1. Gemstone Wealth BlueStar
Financial Advisory & Short Term Insurance Service
We deliver a consistent, professional service that is valued by our clients and tailor-made to
suit your personal requirements.
Consistent, professional
service
We want to create a personal and warm experience with
every interaction, so that you can enjoy the trust and peace of
mind knowing that all your financial affairs are well planned, in
order and properly managed.
Valued by clients We want to be your financial partner and exceed your
expectations.
Tailor-made
By taking your specific personal financial needs and goals into
consideration, we will present you with a plan that will suit
your unique requirements.
We are committed to develop and maintain long-term client
relationships. Our objective is to ensure our clients’ financial
wellbeing and peace of mind and we follow a rigorous, fully
compliant and transparent process in the best interests of our
clients.
Client experience
We are driven by solutions to your financial needs. We have a consistent history of success, which
has been achieved through our knowledge of markets, products and companies. But it is our
unyielding belief in a personal, caring and committed relationship with our clients that has been key
to our true success. Our business is driven by client-centric values:
Professionalism
 We are registered as representatives of Sanlam (a licensed financial services provider), on
whose behalf we provide:
o Sound financial advice on financial products related to long-term insurance and similar
investments
o Intermediary services related to the products indicated below.
Transparency
You will always be aware of all relevant information about the product, benefits and costs of our
solutions and how these fit in with your financial plan. Nothing is hidden.
Long-term relationship
We want to support you on your financial journey to wealth creation and protection. We are there for
you, every step of the way.

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Loyalty
We always put your needs first and pride ourselves on providing sound financial advice and
intermediary services.
Fair business practice
All our business is conducted in an ethical manner, according to the law and industry regulation. You
can rest assured that we will do our utmost to protect your interests.
A dedicated team focused on your needs
We are a professional and dedicated team in financial services. We are equipped with the necessary
insight to address all your financial needs and to present sustainable solutions tailored to your
personal needs. With us you do business with a TEAM and not an individual, and you can rest
assured that your affairs will always be looked after.
Facilities dedicated to provide you with one-stop convenience
Our offices are located at Sanlam Head Office. Our premises is equipped with state-of-the-art
facilities offering you ease of access and service convenience.
We offer you an exceptional service and analysis process
As one of our valued clients, we commit to working with you to determine areas for development
within your financial situation and to implement a number of practical initiatives to drive your finances
successfully into the future.
OUR SERVICE OFFER
As one of our valued clients, we commit to working with you to determine areas for development
within your financial situation and to implement a number of practical initiatives to drive your finances
successfully into the future.
This process, our Service Guarantee, symbolises our commitment to you personally – to ensure that
your financial plan will be pursued proactively and implemented as required
THE PLANNING PROCESS
The process that we apply when dealing with clients can be broken down into six basic steps:
1. Initial Contact
 Our office will arrange a time for an
interview with you.
2. Fact Finding
 During the interview we will get to know
each other, answer your questions and
collect all relevant data to prepare your
plan. This will include your personal and
professional goals and objectives.
3. Data Analysis
 Based on the data collected, we will
identify all the issues relevant to your
financial needs. We will assess and

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analyse each issue to formulate strategies to achieve your present needs and review all
available options in order to attain your future dreams.
4. Recommendation
 We will present our findings including and analysis of your current financial position,
 and an analysis of your needs and goals. We will provide product recommendations to help
to provide for your stated needs and goals and cover compliance related matters. Included
will be details on future reviews and ongoing monitoring.
5. Implementation
 We will provide you with a personalised, written presentation which will explain the different
aspects of our recommendations. We will ensure that you are comfortable with the
recommendations and get your consent to proceed with implementation.
 We will assist you to complete all the necessary paperwork, and lodge the applications to the
relevant product providers. You will be kept updated with the progress of all applications.
6. Review
 We will be in regular contact with you following the implementation of your plan to ensure it is
staying on track and that any changed circumstances in your life have been catered for.
Our clients partner with us
Our clients have a vested interest in achieving financial security and know the importance of financial
freedom. Our clients include:
Business Owners
Professionals
Families, and
Individuals
Our clients are willing to seek and listen to sound financial advice. They value a professional,
solution-driven service. They require personal attention. In short, they are looking for a partner to
meet their financial planning needs.
Mario Rainho
Senior Financial Advisor
Gemstone Wealth BlueStar
T +27 21 947 2454 F +27 86 675 3268 C +27 82 773 9979
m.rainho@sanlam4u.co.za
2 Strand Street, Bellville, Cape Town, 7530 | PO Box 888, Sanlamhof, 7532, South Africa

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We offer a complete range of products and services
Assurance
 Personal Assurance
 Life Assurance
 Trauma/Disability Assurance
 Income Replacement Assurance
 Term Assurance
 Bond Assurance
 Business Assurance
 Buy & Sell Assurance
 Keyperson Assurance
 Surety Protector
Short-term Insurance in association with
specialists
 Personal Lines
 Household
 Vehicle
 Property
 Commercial Lines
 Business Interruption
 Marine Insurance
 Emergency Transport
Retirement Planning
 Retirement Annuities
 Provident Funds
 Pension Funds
 Linked Life Annuities
Investment Planning
 Education Planning
 Bank Deposits
 Medium-term Savings
 Collective Investments
 Money Market Investments
 Stock Exchange-linked Products
We also have access to specialists who can assist with:
 Estate Planning
 Family Trusts
 Investment Trusts
 Tax Advice (referral)
 Medical Insurance / Schemes (referral)