6. Plagiarism 6.1. Integrity Academy expects ethical behaviour with regard to the preparation of all formative- and summative assessments submitted for academic evaluation. Students who are found guilty of plagiarism by an assessor and supported by a moderator will forfeit all credits for the assessment(s) concerned. 6.2. In addition, the matter will be referred to: 6.2.1. The student’s employer (direct manager) and the Human Resources representative of the student’s employer, for disciplinary action to be taken 6.2.2. The INSETA/FSB, where applicable. 6.3. When a student is found guilty of copying and/or plagiarism, the moderation and all other costs will be for the student‘s account and the credits/ qualication will not be awarded to the student. 6.4. Plagiarism is considered a serious violation of Integrity Academy regulations and may lead to your suspension from Integrity Academy, without refund. 6.5. A student will be found guilty of plagiarism when he/she extracts information from a book, article, web page or any other information source without acknowledging the source, and/or pretend that it is his/her own work. This does not only apply to cases where you quote verbatim, but also when you present someone else’s work in a somewhat amended (paraphrased) format, or when you use someone’s arguments or ideas without the necessary acknowledgment. You are also guilty of plagiarism if you copy and paste information directly from an electronic source (e.g. website, e-mail message, electronic journal article, or CD ROM), without paraphrasing it or placing it in quotation marks, even if you acknowledge the source. You are not allowed to submit another student’s previous work as your own. You are furthermore not allowed to let anyone copy or use your work with the intention of presenting it as his/her own.

7. Results 7.1. All results, assessed by our assessors, are subject to moderation, or internal audits/ verication. 7.2. A student’s results can therefore be overturned by a moderator/Quality Assurer/ Auditor/ Verier, at any time. 7.3. Integrity Academy will inform a student if any result is overturned, and the student herewith accepts the decision and recommendations of the Moderator/Quality Assurer/ Auditor/Verier.

8. General 8.1. No refreshments will be provided at any workshop. 8.2. Study material, assessments. as well as workshops will only be provided in English. 8.3.All international students will be responsible to: 8.3.1. Arrange and pay for study material collection at the Integrity Academy - Lynnwood Glen Ofce; 8.3.2. Attend the scheduled assessments at the prescribed venue. 8.4. Viewing of summative assessments must be pre-aranged with the results department at least 10(ten) working days in advanced. No amendments to result will be made during the viewing session. If a student would like to submit the summative assessment for a re-mark, clause 2.2 will apply. 8.5. All personal tutorial sessions with a Integrity Academy subject matter expert must be arranged via the Results Department. A fee of R500.00 will be levied per hour. 8.6. Viewing of summative assessment: 8.6.1. A student will be able to view his/her summative assessment if the viewing session is arranged with the Results Department within a reasonable time (see clause 8.4) 8.6.2. The Results Department will formally book a viewing session with the student; 8.6.3. The student may not make any notes during the viewing session; 8.6.4. The student may not make a copy of a summative assessment.

Disclaimer: Integrity Academy will endeavour to prepare the student for the assessment to be completed and submitted. Integrity Academy can therefore not be held responsible if the student fails any assessment. In addition, if a student’s studies are carried over to a New Academic Year, they are automatically bound by the Terms and Conditions applicable to the New year.

Note: The National Certicate in Wealth Management NQF 5 and the credits associated with this qualication will only be awarded once all skills programmes has be successfully completed and veried by INSETA.

* A valid reason is dened as: a medical condition supported by a medical certicate; or death in the family, supported by a death certicate. The certicate(s) must be submitted no later than 3 weeks after the scheduled date missed. Any other reasons need to be submitted to your Integrity Academy Programme Coordinator for evaluation for pardon.

11



OUR LISTED QUALIFICATIONS & WORKSHOPS

Telemarketing Basics For Call Centers

The Smart Consultant (for Broker Consultants)

Third Party Selling

Financial Planner Assistant/ Secretarial Workshop

Skills Workshop

Skills & Legislation Workshop

Legislation Workshop

Presentation Skills

Impact Your Destiny

Vision

Mission

Goal setting

Value Proposition

Time Management

Communication Skills

Soft Skill workshops

Behavioural Finance and Economics

Collective Investments

Retirement Wealth Management

Financial Planning Principles

Financial Needs Analysis

Estate Planning

Financial Statements

Business Assurance Planning

Essential Tax Update

Group Retirement Benets

Introduction to Investment Advice

Advanced Investment Advice

Healthcare Benets

Business Ethics

Business & Risk Management

Functioning as a Trustee

Technical Skill workshops

Workshops:

Qualifications:

Further Education and Training (FETC):Wealth Management (INSETA)150 credits at NQF 4 (SAQA ID NR. 57917)

120 credits at NQF 5 (SAQA ID NR. 57608)National Certicate in Wealth Management (INSETA):

Further Education and Training (FETC):Short-Term Insurance (INSETA)150 credits at NQF 4

RE 1,3,4 - Key Individual RE 5 - Representatives

Exam Support

(SAQA ID NR. 49929)

Further Education and Training (FETC):Long-Term Insurance (INSETA)140 credits at NQF 4 (SAQA ID NR. 49649)

12



ADMISSION POLICY

Dear student,

In order to register for the following qualication: National Certicate: Wealth Management: NQF Level 5, you need to have the following documentation,

before we can accept your registration.

1. Certied Identity Document;

2. Certied Grade 12 certicate;

3. Other relevant tertiary education certicates;

4. Certied Marriage certicate (if married);

5. Payment made in full for the qualication or per Skill Programme;

6. A Brief Curriculum Vitae;

7. Complete all your information required on the online registration form.

Qualication Names: National Certicate in Wealth Management

Focus: Financial Planning Skills

Focus: Investment Planning

Focus: Healthcare Benets

Focus: Corporate Retirement Fund Benets

SAQA ID: 57608

Credits: 120

NQF Level: 5

PURPOSE:

The purpose of the National Certicate: Wealth Management Level 5 is to build the knowledge and skills required by employees in Wealth Management who have achieve a Qualication equivalent to NQF Level 4, preferably in a Financial Services related eld, and are ready to study at level 5.

It is intended to empower learners to acquire knowledge, skills, attitudes and the values required to operate in a ethical and responsible manner within the highly regulated Financial Services environment and to respond to the challenges posed by the ever changing nature of the Financial Services Industry.

It should add value to the qualifying learner in terms of enrichment of the person, status, licensing and recognition.

As a Qualication in Wealth Management, it provides a framework for learners to develop competencies related to the Long-Term Insurance Sub-Sector, which includes Life Benets, Retirement Funds and Medical Scheme Administration, as well as the Collective Investment Sub-Sector, Wealth Creation and Wealth Management.

It provides a balanced learning experience and an opportunity for learners to apply academic skills in relation to the workplace.

The Qualication is structured in such a way that it exposes learners to generic competencies required in the Financial Services Sector at Level 5 and allows for specialisation to meet the needs of different work roles.

The National Certicate: Wealth Management; Level 5 is a building block for learners who wish to follow a career path in Financial Services withinLong-Term Insurance and investment.

The skills, knowledge, values and attitudes reected in the Qualication lays the foundation to develop further at level 6.

Retail Managers (support advisors - back ofce function);

Collective investment scheme managers;

Account Executives;

Compliance Ofcers;

Financial Advisors;

Personal Finance Planners;

Financial Services Call center Agents;

Client service Providers;

Brokers;

Broker Consultants;

Retirement Fund Consultants;

Retirement Fund Administrators;

The Qualication has relevance for learners in Retirement Funds, Medical Schemes & Intermediaries included but not limited to:

TARGET MARKET:

ACCESS TO THE QUALIFICATION/ENTRY REQUIREMENTSLearners should have at least a Level 4 Qualication. It is preferable that learners should rst complete one of the Long-Term Insuranceor Wealth Management Qualications at NQF Level 4 before accessing this Qualication,.

LEARNING ASSUMED TO BE IN PLACELearners should be competent in Communication and Mathematical Literacy at NQF Level 4.

National Certificate: Wealth Management NQF 5Registration

Medical Scheme Consultants;

13

Para-Planners.



QUALIFICATIONS

120 credits at NQF 5 (SAQA ID NR. 57608)

National Certificate

INSETA registration number: 130248

Build the knowledge/ skills required by employees in Wealth Management (who have a NQF4 Qualication) and ready to study at Level 5.

Help learners acquire knowledge/ skills required to operate ethically in the Financial services environment.

Help learners develop competencies related to the Long-Term Insurance Sub-sector, Collective Investment Sub-Sector, Wealth Creation

and Wealth Management.

This Qualification Is Ideal For:Access to the Financial Services Industry;

Entry level nancial advisors.

Specialising In:Financial Planning Skills

Healthcare Benets

Investment Planning Skills

Corporate Retirement Fund Benets

Purpose:

What Will The Qualification Enable You To Do?

This qualication will provide learners with a wide range of specialised and technical skills, as well as knowledge of the applicable legislation,

economic principles and the Financial Services Industry in general.

