Welcome To pfire
Now What? Navigating an Uncertain World with Confidence
If you have been following the news recently, you would be forgiven for feeling a little uneasy.
Wars in various parts of the world, ongoing geopolitical tensions, economic uncertainty, changing governments, inflation concerns and volatile investment markets can make it seem as though the world is becoming increasingly unpredictable.
Many clients have understandably asked us the same question:
"What does all of this mean for me and what should I be doing?"
The short answer is: probably less than you think.
While world events often create short-term uncertainty, history has consistently shown that economies adapt, businesses evolve and investment markets eventually move forward. Every generation has experienced its own crises, whether wars, recessions, political upheaval, pandemics or financial crashes. Yet over time, people continue to work, businesses continue to trade and long-term investors continue to be rewarded for patience and discipline.
For most individuals and families, the focus should remain on the things that can actually be controlled:
- Maintaining an emergency fund;
- Managing debt responsibly;
- Protecting income and assets;
- Continuing to invest regularly;
- Avoiding emotional investment decisions;
- Ensuring wills and estate plans remain up to date;
- Continuing to build long-term wealth rather than reacting to short-term headlines.
From an employment perspective, uncertainty can sometimes place pressure on businesses and industries. This is why financial resilience is so important. Having savings, appropriate insurance and a sensible financial plan in place can make a significant difference should circumstances change unexpectedly.
From an investment perspective, volatility is a normal part of investing. Markets do not move in straight lines. Periods of uncertainty often create short-term declines, but they can also create opportunities for disciplined long-term investors. Trying to predict the next market move is extremely difficult. Remaining invested according to a well-considered strategy is often the most effective approach.
The reality is that whilst the world may feel uncertain, your financial goals remain unchanged:
- Providing for your family;
- Building wealth;
- Preparing for retirement;
- Protecting what you have worked hard to build;
- Creating financial security and peace of mind.
At pfire, we continue to monitor developments both locally and internationally and will keep you informed where necessary. More importantly, we remain focused on helping you make sound decisions based on your personal circumstances rather than reacting to daily headlines.
If current events have raised any concerns regarding your investments, retirement planning, estate planning or broader financial position, please do not hesitate to contact us.
Sometimes the greatest value of a financial plan is not what it does during calm times, but the confidence it provides during uncertain ones.
Stay informed, stay disciplined and stay focused on the long term.
The contents of this article are sourced from third parties.There is no warranty of any kind, expressed or implied, regarding the information or any aspect of this article. We shall not be responsible for and disclaim liability for any loss, damage (whether direct or consequential) or expense of any nature whatsoever, which may be suffered as a result of, or attributable to, the use or reliance upon the information provided in this newsletter
Investment Update: Managing Through Global Uncertainty 30/3/2026
WELCOME TO IN TOUCH
"IN TOUCH" ENHANCED - WE'VE DONE WHAT YOU HAVE ASKED
Contact Details
| company: | pfire |
| address: | 21 Alexander Drive Winston Park |
| tel: | +27 31 7644 042 |
| fax: | +27 86 529 6089 |
| website: | https://pfire.co.za |
| FSP Number: | 30256 |
People
Company Profile
PFIRE
OUR VALUE PROPOSITION
To provide you, our client, with the opportunity to access and leverage innovative and collaborative professional and ethical advice and administrative services, (financial, personal and/or business) which will serve to facilitate, enhance and improve the opportunities for you to reach your personal or business goals.
In so doing we seek to ensure a long term mutually beneficial and sustainable relationship based upon trust, transparency and mutual benefit over generations.
WHO ARE WE?
Mike Lombard Financial Services cc t/a Pfire is a registered independent Financial Services Provider (FSP 30256) founded in 2007 by Mike Lombard. It is a fee based practice offering a range of bundled services to individuals and businesses.
OUR PHILOSOPHY
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Holistic
An individual’s financial and business planning needs are interconnected and each part impacts in some way on to whole. This includes technical and regulatory information and expertise, emotional issues as well as logical matters that are considered as critical to outcomes.
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Design
Together with our clients, we solve problems and co-design solutions by asking three simple questions:-
- Where are you now
- Where do you want to be?
- How do you get there?
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Ethics
We hold ourselves to the highest ethical and professional standards through our accreditation with the Financial Planning Institute of South.
