Klaritekt= building clarityfor investment and wealth firms
The whole firm, in one place.
Bespoke workflow-integration platform for investment and wealth firms, bringing portfolio information, compliance work, documents and daily tasks into one working environment. Klaritekt also facilitates team training on the platform.
The platform
A Monday morning on the platform.
Good morning
Monday 9 November
Needs attention
- Annual attestation due 30 NovRegulations1
- Mandates outside toleranceRebalance3
- Provider review overdueMonitor1
- Tasks on your deskTasks3
Portfolio ViewR 4.82 bn
Reporting3 in draft
Library5 due soon
Meetings2 today
Your tools
- Portfolio View
- Rebalance
- Regulations
- Policies
- Monitor
- Reporting
- Tasks
- Library
Assets under administrationR 4.82 bn
Clients1 264
Mandates214
Providers14
Tasks on your desk3
Reports in draft3
Articles due soon5
Meetings today2
Signals
- 3 mandates outside toleranceRebalance
- 1 provider review overdueMonitor
- 2 compliance deadlines due soonRegulations
- 2 articles overdue for reviewLibrary
Regulations
Registers, deadlines, CPD and attestations.
Overdue deadlines0
Due soon2
CPD shortfalls0
Attestations outstanding10
Next deadlines
- Annual attestationDue 30 NovAttested todayAttest
- Complaints register reviewDue 12 Dec
- Licence returnDue 31 Jan
| Act or code | Regulator | Example obligations | Status |
|---|---|---|---|
| FAIS Act and codes | FSCA | 41 | Mapped |
| FICA | FIC | 18 | Mapped |
| POPIA | Information Regulator | 12 | Mapped |
| Date | Deadline | Owner |
|---|---|---|
| 30 Nov | Annual attestation | All staff |
| 12 Dec | Complaints register review | AK |
| 31 Jan | Licence return | BL |
Checks this quarter12
Passed11
With findings1
| Latest checks | Date | Result |
|---|---|---|
| Complaints handling | 20 Oct | 1 finding |
| Advice record sampling | 3 Nov | Passed |
| Conflicts register | 27 Oct | Passed |
| Person 3 of 9 | Hours required | Hours logged | Status |
|---|---|---|---|
| AK | 18 | 18 | Complete |
| BL | 18 | 16 | On track |
| TM | 18 | 14.5 | On track |
| Register | Entries | Last entry |
|---|---|---|
| Complaints | 4 | 21 Oct |
| Conflicts of interest | 9 | 2 Nov |
| Gifts | 6 | 14 Oct |
| Attestation | Due | Completed |
|---|---|---|
| Annual fit and proper | 30 Nov | 8 of 99 of 9 |
| Code of conduct | 31 Mar | 9 of 9 |
| Personal account dealing | 30 Jun | 9 of 9 |
Attestations to make10
CPD hours this cycle14.5 of 18
Policies to acknowledge1
Rebalance
Model portfolios: targets, drift and proposals.
Models6
Mandates214
Outside tolerance3
Trades proposed06
| Model 3 of 6 | Risk profile | Mandates | Outside tolerance |
|---|---|---|---|
| Balanced | Medium | 74 | 2 |
| Growth | High | 52 | 1 |
| Cautious | Low | 31 | 0 |
| Proposal | Trades | Status |
|---|---|---|
| November rebalance | 6 | Draft, for review |
| October rebalance | 18 | Executed 14 Oct |
| September rebalance | 11 | Executed 15 Sep |
Monitor
Provider and manager due diligence.
Providers14
Under review or worse21
Open findings3
Reviews overdue10
| Provider | Kind | Rating | Last reviewed | Next review |
|---|---|---|---|---|
| Manager A | Asset manager | A | 12 Aug | Feb 2027 |
| Platform B | Investment platform | B+ | 3 Sep | Mar 2027 |
| Manager C | Asset manager | Under reviewB | OverdueToday | Complete reviewMay 2027 |
| Review | Provider | Due | Status |
|---|---|---|---|
| Due diligence review | Manager C | OverdueDone today | In progressComplete |
| Due diligence review | Manager A | Feb 2027 | Scheduled |
| Platform review | Platform B | Mar 2027 | Scheduled |
| Open finding | Provider | Raised | Severity |
|---|---|---|---|
| Key-person change not notified | Manager C | 12 Oct | Medium |
| Late monthly statements | Platform B | 3 Sep | Low |
| Mandate limit wording | Manager C | 12 Oct | Low |
Tasks
Recurring work, owners and deadlines.
On your desk32
Due today10
Overdue0
| Task | Status | Due | |
|---|---|---|---|
| Client reviews, fourth quarter | In progressDone | Today | |
| Investment committee minutes | Not started | 14 Nov | |
| Quarterly fee run | Not started | 28 Nov |
Not started2
In progress10
Done this week78
| On your desk | Owner | Status |
|---|---|---|
| Client reviews, fourth quarter | TM | In progressDone |
Open2322
Due this week65
Overdue0
| Task 3 of 23 | Owner | Due |
|---|---|---|
| Client reviews, fourth quarter | TM | TodayDone |
| Month-end fee reconciliation | DN | 13 Nov |
| Board pack | AK | 20 Nov |
| Person 3 of 9 | Open | Due this week | Overdue |
|---|---|---|---|
| AK | 5 | 2 | 0 |
| BL | 4 | 1 | 0 |
| TM | 32 | 21 | 0 |
Portfolio View
Holdings, transactions and the client register.