Learners will be exposed to the important terms, rules, concepts, principles and theories of Wealth Management

Level, credits and learning components assigned to the qualification:

Fundamental: 39 credits

Core: 40 credits

Electives: 41 credits

Total: 120 credits

National Certificate - In Wealth Management (INSETA):

Page 1 of 5

14

Contact:T: +27(0) 12 348 1098

C: +27(0) 82 881 7971

Website: www.integrityacademy.co.zaEmail: [email protected]

Please visit our Website for pricing.



QUALIFICATION

Many insurers, nancial advisors and brokers in the nancial services industry are facing the challenge of obtaining the required credits

and qualications determined by the FIAS Act. The facilitation is interactive and presented by subject-matter experts.

We are offering you the full qualication in skillls programmes on a modular basis that focuses on Financial Planning, which will be easy to complete over

a one or two year period. With these focused skills programmes, we offer a unique learning opportunity to build your condence and capabilities.

Financial PlanningSKILLS PROGRAMME 1

CREDITS

2

3

2

5

4

31

CODE

242584

242593

117129

230071

U/S TITLE TYPE

E

E

E

F

C

LEVEL

4

4

5

5

5

Explain South African money laundering legislation and the implications for accountable institutions in transacting with clients.

Apply the regulations for disclosure that are required as part of the nancial sales process.

Apply basic economic principles to the nancial sector.

242573 Determine the needs and wants of an entity in order to propose an appropriate nancial solution.

230077

242554 Research information in order to assist in conducting a nancial risk assessment.

Describe the nancial life cycle of an individual and how this inuences nancial solutions. 8 F5

7 C5

Demonstrate knowledge and understanding of the Financial Advisory and Intermediary Service Act (FAIS Act) as it impacts on a specic nancial services sub-sector.

4

6

5

8

31

242574

230075

242603

119997

Present a proposal to optimise the tax aspects of the wealth management of an entity. C

F

F

E

5

5

5

5

Demonstrate knowledge and insight into the changing nature of the nancial services industry and its consumers.

Apply knowledge of estate planning to propose a nancial solution for a specic client.

Demonstrate knowledge and understanding of risk in a Financial Services Environment.

242555 Develop a potential wealth preservation solution for an entity.

SKILLS PROGRAMME 2

8 E5

10

5

10

5

40

230078

242613

242589

230070

Apply the principles of ethics to a business environment. C

E

E

F

6

5

6

5

Apply technical knowledge and skill to advise an individual on planning for retirement.

Apply knowledge of business insurance to propose a Long-Term nancial solution for a business entity.

Present an informed argument on a current issue in a business sector.

5

5

6

6

33

242601

242567

242594

120075

Apply a researched trend to individual nancial risk. C

E

5

Analyse the product design/ structure of different medical schemes to evaluate the benets of each scheme.

Apply knowledge of the different asset classes in order to give nancial advice.

Demonstrate insight into current affairs in the Financial Services Sectors.

242580 Apply scenario planning to explain potential risk in a specied nancial services context.

4

CREDITSCODE U/S TITLE TYPELEVEL

SKILLS PROGRAMME 3


SKILLS PROGRAMME 4


5

5

5

5

C

C

C

242576 Apply technical knowledge and insight into property as an investment. 5 E3

10 E613030 Calculate the taxation of lump-sum benets.

Skills Programmes Covered:

Program Description:

National Certificate National Certificate - In Wealth Management (INSETA):

Page 2 of 5

15



QUALIFICATION

Many insurers, nancial advisors and brokers in the nancial services industry are facing the challenge of obtaining the required credits

and qualications determined by the FIAS Act. The facilitation is interactive and presented by subject-matter experts.

We are offering you the full qualication in skills programmes on a modular basis that , which will be easy to complete focuses on Healthcare Benets

over a one or two year period. With these focused skills programmes, we offer a unique learning opportunity to build your condence and capabilities.

242568

242616

242573

230077

Apply knowledge and insight of the medical scheme environment to evaluate risk in the selected medical scheme.

Objectively evaluate the criteria that materially affect the performance of a medical scheme and its administration.

Determine the needs and wants of an entity in order to propose an appropriate medical solution.

Describe the nancial life cycle of an individual and how this inuences nancial decisions.

230071 Apply basic economic principles to the nancial services sector.

114206

242570

230075

119997

Analyse the strategy impact of a successful wellness programme.

Investigate industry initiatives to quality control medical providers.

Demonstrate knowledge and insight into the changing nature of the nancial services industry.

Demonstrate knowledge and understanding of risk in a Financial Service environment.


242574 Present a proposal to optimise the tax aspects of the wealth management of an entity.

242567

242575

230078

230070

Analyse the product design/structure of different medical schemes to evaluate the benets of each scheme.

Conduct an in depth investigation into the current health-care sector in South Africa using published data.

Apply the principles of ethics to a business environment.

Present an informed argument on a current issue in a business sectors.

242565 Manage medical costs in a specic case with due regard for quality.

242571

242601

242594

242580

Apply knowledge of health economics to make an informed decision.

Apply researched trend to individual nancial risk.


Apply scenario planning to explain potential risk in a specied nancial Services context.

120075 Demonstrate insight into current affairs in the Financial Services Sector.

242584 Demonstrate knowledge and understanding of the Financial Advisory and Intermediary Service Act (FAIS Act) as it impacts on a specic nancial services sub-sector.

Healthcare BenefitsSKILLS PROGRAMME 1

CREDITS

4

10

5

8

5

32

CODE U/S TITLE TYPE

E

E

E

F

LEVEL

6

5

5

5

F5

SKILLS PROGRAMME 2

SKILLS PROGRAMME 3

SKILLS PROGRAMME 4

CREDITS

4

6

5

5

7

31

CODE U/S TITLE TYPE

C

E

F

F

C

LEVEL

5

5

5

5

5

4 C5

5

8

5

2

30

E

E

5

10


5

6

5

5

C

F

E

CREDITS

3

5

4

6

10

30

CODE U/S TITLE TYPE

E

C

C

C

F

LEVEL

6

5

5

5

5

2 E4




Page 3 of 5

16



QUALIFICATION

Many insurers, nancial advisors and brokers in the nancial services industry are facing the challenge of obtaining the required credits and

qualications determined by the FIAS Act. The Facilitation is interactive and presented by subject-matter experts.

We are offering you the full qualication in skills programmes on a modular basis that , which will be easy to complete focuses on Investment Planning

over a one or two year period. With these focused skills programmes, we offer a unique learning opportunity to build your condence and capabilities.

Investment PlanningCREDITS

2

3

2

5

4

7

CODE U/S TITLE TYPE

E

E

E

F

C

LEVEL

4

4

5

5

5

8 F5

31

CREDITS

4

6

5

6

3

4

CODE U/S TITLE TYPE

C

F

F

E

E

LEVEL

5

5

5

5

5

3 E5

31

5 E

CREDITS

10

5

5

8

3

36

CODE U/S TITLE TYPE

C

F

C

E

E

LEVEL

6

5

5

6

6

5 E6

CREDITS

4

10

6

5

3

38

CODE U/S TITLE TYPE

C

F

C

E

E

LEVEL

5

5

5

6

6

4 E6

6 E6

SKILLS PROGRAMME 1

SKILLS PROGRAMME 2

SKILLS PROGRAMME 3

SKILLS PROGRAMME 4

242584

242593

117129

230071

Demonstrate knowledge and understanding of the Financial Advisory and Intermediary Services Act (FAIS Act) as it impacts on a specic nancial services sub-sector.



Apply basic economic principles to the nancial services sector.

242573 Determine the needs and wants of an entity in order to propose an appropriate nancial solutions.

242574

230075

242563

119997

Present a proposal to optimise the tax aspects of the wealth management of an entity.



242576

230078

242601

230070



Apply a researched trend to individual nancial risk.

Apply knowledge and insight into the role of alternative investments in wealth management.

230077



Analyse the role of international investment in wealth management.

Apply technical knowledge and insight into the management of collective investment portfolios.

Apply technical knowledge and insight into sales and marketing of participatory interest in collective investments scheme portfolios.242560

Apply technical knowledge and insight into property as an investment.

242607

Apply knowledge of investment to hedge funds.

Evaluate the relevant performance of Fund/Portfolio Manager.

242595

242477

242572

242594

120075

242587

242580


Demonstrate insight into current affairs in the Financial Services sector.

Apply scenario planning to explain potential risk in a specied nancial services context.

242556

Apply knowledge of macro-economic trends and indices to evaluate the potential effect on a selected portfolio.

Discuss current trends in investment portfolio management.

Apply knowledge and insight to advise on the composition of a nancial portfolio.242619

Demonstrate knowledge and insight into offshore legislation in the South African investment environment.