CO-DESIGN
No one knows their personal and private circumstances better than our clients themselves. That is why we understand that planning in any form is very personal and emotional. Technical solutions count for little if problems are not identified and solved together. Co-designing solutions is at the core of planning offered by Pfire and requires an intimate partnership where trust, transparency and empathy are pivotal.
The beauty of collaboration is that it combines knowledge and wisdom offering better opportunities to embrace outcomes
A PROFESSIONAL PRACTICE
At the heart of Pfire is a Fee Based Practice. Since 2007, before Fees became vogue, Pfire established a bundle of professional services designed to meet a wide range of service expectations at given monthly fees - a retainer if you will. From as little as R 29pm (plus Vat) clients can access professionally advice and services.
We offer pro bono services to those in need as well as raise funds for our selected charities on an ongoing basis.
OVERVIEW OF SERVICES
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Advisory Services
We have FIVE FEE BASED Bundled Service options available to suit the needs of our personal and entrepreneurial clients. Our Fees are based upon monthly retainers in return for which the basket of services are available 24 hours a day.
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Product Administration Services
As an independent practice, we have access to a range of financial products which can be purchased by our clients. These products are designed – at present – to pay a commission in return for our servicing, maintaining and managing the product on your behalf.
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Business Services
Our business services includes Entrepreneurial Development Programs, a full directory of business planning opportunities, Training, Mentorships and Collaborative Programs. These Fee based services are open to entrepreneurs starting out to business in growth or mature phases.
IN TOUCH - BE CONNECTED!
Our secure ON-LINE private portal for you…..
We have invested in aligning our organisation with our clients. Our web based “In Touch” platform enables our clients to activate their advisor 24 hours a day. Every record of every conversation, document shared or signed, emails sent or received is neatly filed recorded in your OWN personal space. At a click of your mouse we offer a transparent process that enables you to partner with us and together we accept joint responsibility for your outcomes.
And there’s more ….
Our In Touch secure and private portal also gives you access to a range of convenient and simple financial tools, the ability to draft your own simple Will, a FREE On-Line storage facility for all your private documents and so much more.
Being a registered active participant on this client centered platform will ensure that we are permanently connected enabling us to proactively serve you better, faster and accurately.
Whether you are looking for advice in Personal Finance, Risk and protection planning, Investments, Retirement, Health taxes or Estate Planning, we have options for you.
One last thing …. then meet the team!
Financial and Business planning is not an event. It is a process that evolves over a period of time.
This means that relationships are paramount to a successful collaboration and taking long term views and measuring outcomes frequently and consistently is essential.
Doing business with Pfire requires a commitment based upon mutual respect and trust – things which are not taken for granted.
MEET THE TEAM
Mike Lombard Key Individual
Mike began his career in 1981 with the Stanbic Group. Mike has various undergraduate and post graduate qualifications, is a CERTIFIED FINANCIAL PLANNNER ® and holds an International Action Learning Master of Business Administration from the Business School Netherlands. . He is a stakeholder in businesses including a technology company (Pfirestorm) and an entrepreneurs training organisation (PfireExplore). Between 1981 and 2007, Mike worked in retail, commercial and Private banking. In 1994, Mike attended and Overseas development program which included study at Manchester Business School and Templeton College (Oxford). Mike was a founding member of Pfire (2007), a licensed Financial Services Provider. The practice provides a full and comprehensive range of services and his specialities include Fiduciary Services advice, business consulting services and Business technology solutions although he also provides holistic advice on all areas of personal and business planning both locally and abroad. Mike is married with two children.
Cindy Buxton Senior Personal Assistant
Cindy has worked as a Secretary / Personal Assistant for various Companies including Liberty Life and Discovery since 2002. Cindy oversees all the administrative and support functions within Pfire and is also the internal Compliance Officer. Cindy is the go to person for both the consultants as well as for many clients who seek her support and experience in dealing with a wide range of support and administrative services. Cindy is married with one daughter and enjoys baking in her limited spare time.
Daphne Lombard Account Management and Social engagement
Daphne has been with Pfire since its inception and has experience in a wide range of administrative and support services. Currently Daphne attends to the organisations internal accounting and the management client accounts. In addition Daphne is responsible for engaging with various charitable institutions and organises various fun raising events.