We don't audit your past or tick compliance boxes. We sit in the room where the hard calls get made — and we bring the tools, the thinking, and the experience to get them right.
Most advisory firms & partners live in one lane. We span four — and it's the overlap that creates the advantage. An actuarial mind applied to a legal problem. A technologist's instinct brought to a financial structure. We were exploring Big Data and AI decades before they were buzzwords. Over twenty-five years in the trenches building businesses, not just advising them.
Our value emerges where these domains collide — in the space between the spreadsheet, the legal contract and the boardroom.
We apply actuarial rigour to the decisions that confront all businesses — product design, pricing strategy, risk appetite, capital allocation. Not statutory valuations or audit sign-offs, but the quantitative thinking that drives real commercial outcomes.
Financial structuring, buy/sell investment analysis, strategic modelling for businesses and transactions. We work across property development feasibilities, private equity structures, tax-efficient deal design, and multi-entity portfolio optimisation amongst other things.
We are not lawyers — but we have found a powerful niche converting the required business structures into the necessary legal structures without fanfare. We are especially well-placed to enhance complex commercial agreements with calculation clauses, formulas in contracts, and settlement mechanics, where precision is needed to ward off ambiguity.
We were working with large-scale data and machine learning long before "Big Data" and "AI" became boardroom vocabulary. Twenty-five years of software development experience — not as a consultant pointing at slides, but as someone who builds. We advise on technology strategy, system architecture, and implementation, and we write the code ourselves when the problem demands it.
Deep operational exposure — not from advisory mandates, but from building and running businesses in each sector.
Chief Actuary at MiWay from inception to scale business. Non-executive director of Discovery Insure for over a decade. Product design, pricing, claims, and capital.
Development feasibility, transaction structuring, conveyancing, sectional title, and multi-entity portfolio management.
Hotel management, operating structures, F&B operations, and hospitality brand development.
Rental fleet economics, asset lifecycle modelling, lease structuring, and logistics-integrated rental operations.
Store-level economics, franchise structures, lease negotiations, and retail operating model design.
We manage a portfolio of circa 50 companies across property, hospitality, logistics, security, technology, retail and services. Every recommendation we make is grounded in our experience of running live businesses — not theory.
The most valuable solutions live at the boundaries. We move fluently between actuarial, financial, legal and technical thinking — and that's where the breakthroughs happen.
We care about the formula in the contract, the edge case in the model, the architectural decision that compounds. Our expertise can be applied at the level of detail needed to create lasting value.
Sam is a qualified actuary and entrepreneur with more than twenty-five years working experience — spanning insurance, property, hotels, restaurants, technology, logistics, security, retail and manufacturing.
He was a founder and EXCO member of MiWay Insurance, where he spent seven years as Chief Actuary — building the actuarial function, pricing models, and product architecture for one of South Africa's most successful short-term insurance start-ups. He has now served in a non-executive capacity at Discovery Insure for more than a decade.
Today, Sam is a director of Yieldex, where he applies an unusually broad skill set — spanning finance, structuring, accounting, tax, legal, and technology — across a portfolio of approximately fifty companies in business incubation, development and management.
Whether it's a complex deal, product thinking, a legal quagmire, a technology decision, or a problem that doesn't fit neatly into one category — that's where we do our best work.