242606




Page 4 of 5

C5

17



QUALIFICATION

Many insurers, nancial advisors and brokers in the nancial services industry are facing the challenge of obtaining the required credits and

qualications determined by the FIAS Act. The facilitation is interactive and presented by subject-matter experts. We are offering you the full

qualication in skills programmes on a modular basis that , which will be easy to complete over focuses on Corporate Retirement Fund Benets

a one or two year period. With these focused skills programmes, we offer a unique learning opportunity to build your condence and capabilities.


242584

242593

117129

230071

Demonstrate knowledge and understanding of the Financial Advisory and Intermediary Services Act (FAIS Act) as it impacts on a specic nancial services sub-sector.



Apply basic economic principles to the nancial services sector.

242573 Determine the needs and wants of an entity in order to propose an appropriate nancial solutions.

242574

230075

242586

119997

Present a proposal to optimise the tax aspects of the wealth management of an entity.



242605

230078

242601

230070



Apply a researched trend to individual nancial risk.

Advise Retirement Fund Trustees and Corporate’s on the structure of a Fund’s investment.

230077



Apply technical knowledge and insight into how the legislative and regulatory environment impacts on retirement fund benets for employees.

Develop a set of rules that meets the needs of a retirement fund client and are compliant.

Evaluate the effectiveness of the administration function of a retirement fund in order to make an informed decision.242596

Apply nancial knowledge and skill to manage a Trust Fund.

242611

Analyse the implications of current and/or proposed reform for the Retirement Fund sub-sector in order to formulate a possible response.

Apply knowledge and insight to structure and implement a retirement fund for an organisation.

242595

242477

242572

242594

120075

119998

242580


Demonstrate insight into current affairs in the Financial Services sector.

Apply scenario planning to explain potential risk in a specied nancial services context.

242600

Apply technical knowledge and insight to manage the risks inherent in a group scheme.

Demonstrate knowledge and insight into the valuation of retirement funds.

Corporate Retirement Fund Benefits

CREDITS

2

3

2

5

4

7

CODE U/S TITLE TYPE

E

E

E

F

C

LEVEL

4

5

5

5

5

8 F5

31

CREDITS

4

6

5

6

3

5

CODE U/S TITLE TYPE

C

F

F

E

E

LEVEL

5

5

5

5

5

3 E5

32

5 E


CREDITS

4

10

6

8

5

CODE U/S TITLE TYPE

C

F

C

E

E

LEVEL

5

5

5

6

6

33

SKILLS PROGRAMME 1

SKILLS PROGRAMME 2

SKILLS PROGRAMME 3

SKILLS PROGRAMME 4

C5

10

5

5

6

3

37

C

F

C

E

E

6

5

5

6

6

8 E6



Page 5 of 5

18



QUALIFICATIONS


Further Education & Training (F ETC):- In Wealth Management (INSETA):

INSETA Registration number: 130248


This Qualification Is Ideal For:

Specialising In:

The qualication is a holistic introduction to Wealth Management and Wealth Creation.

It enables intermediaries to understand the Wealth Management environment, the legislative requirements and product-related information.

Access to the Financial Services Industry;

Entry level nancial advisors;

Sell Long-term Category A products (assistance policies including funeral policies), Long-term B1 and B2

Sell risk policies and guaranteed investments/savings, recurring policies and annuities other than single premium annuities.

Learners with less than four years’ experience, newcomers to the industry, or those who have lots of experience, but would like to

brush up on their product knowledge.

Wealth Management;

Small Business Skills.

Purpose:

Page 1 of 3

19

Contact:T: +27(0) 12 348 1098

C: +27(0) 82 881 7971





QUALIFICATIONS


F ETC: In Wealth Management (INSETA)

SKILLS PROGRAMME 1

CREDITS

2

2

3

2

2

CODE

117126

242584

114956

243153

U/S TITLE TYPE

E

E

C

LEVEL

4

4

4

4

Demonstrate knowledge and understanding of the Financial Advisory and Intermediary Services Act 2002 (FAIS)(Act 37 of 2002) as it impact on a specic nancial services sub-sector.

Describe funeral insurance.

Explain basic investment principles.

9303

242655

Communicate verbally with clients in a nancial environment.

4

Apply knowledge and insight into aspects of the Long-Term Insurance Act, Act 52 (1998).

Demonstrate knowledge application of ethical conduct in a business environment.

Analyse the different products available in the Long-Term Insurance industry and the benets of each.119478

30

3

4

3

4

3

4

E

E

C

E

C

242593 Explain South African money laundering legislation and the implication for accountable institutions in transacting with clients.

117129 Apply the regulations for disclosure that are required as part of the nancial sales process.

5 4 E

SKILLS PROGRAMME 3

CREDITS

2

2

2

10

CODE

243142

243154

U/S TITLE TYPE

C

C

C

LEVEL

4

4

4

4

Explain money markets and money market instruments.

Explain capital markets and capital market instruments.

C

243148 Explain equity markets and equity market instruments.

243133 Analyse curent events reported in the media that could impact on wealth management.

23

Program Description:Many insurers, nancial advisors and brokers in the nancial services industry are facing the challenge of obtaining the required credits and

qualications as determined by the FAIS Act. The workshop is interactive and presented by subject-matter experts.

We are offering you the full qualication in skills progammes on a modular basis which will be easy to complete over a one or two year period.

With these focused skills programmes, we offer a unique learning opportunity to build your condence and capabilities.

Page 2 of 3

20

120124 Demonstrate knowledge of insurable risk. 3 4 E

3 C3114960 Investigate the need to provide nancially for own retirement.

243137Demonstrate skills and techniques to build a relationship with a client in a nancial services environment.

3 4 E

SKILLS PROGRAMME 2

CREDITS3

4

3

5

CODE117132

243144

243134

U/S TITLE TYPEC

C

LEVEL

3

3

3

Explain the structure of the nancial services industry in South Africa.

Investigate the range of options available for wealth management.

120128 Apply the law of contract to insurance.

242654

119261

Determine risk exposure in order to manage the risk in a specic situation. 2

Explain basic economics.

Describe the control of fraud in Long-Term insurance. 3

6

4

4

4

4

C

C

E

E

E

114970 Manage risk in own life.

32

119262Demonstrate knowledge and application of the relationship between Life Style Measurement (LSM) and long-term insurance.

3 4 E

Wealth Planning OR

243134 Investigate the range of options available for wealth management. 5 4 C

SKILLS PROGRAMME 2

CREDITS3

4

3

3

CODE117132

243144

243137

117244

U/S TITLE TYPEC

C

LEVEL

3

3

3

Explain the structure of the nancial services industry in South Africa.

Demonstrate skills and techniques required in building a relationship with a client in a nancial services environment.

Investigate the possibilities of establishing and running a small enterprise (SMME).

117241 Develop a business plan for a small business.

242810

114209

Manage Expenditure against a budget.

3

6

Explain basic economics.

Apply Return on Investment (ROI) theory and practice to a small business unit.

6

4

4

4

4

C

E

E

E

E

114970 Manage risk in own life.

38

5 4 E

Entrepreneurial Skills

119676 Apply the skills of customer care in specic work environment. 4 4 E



QUALIFICATIONS


F ETC: In Wealth Management (INSETA)Page 3 of 3

21

Mathematics

7468

9015

9016

Apply knowledge of statistics and probability to critically interrogateand effectively communicate ndings on life related problems.

Represent, analyse and calculate shape and motion in 2-and 3-dmensional space in different contexts.

Use mathematics to investigate and monitor the nancial aspects of personal, business, national and international issues.

Communication & Additional South African Language

CREDITS

5

5

5

5

5

CODE

119462

119469

119459

119471

U/S TITLE TYPE

F

F

F

LEVEL

4

4

4

4

Read/view, anaylse and respond to a variety of texts.

Write/present/sign for a wide range of contexts.

Use language and communication in occupational learning programmes.

119472 Accommodate audience and context needs in oral/signed communication.

119457

119465

Interpret and use information form texts. 5

5

Engage in sustained oral/signed communication and evaluate spoken/signed texts.

Write/present/sign texts for a range of communicative contexts.

Use language and communication in occupational learning programmes.119467 5

40

3

3

3

3

F

F

F

F

F

CODE U/S TITLE

6

6

4

16

F

F

F

4

4

4

CREDITS TYPELEVEL

SKILLS PROGRAMME 5

SKILLS PROGRAMME 6

Study Process Step 1

Step 2

Step 3

Step 4

Online assessment.

Workshop: Interaction with SME on any subject that is unclear.

Competence of the formative assessment (workbook) to be established before the summative assessment date is conrmed.

Step 5 Write closed book summative assessment if workbook has been found competent.

Step 6 Results to be released and registration for the next study school can be submitted.

Received material and prepare for the workshop.

Fundamentals Financial Literacy

CREDITS

4

4

5

13

CODE

252143

117156

U/S TITLE TYPE

F

F

F

LEVEL

4

4

4

Interpret basic nancial statements.

Demonstrate knowledge and understanding of the basic principles of personal income tax.

