Before you release even one rand of your client’s funds into the investment market, there are four dimensions, (let’s call them the 4D filter) that provide a good start to the process of turning your client’s investment goals into a tangible financial plan. Sherwin Govender, Business Development Manager at Glacier by Sanlam, explains that the filter helps to establish the client’s reasons for investing; how they should invest; the tax benefits of choosing one solution over another; the level of liquidity required; and the level of risk they could tolerate. Ultimately, this translates into the best solutions that are appropriate for them and propels them forward and closer to achieving their investment goals.