Independent Flat-fee Wealth Advice
in Cape Town
No Commissions. No Conflicts.

Private wealth advice for families and entrepreneurs across South Africa.
We’re in the business of improving lives.

Garrioch & Ellse provides independent, flat-fee wealth advice for clients with complex financial lives.
Our advice is commission-free, conflict-free, and focused on your family, your business interests,
and your long-term financial prosperity.

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What Our Clients Say About Us

  • “Just over a year ago (in 2021), I was introduced to David and Brandon. They came to my home to meet with me to discuss my investments.

    From the moment I met both David and Brandon I have felt that I was in safe hands. Their interest and attention to all details pertaining to my circumstances and my needs have been what has governed how they have structured my finances. They have such a holistic approach to investments, first getting to know me, the client, and then seeing to it that my money is invested accordingly. David and Brandon have tailor made a financial plan where my needs and my family's needs have been at the forefront of all financial decisions. They have taken time and given me such sound advice so far.

    Thank you to both David and Brandon for everything.”

    Maria

  • “For the past couple of years, I have been working very closely with David Garrioch and his team on the financial planning of both my business and our family affairs. The passion, honesty, focus and foresight that David has put into our planning has been second to none and we are forever grateful for the excellent work done to date. I highly recommend David and his excellent team to anyone looking at taking their financial planning and futures to the next level.

    I have no doubt that G&E will continue to grow and thrive for many years to come.”

    Shaun

  • “As a retired couple, we are extremely grateful to David Garrioch and the G&E team for giving us peace of mind. We know our finances are in safe hands and that our future is well taken care of. Ever since dealing with David, we have relaxed and any questions we need answered are immediately dealt with. We would recommend G&E to anyone interested in investing. Thank you so much to the team.”

    Jenny and Doug

  • “I struggled for years with ‘brokers’ (financial advisers) whose explanations and ‘advice’ were as clear as mud. If I heard from them once every three years, it was a lot. Now at last I feel secure with G&E. As a ‘senior’ pensioner, they treat me with professionalism, endless patience, and courtesy. They keep me regularly informed and give me a huge sense of financial stability. I’d recommend them without hesitation.”

    Irene

  • “I have been using G&E from their inception to manage my finances. I have found them to be professional, timeous, and caring. They are exceptionally patient in dealing with all the matters pertaining to me; be it investments, tax, financial advice, or health insurance. It has given me immense peace of mind that my financial issues are secure and that my progress is monitored so thoughtfully. I am kept up to date with everything. I absolutely recommend their services.”

    Bev

Independent Wealth Advice for Complex Financial Lives

Garrioch & Ellse works with families and entrepreneurs who need more than product recommendations or one-off financial advice.

We help clients bring structure, clarity, and long-term thinking to important financial decisions, from investment strategy and retirement planning to family wealth, business interests, tax considerations, and estate and legacy planning.

Our role is to help you make better decisions with your wealth, without product commissions influencing the advice you receive.

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A Flat-Fee Advice Model Designed
to Eliminate Conflicts of Interest

Many financial advice models are linked to product commissions or assets under management commissions. At Garrioch & Ellse, our flat-fee approach is designed to keep advice independent, transparent,
and aligned with your interests.

We do not earn commissions from financial products. This allows us to focus on what matters most:
your family, your goals, your business interests, and your long-term financial prosperity.

For clients with complex financial lives, this means advice that is structured around the decisions you need
to make, not the products you could be sold.