117158 Investigate ways of managing nancial risk in own lives.

SKILLS PROGRAMME 4

Note on SP4: Learners who passed Business Economics or bookkeeping or Accounting as a subject in grade 12 with symbols A-E maybe granted 12 credit through concession against the nancial literacy unit standards at level 4.

Note on SP5: Learners who passed Mathematics as a subject in Grade 12 with symbols A-E may be granted 16 credits through concession against the Mathematics Fundamental Unit Standards at Level 4.

Note on SP6: Learners who passed English as a subject in Grade 12 with symbols A-E may be granted 20 credits through concession against the Communication Unit Standards at Level 3&4. Learners who have passed an additional South African language other than the language of business (English) as a rst, second or third language in Grade 12 with symbols A-E may be granted 20 credits through concession against the Communication Unit Standards required as a second language at Level 3.

VERY IMPORTANT!: Exemptions will only be granted if you have the necessary qualication and proof, in other words a certied copy of Matric Certicate. Furthermore you will only be granted exemption after you have completed all the other unit standards of this qualication.Ask the Program Coordinator to send you the INSETA exemption form.



QUALIFICATIONS


Further Education & Training (F ETC): Short-Term Insurance (INSETA):


The qualication covers short-term related learning and provides a framework for learners to develop competencies that will give them

insight into the short-term insurance sub sector.

It introduces a basic understanding of the key terms, rules, concepts and principles of the eld that will ready them for the industry.

What will the qualification enable you to do?

This qualification is ideal for:Access to the Financial Services Industry;

Entry level nancial advisors.

Carry out basic research, information gathering, analysis and communicate it to a larger audience;

Offer advice in terms of current Determination of Fit and Proper Requirements for Financial Services providers;

Purpose:

Carrying out basic research, information gathering and analysis;

Interpreting current affairs;

Communication and Mathematical Literacy;

Behaviour and ethics in a work environment;

Managing aspects of personal Finances;

Knowledge of Short-Term personal and/or commercial lines products;

Customer Care;

Knowledge of insurable risk.

It is intended to empower learners to acquire knowledge, skills, attitudes and values required to operate condently as individuals and

to respond to the challenges of the economic environment and changing world of work in the nancial services industry.

It should add value to the qualifying learner in terms of enrichment of person, status and recognition.

Page 1 of 3

22

Contact:T: +27(0) 12 348 1098

C: +27(0) 82 881 7971





QUALIFICATIONS

F ETC: In Short-Term Insurance (INSETA)

Skills Programmes Covered:Personal LinesSKILLS PROGRAMME 1

CREDITS

3

2

3

4

6

CODE

120008

120011

120015

120016

U/S TITLE TYPE

E

E

E

LEVEL

4

4

4

4

Apply knowledge of personal all risk insurance.

Demonstrate knowledge and understanding of house owners insurance.

Apply knowledge insurance of household contents.

120118 Underwrite a standard risk in short term personal insurance.

120123

120132

Process a short-term insurance claim. 3

3

Demonstrate knowledge and understanding of the insurance of pleasure craft.

Apply knowledge of personal liability insurance.

Apply knowledge and understanding of business motor insurance.120135

28

5

4

4

4

4

E

E

E

E

E

Commercial LinesSKILLS PROGRAMME 1

CREDITS

10

10

2

CODE

120110

120115

120122

U/S TITLE TYPE

E

E

LEVEL

4

4

4

Underwrite a standard risk in short term commercial insurance.

Apply technical knowledge and understanding of business insurance.

Apply knowledge of short-term insurance to the all Risk section ofa commercial policy.

120135 5

32

4

E

E

OR

Personal Lines & Commercial LinesSKILLS PROGRAMME 2

CREDITS4

4

CODE114985

117117

U/S TITLE TYPEC

C

LEVEL3

4Describe standard insurance cover in terms of SASRIA.

119265

120121

Manage risk in own environment. 2

5

Indicate how different needs lead to the development of different Financial Service products.

Apply technical knowledge and understanding of the cover provided under short-term Mulit-peril Insurance policy.

Demonstrate knowledge of insurable risk.

Apply the law of contract to insurance.

120124

120128

21

3

3

4

4

4

4

C

C

C

C

Program Description:The purpose of the qualication is to build knowledge and skill required by employees in Short-Term Insurance who have had schooling at or below NQF level 4. It is an entry qualication into Short-Term Insurance as learners will not have acquired the necessary knowledge and skills as part of the school curriculum. It should add value to the qualifying learner in terms of enrichment of the person, status and recognition.

Personal Lines & Commercial LinesSKILLS PROGRAMME 3

CREDITS4

10

4

4

2

CODE242655

120019

120005

119676

U/S TITLE TYPEC

C

C

LEVEL4

4

4

4

Anaylse new developments reported in the media that could impact on short-term insurance.

Demonstrate knowledge and understanding of personal motor insurance.

Apply the skills of customer care in specic work environment.

117133 Manage own work performance in relation to an organisation’s performance management system.

114943

113911

Describe how to manage workplace relationships. 2

2

Demonstrate knowledge and application of ethical conduct in a business environment.

Use an electronic system as a tool in a nancial services context.

Demonstrate knowledge and understanding of issues of compliance or non-activity that could result in civil or criminal liability in terms of business law.

Demonstrate knowledge and insight of the Financial Advisory and intermediaryservices Act (FAIS) (Act 37 of 2002).

120127

242584

33

2

2

3

3

3

4

4

C

C

C

C

C

E

Page 2 of 3

23

120120 Apply knowledge of business interruption insurance. 3 4 E

Apply knowledge and understanding of business motor insurance.

Demonstrate knowledge and insight of the Financial Advisory and intermediary services Act (FAIS) (Act 37 of 2002). 2 4 E242584



QUALIFICATIONS

F ETC: In Short-Term Insurance (INSETA)

Skills Programmes Covered:Page 3 of 3

24

Mathematics

7468

9015

9016





CREDITS

5

5

5

5

5

CODE

119462

119469

119459

119471

U/S TITLE TYPE

F

F

F

LEVEL

4

4

4

4





119457

119465


5




40

3

3

3

3

F

F

F

F

F

CODE U/S TITLE

6

6

4

16

F

F

F

4

4

4

CREDITS TYPELEVEL

SKILLS PROGRAMME 5

SKILLS PROGRAMME 6


Step 2

Step 3

Step 4

Online assessment.







CREDITS

4

4

5

13

CODE

252143

117156

U/S TITLE TYPE

F

F

F

LEVEL

4

4

4




SKILLS PROGRAMME 4







QUALIFICATIONS


Further Education & Training (F ETC): Long-Term Insurance (INSETA):



This Qualification Is Ideal For:

Purpose:

Carrying out basic research, information gathering and analysis.

Interpreting current affairs and their inuence on Long-term Insurance.

Communication and mathematical literacy at a level that allows them to operate effectively in the nancial services industry.

Behaviour and ethics in a work environment and the implications, consequences and liability arising out of non-compliance with

relevant legislation.

Managing aspects of personal nances.

Knowledge of Long-term products including group retirement benets, life and healthcare.

Customer care including internal and external customers.

Understanding the key terms, rules, concepts and principles of the Long-term sub-sector in general and their chosen career path in particular.

Application of the law of contract in Long-term Insurance.

The purpose of the Qualication is to build knowledge and skill required by employees in Long-term Insurance who have had schooling at or

below NQF level 4. It serves as a bridging Qualication into Long-term Insurance as learners will not have acquired the necessary knowledge

and skills as part of the school curriculum. It is intended to empower learners to acquire knowledge, skills, attitudes and values required to operate

condently as individuals in the South African community and to respond to the challenges of the economic environment and changing world of work

in the nancial services industry. It should add value to the qualifying learner in terms of enrichment of the person, status and recognition.

As a Qualication that covers Long-term Insurance related learning, it provides a framework for learners to develop competencies that will give

them insight into the Long-term Insurance sub sector. It introduces a basic understanding of the key terms, rules, concepts and principles of the

eld that will enable learners to be informed workers in the industry. It provides a balanced learning experience that allows exible access to life long

learning, higher education and to productive employment in Long-term Insurance. It provides an opportunity for learners to learn and apply academic

skills in relation to the workplace and will allow for multi-skilling.

Learners employed in Long-term Insurance at this level may be Administrators, Consultants, Personal Assistants, Secretaries, Service Centre Staff;

Category B Intermediaries, Term Broker Consultants, Client Liaison Ofcers, IT Systems Designers and Analysts in Long-term organisations,

Product Developers or Business Analysts in Personal or Corporate Benets,

Marketing or Life Administration.

Page 1 of 3

25

Contact:T: +27(0) 12 348 1098

C: +27(0) 82 881 7971





QUALIFICATIONS


F ETC: Long-Term Insurance (INSETA)

CREDITS

2

3

4

3

5

27

CODE U/S TITLE TYPEC

C

C

C

C

LEVEL3

3

3

3

4

10 C4

CREDITS

3

4

4

3

4

2

CODE U/S TITLE TYPE

C

C

C

C

C

LEVEL

4

4

4

4

4

2 C4

3

4 C

SKILLS PROGRAMME 1

SKILLS PROGRAMME 2

117141

114983

117146

114960

Describe healthcare cover in South Africa.

