The record, in figures
The Wealth Pathway Review — five phases, one standard
Built on the audit principles of ISO 19011:2018, adapted for financial and operational risk rather than quality management. Each phase produces a dated deliverable your board can file.
Scoping
We fix the boundary of the review — entities, periods, and materiality threshold — in a signed scope document, typically within 3 working days of engagement.
Evidence Gathering
Structured interviews, ledger sampling and third-party confirmations, following the evidence-collection principles set out in ISO 19011 clause 6.4.
Risk Rating
Every finding is scored 1-5 against our weighted criteria model (see below) and mapped to a likelihood/impact matrix, not a traffic-light guess.
Remediation Plan
A prioritised, dated action plan with named owners — we do not hand over a findings list and walk away.
Verification Review
A follow-up review at 90 days confirms closure of each finding, with re-scoring evidenced in writing.
The same method, tuned per sector
Materiality thresholds, sampling depth and the weighting of our risk criteria shift by industry. Six sectors account for most of our current caseload.
The scoring model behind every rating we hand you
Five criteria, weighted, scored 1 (low risk) to 5 (severe), and rolled into a single composite score out of 100. Nothing on this list is scored by feel.
| Criterion | Weight | What it measures |
|---|---|---|
| Supplier concentration | 25% | Share of spend held by the largest single supplier, penalised above 30%. |
| Currency exposure | 20% | Proportion of payables/receivables in unhedged foreign currency. |
| Payment term volatility | 20% | Variance in supplier and customer terms over the trailing 12 months. |
| Regulatory exposure | 20% | Open compliance findings against FICA, FSCA, or sector-specific statute. |
| Liquidity buffer | 15% | Working capital cover expressed in days, benchmarked against sector median. |
Wealth Pathway vs. the usual alternatives
We are not a bookkeeping practice and not an internal hire — the table below is where clients usually land in the decision.
Standards we hold ourselves to
Every senior consultant on an engagement carries at least one of the following.
SAICA Registered Chartered Accountants
Guarantees engagement leads meet South African Institute of Chartered Accountants continuing-education and ethics requirements.
FPI Certified Financial Planner (CFP)
Guarantees advisory work involving personal or director wealth structuring meets Financial Planning Institute standards.
ISO 19011 Lead Auditor Training
Guarantees the review methodology itself — not just the outputs — is audited against a recognised international standard.
FSCA Licensed Financial Services Provider
Guarantees any regulated advice given falls under active Financial Sector Conduct Authority authorisation, FSP 48213.
IRBA Registered Auditors on Panel
Guarantees statutory audit components are signed off by practitioners registered with the Independent Regulatory Board for Auditors.
CFA Institute Affiliate Membership
Guarantees capital-allocation and valuation work is benchmarked against Chartered Financial Analyst body of knowledge.
From first call to signed-off action plan
Discovery Call
30 minutes, no charge — we confirm whether your situation fits our scope before either side commits.
Scoped Proposal
A fixed-fee proposal naming entities, period, and the specific criteria we'll weight for your sector.
The Review
Evidence gathering, scoring, and drafting of the remediation plan runs concurrently with weekly check-ins.
Sign-Off & Verification
Findings presented to your leadership, action plan agreed, and a 90-day verification review booked before we leave.
Frequently asked questions
Your accountant likely handles compliance and reporting. We run a scoped, time-boxed risk review with a named methodology and a numeric output — the two roles usually sit alongside each other, not in competition.
Fixed-fee, quoted after the scoping call once we know entity count and review period. Most SME engagements land between R85,000 and R240,000 for the full five-phase review.
Yes — roughly 40% of our current caseload is Gauteng and KwaZulu-Natal based, delivered through a mix of on-site and remote evidence gathering.
It's the international standard for auditing management systems. We've adapted its evidence-collection and reporting principles to financial risk review, which is why our findings are structured and reproducible rather than narrative-only.
Most engagements do exactly that — our review runs parallel to your team's normal reporting cycle and hands findings directly to your CFO or FD, not around them.
It stays open on the record, re-scored, with a revised remediation timeline. We don't close findings that haven't actually closed.
Where advice touches regulated activity, it's delivered under our FSCA licence (FSP 48213) by an FPI-certified planner — clearly separated in our proposal from unregulated advisory work.
Get a scored view of your financial risk, not a guess
Book a no-charge 30-minute discovery call. If your situation doesn't fit our scope, we'll tell you within that call — and point you to who might help instead.