Describe life insurance.

Indicate the scope of life insurance in South Africa .

Investigate the need to provide nancially for own retirement.

119478 Analyse the different products available in the Long-Term Insurance Industry and the benets of each.

120128

119676

120124

242655

Apply the law of contract to insurance.

Apply the skills of customer care in a specic work environment.

Demonstrate knowledge and application of ethical conduct in a business environment.

243131

118011 Analyse new developments reported in the media that could impact on long-term insurance.

Demonstrate knowledge and understanding of insurable risk.

Describe group insured benets.

Describe issues of complaince or non-activity that could result in civil or criminal liability in terms of business law.120127

Describe disability insurance solutions in the context of nancial planning.

117137

4 CDescribe the control of fraud in long-term insurance.119261

2 4 CInvestigate dread disease products and their place in wealth management.243139

27

CREDITS

2

2

3

2

2

2

CODE U/S TITLE TYPE

E

E

E

E

E

LEVEL

4

4

4

4

3

4 E2

3

4 E

SKILLS PROGRAMME 3

242584

117129

117126

242593

Demonstrate knowledge and insight of the Financial Advisory and Intermediary Services Act (FAIS) (Act 37 of 2002).


114956

Apply knowledge and insight into aspects of the Long Term Insurance Act, Act 52 of 1998.

Explain credit life insurance.

Manage risk in own work environment.119265

Describe funeral insurance.

119260

4 EDemonstrate skills and techniques required to build a relationship with a client in a nancial services environment.243137

2 3 EManage time effectively to enhance productivity and enable a balanced lifestyle. 117171

Page 2 of 3

26

20

Explain South African money laundering legislation and the implication for accountable institutions in transacting with clients.



QUALIFICATIONS

Skills Programmes Covered:Page 3 of 3

F ETC: Long-Term Insurance (INSETA)

27

Mathematics

7468

9015

9016





CREDITS

5

5

5

5

5

CODE

119462

119469

119459

119471

U/S TITLE TYPE

F

F

F

LEVEL

4

4

4

4





119457

119465


5




40

3

3

3

3

F

F

F

F

F

CODE U/S TITLE

6

6

4

16

F

F

F

4

4

4

CREDITS TYPELEVEL

SKILLS PROGRAMME 5

SKILLS PROGRAMME 6


Step 2

Step 3

Step 4

Online assessment.







CREDITS

4

4

5

13

CODE

252143

117156

U/S TITLE TYPE

F

F

F

LEVEL

4

4

4




SKILLS PROGRAMME 4







TECHNICAL CPD WORKSHOP

Behavioural Finance & Economics

What is Behavioural Finance & Economics?Behavioural economics behavioural nance psychological cognitive, along with the related sub-eld, , studies the effects of , social, , and emotional

factors on the of individuals and institutions and the consequences for , , and the . economic decisions market prices returns resource allocation

Behavioural nance is the eld of nance that proposes psychology-theories to explain stock market abnormalities. With behavioural nance,

it is assumed that the information structure and the characteristics of market participants systematically inuence individuals’ investment

decisions as well as market outcomes. Behavioural economics includes how market decisions are made and the mechanisms that drive public choice.

Explain the Basic Principles of Economics;

Explain the use of Economic Indicators;

Explain the importance of government policies in the investment environment;

Apply the fundamentals of economics to the nancial services environment;

Apply the fundamentals of exchange control to the nancial services environment;

Explaining the effect of emotion on nancial decisions and long-term wealth accumulation;

Apply knowledge of behavioural nance to explain investor behaviour;

Discussing how behavioural economics can contribute to understanding market behaviour;

Analysing how nancial services organisations respond to behavioural decisions on the part of the market.

What will this CP D Workshop enable you to do?

28

Contact:T: +27(0) 12 348 1098

C: +27(0) 82 881 7971





TECHNICAL CPD WORKSHOPCollective Investments

Discuss the legal requirements associated with Collective Investment Schemes according to CISCA and other relevant legislation;

List the relevant industry role players in Collective Investments and describe their functions;

Apply technical knowledge and insight into the management of Collective Investment portfolios;

Apply technical knowledge and insight into the sales and marketing of participatory interest in Collective Investment Scheme portfolios:

Analyse new developments reported in the media that could impact on the Collective Investment industry;

Analyse the impact of taxation and cost on the Collective Investment Scheme.

Discuss the classication of Collective Investment Schemes as described in the Association for Savings and Investments for SA (ASISA) code of practice relating to fund classication for SA regulated CI portfolios;


What is Collective Investments?A type of investment scheme that involves collecting money from different investors and then combining all the money collected to fund the investment.

A collective investment scheme may also be called a mutual fund. Similar to a mutual fund, a collective Investment scheme provides almost absolute

control of the investment to the company pooling and investing the money.

29

Contact:T: +27(0) 12 348 1098

C: +27(0) 82 881 7971





TECHNICAL CPD WORKSHOPRetirement Wealth Management

The process of determining retirement income goals and the actions and decisions necessary to achieve those goals.

Retirement planning includes identifying sources of income, estimating expenses, implementing a savings program and managing assets.

Future cash ows are estimated to determine if the retirement income goal will be achieved.

What is Retirement Planning?

The emphasis one puts on retirement planning changes throughout different life stages:

Early in a person’s working life, retirement planning is about setting aside money for retirement;

During the middle of an individuals career, it might also include setting specic income or asset targets and taking the steps to achieve them;

In the few years leading up to retirement, nancial assets are more or less determined, and so the emphasis changes to

non-nancial, lifestyle aspects.

What will this CP D Workshop enable you to do?Describe the implications of marriage and divorce when analysing and evaluating proposed retirement option (in accordance with the

Matrimonial Property Act, 1988, Divorce Act 1979, Maintenance of surviving spouse 1990, and Penions Funds Act, 1956;

Explain existing employee benets in terms of the impact of legislation to retirement planning;

Assess objectives and provisions for a specic client based on a client’s risk tolerance and objectives and discuss the different type of

retirement options, including but not limited to benets, contributions, tax, etc.;

Apply knowledge of tax implications to a complex retirement planning scenario;

Recommend changes to a retirement plan after an unplanned life event.

30

Contact:T: +27(0) 12 348 1098

C: +27(0) 82 881 7971





TECHNICAL CPD WORKSHOPS

Financial Planning Principles

A nancial planner is a qualied investment professional who helps individuals and corporations meet their long-term nancial objectives by

analysing the client’s status and setting a program to achieve the client’s goals. Financial planners specialising in tax planning, asset allocation,

risk management, retirement and/or estate planning.

In a nutshell it involves long-term prot planning aimed at generating greater return on assets, growth in market share,

and at solving foreseeable problems.

Discuss the concept of prospecting and why this would be important for the intermediary to master, to ensure success in career as a nancial planner;

Establish and dene a professional relationship with the client;

Gather information in order to conduct a basic needs analysis for a client by evaluating the current and future nancial position by determining the needs and wants;

Determine the needs and wants of an individual at different stages in his/her life cycle;

The dynamic nature of income and expenditure typical at different stages of an individual’s life;

Explain the interrelationship between an individual’s wants and basic needs and the implications for a nancial plan;

Interpret critical events that trigger entry into a new stage in the nancial life cycle.

What are Financial Planning Principles?


31

Contact:T: +27(0) 12 348 1098

C: +27(0) 82 881 7971






Financial Needs Analysis

What is a Financial Needs Analysis?

What will this CP D Workshop enable you to do?Analyse the Financial statements of an individual/organisation;

Perform time value of money calculations;

Calculate monies available for risk nance;

Qualify the exposures to risk for an individual/Organisation;

Determine potential nancial solutions.

A Financial Needs Analysis is the cornerstone of your nancial plan. Unless you have established your needs and goals, your plan will be awed.

The rst step towards getting your nances in order and being able to meet your nancial goals is a properly constructed nancial plan.

This entails properly anaysing your current nancial position, your nancial needs and wants, and how your plan to achieve your nancial goals.

The solution to constructing a cohesive and affordable plan lies with a .Financial Needs Analysis

A nancial needs analysis, also know as a fact nd, will identify:

Your destinations (what you need to achieve);

Your traveling kit (what you already have in assets);

Your nancial rout map (what you can afford and where to use your nancial resources to the best advantage).

32

Contact:T: +27(0) 12 348 1098

C: +27(0) 82 881 7971





TECHNICAL CPD WORKSHOPSEstate Planning

What is Estate Planning?


Estate planning is the collection of preparation tasks that serve to manage an individuals asset base in the event of their incapacitation or death,

including the bequest of assets to heirs and the settlement of estate taxes.

Estate plans are set up with the help of a nancial planner or an attorney experienced in estate law.

Simply put, Estate planning is the act of preparing for the transfer of a person’s wealth and assets after his or her death. Assets, life insurance,

pensions, real estate, cars, personal belongings, and debts are all part of one’s estate.

Explain the impact of various marital regimes on Estate Duty;

Interpreting the provisions of a will and testament;

Applying knowledge of legislation to calculate Estate Duty;

Analyse and explain the impact of the various Acts on the liquidity of an estate;

Discuss the concept of a Trust and its benets in Estate Planning;

Evaluate the estate of High Net worth Clients;

Estate Planning Tools;

Proposing a nancial solution to ensure orderly and cost-effective winding up of an estate.

33

Contact:T: +27(0) 12 348 1098

C: +27(0) 82 881 7971






Financial Statements

What is Financial Statements?

What will this CP D Workshop enable you to do?Analysis of Basic Financial Statements;

Determine sustainability of Economic Entities;

Determine Financial Viability of a rm;

Report on the nancial viability of a rm.

Financial statements are records that outline the nancial activities of a business, an individual or any other entity. Financial statements are

meant to present the nancial information of the entity in question as clearly and concisely as possible for both the entity and for readers.

Financial statements for businesses usually include: income statement, statements of retained earnings and cash ows,

as well as other possible statements.

A nancial statement (or nancial report) is a formal record of the nancial activities and position of a business, person, or other entity.

Relevant nancial information is presented in a structured manner and in a form easy to understand.

34

Contact:T: +27(0) 12 348 1098

C: +27(0) 82 881 7971





TECHNICAL CPD WORKSHOPSBusiness Assurance Planning

What is Business Assurance Planning?


Assurance is the coverage of an event that is certain to happen. Assurance is similar to insurance (and sometimes the terms are interchangeable)

except that Assurance protects policyholders from events that might happen, while insurance covers assets and liabilities.

Business Assurance nds it’s application in the provision of cover for buy-and-sell agreements, key person, contingency liability,

loan accounts, surety cover, etc.

Research different types of business entities;

Analyse the Long-Term business assurance/ insurance needs of an entity;

Valuate a business for Long-Term business assurance/insurance purposes;

Company- and Employer-owned policies;

Key Person Assurance;

Business Contingency Plan/ Personal Liability Plan;

Preferred Compensation Plan;

Buy-and-sell agreements;

Propose a long-term business assurance/insurance solution.

.

35

Contact:T: +27(0) 12 348 1098

C: +27(0) 82 881 7971






Essential Tax Update

What is Taxation for Financial Planners?


A means by which governments nance their expenditure by imposing charges on citizens and corporate entities.

Governments use taxation to encourages or discourage certain economic decisions.

For example, reduction in taxable personal (or household) income by the amount paid as interest on home montage loans results in

greater constructions activity, and generates more jobs.

Demonstrate knowledge and insight into how different assets and instruments are taxed;

Analyse the current tax position of an entity;

Identify possible tax scenarios;

Present a possible solution to optimise tax aspects of a wealth management portfolio:

Natural Persons;

Trusts;

Deceased Estates;

Insolvent Estates;

Lump-Sums at Death, Retirement, Retrenchment and Withdrawal;

Lump-Sum from Employment.

Latest tax update;

36

Contact:T: +27(0) 12 348 1098

C: +27(0) 82 881 7971





TECHNICAL CPD WORKSHOPSGroup Retirement Benefits (Pensions)

What is Group Retirement Benefits?

What will this CP D Workshop enable you to do?Establish a Retirement Fund;

Structure of a Fund;

Retirement Fund Investments;

Insurance arrangements of a Fund;

Fund Governance;

Case Study.

This workshop covers the various retirement funds, and group life benets, which can be established by an employer to facilitate an organise

the investments of employee’s retirement funds. Both the employer and employee’s can contribute to these funds.

The retirement fund is a common asset pool meant to generate growth over the long term, and provide pensions for employee’s when

they reach the end of their working years and commence retirement.

Legal and Regulatory Framework of a Fund;

37

Contact:T: +27(0) 12 348 1098

C: +27(0) 82 881 7971





TECHNICAL CPD WORKSHOPSIntroduction to Investment Advice

What is Investment Advise and Planning?


An investment is an asset or item that is purchased with the hope that it will generate income or appreciate in the future.

In an economic sense, an investment is the purchase of goods that are not consumed today but are used in the future to create wealth.

In nance, an investment is a monetary asset purchased with the idea that the asset will provide income in the future or

appreciate and be sold at a higher price.

Briey describe nancial markets and instruments in terms of investment:

Analyse and describe the different asset classes and their role in a nancial plan;

What is an asset class?

Overview of asset classes;

Analyse asset classes to determine their characteristics;

Briey describe nancial markets and instruments in terms of investments;

Discuss the different types of investments including;

Analyse the effect of the investment environment on the asset classes;

Investigate how market conditions impact on asset classes;

Discuss the composition of the investment portion of a nancial portfolio with reference to asset classes;

Analyse the risk prole of a client in order to propose a nancial solution.

38

Contact:T: +27(0) 12 348 1098

C: +27(0) 82 881 7971





TECHNICAL CPD WORKSHOPSAdvanced Investment Advice

What is Investment Advise and Planning?


An investment is an asset or item that is purchased with the hope that it will generate income or appreciate in the future.

In an economic sense, an investment is the purchase of goods that are not consumed today but are used in the future to create wealth.

In nance, an investment is a monetary asset purchased with the idea that the asset will provide income in the future or

appreciate and be sold at a higher price.

Basic Principles of Economics;Interest Rate Calculations;

Financial Market Instruments;

Statistical Models: Financial Markets;

Equity Evaluations;

Bond Evaluations;

Derivatives;

Investment Portfolio Management;

Products marketed by Product Providers.

39

Contact:T: +27(0) 12 348 1098

C: +27(0) 82 881 7971





TECHNICAL CPD WORKSHOPHealthcare Benefits

What is Health Care Benefits within the Financial Industry?

What will this CP D Workshop enable you to do?Medical Scheme Industry and Environment;

Duties, Responsibilities and Government Legislation;

Rules of a Medical Scheme;

Medical Schemes and Risk Management;

Benet Option Structures;

Theories of Product Development used by Medical Schemes.

A medical scheme helps you to pay for your healthcare needs, such as nursing, surgery, dental work, medicine and hospital accommodation.

It can be described as “insurance” you are taking out to cover your health costs. You (and in certain cases your employer)

pay regular contributions to the scheme.

40

Contact:T: +27(0) 12 348 1098

C: +27(0) 82 881 7971






Business Ethics

What is the Principles of Ethics in a business environment?Business or corporate ethics is a form of applied or professional ethics that examines ethical principles and moral problems that arise in a

business environment. Business ethics refers to contemporary standards or sets of values that govern the actions and behaviour of an individual

in the business organisation. It applies to all aspects of business conduct and is relevant to the conduct of individuals and entire organisations.

What will this CP D Workshop enable you to do?Apply concepts and principles relating to business ethics;

Demonstrate knowledge and insight into legislation, regulations and codes relating to corporate governance and ethics in a

selected business sector;

Explain the disclosure requirements as per FAIS Code of Conduct;

Apply the principles that underpin ethics and professionalism to a Code of Conduct;

Apply ethics and professionalism to a code of conduct by exercising professional judgment;

Critically evaluate the implementation of an organisation’s ethical code or value system;

Develop a plan to initiate or improve commitment and compliance and the implementation of a code of conduct in an organisation.

Develop a plan to explain how you would go about Treating Customers Fairly.

41

Contact:T: +27(0) 12 348 1098

C: +27(0) 82 881 7971





TECHNICAL CDP WORKSHOPS

Business & Risk Management

What is a Risk Assessment?


Risk assessment is a general term used across many industries to determine the likelihood of loss on a particular asset, investment or loan.

The process of assessing risk helps to determine if an investment is worthwhile, what steps may be taken to mitigate risk and, through specic

ratios, the upside reward compared to the risk prole. It determines what rate of return is necessary to make a particular investment succeed.

Demonstrate knowledge and understanding of risk assessment in a Financial Services environment:

Analyse the research required to conduct a nancial risk assessment;

Conduct an information search to answer questions raised by a brief;

Select information in order to produce a research report;

Organise and present the ndings of the research.

What is Business Management ?Management is commonly dened as the alignment and coordination of multiple activities in an organization. Business owners use

management skills to accomplish the goals and objectives of their company.

What will this CP D Workshop enable you to do?Demonstrate knowledge and understanding of Business Management in a Financial Services environment:

Identify risks for your nancial planning practice;

Draft a business plan for your nancial planning practice;

Develop a marketing plan for your business practice.

42

Contact:T: +27(0) 12 348 1098

C: +27(0) 82 881 7971






Functioning as a Trustee

What is a Trustee?

What will this CP D Workshop enable you to do?Apply knowledge and skill with regards to the functioning as a Trustee in the Retirement Fund Environment:

Duties and Responsibilities of Trustees;

Governance by the Board;

Liabilities of the Trustee;

Ofce of the Trustee;

Independent Trustees;

Governance of operations of Funds;

Management of a fund surplus;

Management of Stakeholder relationships.

A trustee is a person or rm that holds and administers property or assets for the benet of a third party. A trustee may be appointed for a

wide variety of purposes, such as in the case of bankruptcy, for a charity, for a trust fund or for certain types of retirement plans or pensions.

Trustees are trusted to make decisions in the beneciary's best interests and often have a duciary responsibility to the trust beneciaries.

43

Contact:T: +27(0) 12 348 1098

C: +27(0) 82 881 7971





EXAM SUPPORT

Regulatory Exam Support

Execute the required actions as a representative in terms of the FAIS Act;

Contribute towards obtaining an FSP Licence;

Adhere to the specic obligations in terms of the relevant Code of Conduct and other subordinate legislation;

Apply knowledge of nancial products;

Awareness of consequences for representatives that have been found to act fraudulently, or committed any other act that gives rise to debarment;

Align execution of duties and actions with the compliance requirements;

Carry out proper record-keeping duties.

Demonstrate knowledge and understanding of the Financial Advisory and Intermediary Services Act (FAIS Act) as it impacts on a specic nancial services sub-sector:

FAIS LEGISLATION:

RE 1,3,4,5 Summary:

To ensure that fair treatment of customers is embedded within the culture of nancial rms.

You will need to achieve the following:

Understand the structural model to deliver TCF;

Understand the six fairness outcomes of TCF;

Understand TCF and the product life cycle;

Understand the ultimate desired outcomes of TCF.

TREATING CUSTOMERS FAIRLY (TCF):

To ensure the correct understaning and purpose of the Retail Distribution Review (RDR)

You will need to achieve the following:

Discuss the purpose of the Retail Distribution Review (RDR);

Describe the implementation of RDR;

Describe the types of Advisors post RDR;

Discuss the remuneration of the Advisor;

Discuss equivalence of reward;

Explain consumer awareness;

Investigate International Advisor Remuneration Models;

Explain scaling and surviving Twin Peaks.

RETAIL DISTRIBUTION REVIEW (RDR):

Explain South African money-Laundering legislation the implications of accountable institutions in transacting with clients:

The purposes of Money Laundering legislation;

Requirements for accountable institutions;

How to report suspicious transactions;

Consequences of non-compliance.

FICA LEGISLATION:

The workshop includes:

WE PROVIDE:Online mock exam support

All study material is updated on a regular basis. Will always be relevant.

44



SOFT SKILLSThe SMART Financial Planner/ Consultant

What is a SMART Consultant?

Content:

A SMART Financial Planner/Broker Consultant functions in a Third Part Selling role.

One challenge of starting a third-party marketing career is nding a company that will take the time to show you how they operate and compete

against other rms in the industry. Most marketing companies play it close to the vest, and are slow to hire unless the individual applying for the

job is coming from another third-party marketing company or can show a substantial track record of raising assets that can be conrmed by some

objective means. The purpose of the SMART Consultant workshop is to teach these skills and provide you with an edge in the industry.

At the conclusion of this workshop consisting of eight sections you will be able to:

Design and populate a Consultancy Plan;

Establish a productive relationship with your Brokerage/Broker/Financial Planner;

Diagnose the business of your Brokerage/Broker/Financial Planner;

Do a proper client and practice analysis per Brokerage/Broker/Financial Planner;

Design and populate a BrokerPlan per Brokerage/Broker/Financial Planner;

Present your solutions to the Brokerage/Broker/Financial Planner;

Implement and maintain the plans you together agreed upon;

Evaluate and improve your relationship with the Brokerage/Broker/Financial Planner.

45

Contact:T: +27(0) 12 348 1098

C: +27(0) 82 881 7971





SOFT SKILLSFinancial Planner Assistant Workshop

What is a Financial Planner Assistant?A manager may have a personal assistant to help with time and daily management, scheduling of meetings, correspondence, and note taking.

The role of a personal assistant can be varied, such as answering phone calls, taking notes scheduling meetings, etc.

In business or personal contexts, personal assistants are people who provide services that relieve his or her employer from tasks that are associated

with managing one’s personal and/or business life.

Skills Content:

A Financial Planner Assistant Responsibilities:Ensuring meetings are effectivly organised and minuted

Maintaining effective records and administration;

Upholding the legal requirements of governing documents, charity law, company law etc. (where relevant)

Communication and correspondence.

Job description;

Secretarial /assistant contract;

General ofce etiquette;

Communication skills;

The sales cycle:

Prospecting/data mining;

Selection;

Approach(Telephone/Direct/E-mail)

Closing on the phone to secure appointment;

Objections and dealing with it;

Preparing the les for the interview;

Proposal requirements (TCF, RDR, POPI, etc,);

Arranging medical appointments;

After Care.

Telephone etiquette;

Ofce administration;

Data base management;

Filing;

Managing of objectives (goals, time management, etc.)

Management of activities;

Preparing for presentation by broker, venues, etc.

(Skills & Legislation)Page 1 of 2

46



SOFT SKILLS

Financial Planner Assistant Workshop

Legislation Content:

(Skills & Legislation)Page 2 of 2

Purpose of Financial Advisory and Intermediary Services Act, 37 of 2002:

The purpose of the Financial Advisory and Intermediary Services Act, 37 of 2002;

The roles, responsibilities and requirements regarding representatives in terms of FAIS;

The Fit and Proper requirements that apply to representatives;

Distinguish between advice and intermediary services in terms of the FAIS Act;

Explain the record-keeping requirements;

Explain what is meant by “undesirable business practices”;

The role and powers of the Ombud (Sections 20 – 32);

FAIS Code of Conduct;

Safe custody of funds and money;

Describe the disclosure requirements;

Describe the concept of ethical conduct in the nancial services environment;

Explain the manner in which complaints are to be handled by the industry;

Custody of nancial products and funds;

Managing client complaints;

Risk management – Part IX of the Code;

Advertising – Part X of the Code;

Termination of agreement or business – Part XII of the Code;

Recordkeeping Activities;

The FSB's approach to implementing TCF.

The purpose of the Retail Distribution Review (RDR):

Implementation of RDR;

Types of Advisors post RDR;

Remuneration of the Advisor;

Equivalence of reward;

Consumer Awareness;

International Advisor Remuneration Models;

Scaling and surviving Twin Peaks;

Update on Advisory Category and Phase 1 proposals;

Protection of Personal Information Act:

Example policy document;

Implementation Checklist.

47

Contact:T: +27(0) 12 348 1098

C: +27(0) 82 881 7971





SOFT SKILLSPresentation Skill Workshops

Content:

Presentation skills are the skills you need in delivering effective and engaging presentations to a variety of audiences.

These skills cover a variety of areas such as the structure of your presentation, the design of your slides, the tone of your voice and

the body language you convey.

A presentation is a means of communication that can be adapted to various speaking situations, such as talking to a group, addressing a

meeting or brieng a team.

A presentation is the process of presenting a topic to an audience. It is typically a demonstration, lecture or speech meant to inform,

persuade, or build good will.

A presentation requires you to get a message across to the listeners and will often contain a persuasive element. To be effective, step by

step preparation and the method and means of presenting the information should be carefully considered.

What is Presentation Skills?

Determine an appropriate communication strategy;

Manage the presentation environment;

Use key delivery techniques;

Manage the audience dynamic;

Selecting the appropriate medium for the intended audience;

The impact of verbal and non-verbal communication and potential impact;

Adapting to the presentation environment to achieve maximum impact;

Anticipating possible obstacles and eventualities and how to overcome it;

Body Language and the various non-verbal responses by the audience;

How to structure questions in a way that will enhance credibility and claries information;

How to anticipate potential conict and how to manage it through positive communication.

Apply the concept of RANDS;

Apply the concept of HEIST;

Apply the concept of POINT;

48

Contact:T: +27(0) 12 348 1098

C: +27(0) 82 881 7971





SOFT SKILLSImpact Destiny Your

Content:

What will this workshop offer you?People rarely doubt that negative thinking hurts you. They have more difculty accepting that positive thinking helps. That's not to say that singing,

"I can y" and putting on wings, then jumping off a cliff is a good idea, but medical research has shown that there is a change in homoeostatic

activity according to a person’s attitude. You however have a responsibility to inuence the outcome of your destiny, by putting in place plans

and activities, which can direct your life and future to a better outcome. That is the purpose of this two-day workshop, to enable you to redirect

your future.

Unit 1: Vision and Strategy Implementation;

Unit 2: Goal Planning / Value Proposition;

Unit 3: Establish Performance Standards;

Unit 4: Design Action Plans;

Unit 5: Implement Action Plans;

Unit 6: Monitoring Systems;

Unit 7: Time and Activity Management (Time Management Proles);

Unit 8: Time and Activity Management (Principles of Time Management);

Unit 9: Time and Activity Management (Time efcient work plans);

Unit 10: Time and Activity Management (Implement time efcient work plans);

Unit 11: Monitoring achievements;

Unit 12: Review Action Plans.

49

Contact:T: +27(0) 12 348 1098

C: +27(0) 82 881 7971





SOFT SKILLS

Communication Skill Workshops

What is Communication Skills?Communication is the act of conveying intended meaning to another entity through the use of mutually understood signs and semiotic rules.

The basic steps of communication are the forming of communicative intent, message composition, message encoding, transmission of signal,

reception of signal, message decoding and nally interpretation of the message by the recipient.

Facts are more of a factor in business communication than emotions.Business communication is more formal and often more specic than personal communication.

Techniques that promote more effective communication include:

Understanding the perspective of the listener and using terminology with which they are conrmable.

Using metaphors to make concepts more accessible to the listener.

Using humor to lessen the potentially negative impact of difcult communications.

Asking for feedback to make sure the information was received as intended.

Content:Effective Communication:

Effective communication skills;

Communication Styles;

Approach (Telephone/Direct/E-mail)

Relate to the client;

Understand your client;

Group assessment of social styles;

Assessment of social styles as indicated by the group.

50

Contact:T: +27(0) 12 348 1098

C: +27(0) 82 881 7971





SOFT SKILLSTelemarketing Basics for Call Centres

What is Telemarketing Skills?

Goals for TelemarketingSelling a product;

Generating leads for a sales team;

Conducting surveys and collecting consumer data;

Maintaining contact with existing customers or encouraging previous customers to return.

Telemarketing is a marketing strategy that involves connecting with customers over the telephone or, more recently, through web-based video conferencing.

Telemarketing is one of the most divisive strategies in modern marketing because many organisations have been known to use irritating or unethical practices in telemarketing. While many methods of telemarketing are looked upon negative by consumers and lawmakers, the telemarketing eld is broad and includes several methods that are ethical and highly effective.

UNIT 1:Telemarketing Basics;

Reasons for losing sales;

Denition: TelemarketingUsing your voice over the phone to the best effect;

Voice self-assessment;

Tele Direct Standards

Advantages & Disadvantages of Telemarketing;Telemarketing Application;

Do’s & Don’t of Telemarketing;

The Sales Process.

Content:

UNIT 2:Preparation & Planning;

Organising your Workspace;

Get to Know your Client;Scenario Overview: Create New SIEBEL Contacts;

Buying Behaviour;

Buyer Behaviour Model;How to formulate a key benet;

Features, Advantages and Benets of Provider Products.

UNIT 3:Telemarketing Techniques;Developing Rapport;

Listening Skills;

Listening Skills Checklist;Questioning Skills;

Recognising and Responding to Buying Signals;Dealing with Objections;

How to Close the Sale;After Sales Service;Cross-Selling.

51

Contact:T: +27(0) 12 348 1098

C: +27(0) 82 881 7971





OUR ACADEMIC STAFF

National Certicate in Financial Planning: NQF 6.

PGDFP;Dip. Marketing Management;Dip. Sales Management;Dip. Small Business Management;Dip. Business Management.

Annelize Botha, CF P (Moderator & Assessor) PGDFP;

Diploma Marketing Managing.

Adrian Paul Havemann (Facilitator)

Andre Steyn, CF P (Facilitator)

Anita Haarhoff, CF P

Belinda Blignaut, CF P (Moderator, Assessor, External Examiner & Quality Assurer)

PGDFP;Bcom Marketing;NC Negotiating Conict;Asset Management & Investments (University Of Pretoria).

Elsabe King, CF P (Facilitator & Assessor)

PGDFP; B. Eccon; H.D.E.

Bennie Coetzee (Assessor, Facilitator & Moderator)

Diploma Of Management (Parker Institute Australia);B.Sc. Agric. (Animal Husbandry);B.Com. (Marketing Management).

Cliff Barnes, CF P (Moderator, Assessor & Facilitator)

PGDFP;

Dirk Baard, CF P (Facilitator & Moderator)

PGDFP; HED IV.

Elsie Pretorius, CF P (Moderator, Assessor & Facilitator)

PGDFP; BA; BD; BA(SS); SBL Management Development Program.

Freddie Eilers, CF P(Assessor & Facilitator)

PGDFP;LLB; Diploma Human Resources & Training; Advanced Diploma Human Resources & Training.

Hein Furstenburg(Moderator, OD-ETDP, External Examinator, Quality Assurer & Legal/Language)

APGDFP;PGDFP;Certicate in Advanced Taxation.

Hennie v.d Berg(Facilitator)

ACII; FCII; CI; Chartered Insurer and FIISA ( South Africa).

Herbert Chibika, CF P(Assessor & Facilitator)

Msc Finance & Investments; Bcom Insurance & Risk Management;

James Young, F I ISA(Assessor & Facilitator)

Bcom Honours Management Practice;FIISA.

PGDFP; APGDFP.

1.

2.

3.

4.

5.

6.

7.

8.

10.

11.

12.

13.

14.

15.

16.

Alta Odendaal, CF P (Facilitator , Consultant & Coach)

APGDFP;PGDFP; B.Sc.

9.

®

®

®

®

®

®

®

®

®

®

®

52

APGDFP;PGDFP; LLB;BA.

Johann Cloete, CF P (Moderator, Assessor, Facilitator, OD-ETDP & Quality Assurer)

PGDFP; BA; OD-ETDP.

17.®



OUR ACADEMIC STAFF

53

19.Lezelle Cronje (Assessor & Legal/Language)

BA Theology; OD-ETDP; National Certicate: Wealth Management: NQF5; FETC: Retail Insurance; FETC: Short-Term Insurance; FETC: Long-Term Insurance.

Mariette van Dyk, CF P (Moderators, Assessor, Facilitator & OD-ETDP)

PGDFP; Bcom Accountancy & Business Management.

Michael Thompson, MBA

MBA;FCII;FIISA; Diploma Business Management.

Johann Terblanche (Assessor & Legal/Language)

B.Proc; AFPI; Advanced Diploma Labour Law; Bcom, Postgraduate Diploma in Compliance Management.

20.

21.

18.

Nicky Eilers (Facilitator)

LLB;B Iuris Finance; LTCL; MCT;PGD Compliance Management;ATCL; Teaching Degree.

Patti Leask, CF P (Assessor, Moderator, OD-ETDP & External Examiner)

APGDFP; PGDFP; OD-ETDP; NLP Practitioner; Associate Certied Meta-Coach.

Sonja Dekker, CF P (Facilitator, Assessor, Moderator, OD-ETDP, External Examinator, Quality Assurer)

APGDFP; PGDFP; BA; H.D.E;BA (Honours) English.

Tanya van der Walt, CF P (Facilitator, Assessor, OD-ETDP & External Examinator)

APGDFP; BA Humanities; B. Ed Educational Psychology;N.H.E.D. Cert. in Financial Planning;Nat. Cert. Financial Planning.

Willie Snyman, CF P (Facilitator, Assessor, NLP Practitioner, Executive Coach & External Examinator)

APGDFP; BA Psychology; BD;Certicate Management Program;Certicate Higher Education.

22.

23.

25.

26.

27.

BTH; Higher Diploma in Insurance Management;Diploma in Insurance; National Engineering Diploma; Diploma in Theology;Higher Certicate in Insurance;FIISA.

Wynand Louw, F I ISA (Moderator, Assessor, Facilitator, External Examiner, Quality & Legal/Language)28.

PGDFP Postgraduate Diploma in Financial Planning: NQF Level 8

APGDFP Advanced Postgraduate Diploma in Financial Planning: NQF Level 8

HED Higher Education Diploma

OD-ETDP Occupational Directed-Education, Training, Development Practitioner

RE 5 Financial Services Board Regulatory Exams for Financial Planners

ETDP Education Training Development Practitioner (Curriculum Development)Key

:

®®

®

®

®

CFP Certied Financial Proffessional® ®

IISA Insurance Institute of South Africa

FIISA Fellow of the Insurance Institute of South Africa

(Assessor, Facilitator & Moderator)

Johan OosthuizenGallup Certied Strengths Coach24.



CONTACT US:

Integrity Academy (Pty) Ltd

Address:Ofce 111, First Floor, Domus Building,57 Kasteel Rd, Lynnwood Glen, Pretoria, 0081

Contact:T: +27(0) 12 348 1098C: +27(0) 82 881 7971


Maps: Directions:N1 to Atterbury Rd/M11 in Pretoria.

Turn left onto Lois Avenue.150m

At the roundabout, take the 2nd exit

onto Ingersol Rd

Go through 1 roundabout.500m

Turn right onto Kasteel Rd.

Destination will be on the left.60m

(Parking area can be accessed via Glenwood Rd)

Managing Director: Johann Cloete [email protected]

CFO: Justin Cloete [email protected]

Operational Manager: Lynessa Spies [email protected]

Contact Persons:

Accredited by INSETAReg. No 130248

54

Head South- East on Atterbury Rd.

2017 Prospectus -Integrity Academy

Documents

Transcript of 2017 Prospectus -Integrity Academy