Assets under administrationR 4.82 bn
Clients1 264
Accounts3 108
Manager › Class › ProductAdviser › Manager › WrapperClass › Manager
- Manager AEquity34.0%52.5%R 1 638.8 mR 2 530.5 m
- Manager BBonds27.5%21.7%R 1 325.5 mR 1 045.9 m
- Manager CCash21.3%16.2%R 1 026.7 mR 780.8 m
- Manager DProperty17.2%9.6%R 829.0 mR 462.7 m
| Largest holdings | Class | Value | Share |
|---|---|---|---|
| Fund A | Equity | R 612.4 m | 12.7% |
| Fund B | Bonds | R 498.1 m | 10.3% |
| Fund C | Equity | R 455.0 m | 9.4% |
Inflows, quarter to dateR 86.4 m
OutflowsR 51.9 m
Net flowR 34.5 m
| Latest activity | Account | Amount |
|---|---|---|
| Contribution | Account 2207 | R 1.20 m |
| Withdrawal | Account 0931 | R 0.45 m |
| Switch | Account 1584 | R 2.75 m |
| Adviser | Clients | Assets | Revenue, year to date |
|---|---|---|---|
| AK | 412 | R 1.71 bn | R 9.4 m |
| BL | 388 | R 1.52 bn | R 8.1 m |
| CM | 464 | R 1.59 bn | R 8.6 m |
Charting & Analysis
Charts, comparisons and peer views.
Fund APeer averageFund B+ Add1Y3Y5Y10Y
160130100
Nov 2021Monthly, rebased to 100Nov 2026
| Instrument | Return p.a. | Volatility | Max drawdown |
|---|---|---|---|
| Fund A | 9.8% | 11.4% | −14.6% |
| Peer average | 7.9% | 8.9% | −8.7% |
| Fund B | 8.4% | 9.0% | −10.1% |
Financial Planning
Tax and retirement planning for one client scenario.
| Scenario | Value |
|---|---|
| Income before deductions | R 1 150 000 |
| Retirement contribution | R 120 000R 180 000 + |
| Personal income tax, 2026/27 | Amount |
|---|---|
| Deduction allowed | R 120 000R 180 000 |
| Taxable income | R 1 030 000R 970 000 |
| Extra tax saved, against R 120 000 | –R 24 600 |
Capital todayR 2.40 m
Years to retirement22
Projected capital, today’s moneyR 10.7 mR 12.9 m
| Assumption | Value |
|---|---|
| Contribution at each year end | R 120 000R 180 000 |
| Real return, a year, after fees | 4.5% |
| Growth of capital held today | R 6.32 m |
Policies
Every policy as a numbered book, cross-referenced.
Jump to a book…
| Book | Policies | Status | Acknowledged |
|---|---|---|---|
| 1 · Governance | 12 | Approved | |
| 2 · Conflicts of interest | 7 | Approved | |
| 3 · Complaints | 5 | Updated 2 Nov | Acknowledge |
| 4 · Risk management | 9 | Approved |
| Policy | Owner | Approved | Next review |
|---|---|---|---|
| Conflicts of interest policy | AK | 4 Mar | Mar 2027 |
| Complaints procedure | BL | 2 Nov | Nov 2027 |
| Risk management framework | CM | 18 Jun | Jun 2027 |
| Example obligation | Source | Book | Control |
|---|---|---|---|
| Keep a complaints register | FAIS codes | 3 · Complaints | Monthly review |
| Disclose conflicts of interest | FAIS codes | 2 · Conflicts of interest | Annual declaration |
| Verify a client’s identity | FICA | 1 · Governance | Onboarding check |
| Book | Advisers | Operations | Compliance |
|---|---|---|---|
| 1 · Governance | Applies | Applies | Applies |
| 2 · Conflicts of interest | Applies | –Does not apply | Applies |
| 3 · Complaints | Applies | Applies | Applies |
| Book | Acknowledged | Outstanding |
|---|---|---|
| 1 · Governance | 9 of 9 | 0 |
| 2 · Conflicts of interest | 9 of 9 | 0 |
| 3 · Complaints | 8 of 99 of 9 | 10 |
Registers
The firm-wide risk register: hazards, controls and reviews.
Likelihood × impact
| Risk | Category | Residual | Next review |
|---|---|---|---|
| Key-person dependency | People | High | Record reviewMay 2027 |
| Data loss at a provider | Technology | Medium | Feb 2027 |
| Mandate breach | Investment | Low | Mar 2027 |
| Latest incidents | Category | Date | Status |
|---|---|---|---|
| Trade placed on the wrong account | Operations | 21 Oct | Closed |
| Statement sent to an old address | Client data | 6 Oct | Closed |
| Near-miss: duplicate payment | Finance | 29 Sep | Closed |
Risks24
Reviewed this cycle2122
Due for review32
| Due next | Owner | When |
|---|---|---|
| Key-person dependency | AK | NowMay 2027 |
| Data loss at a provider | CM | Feb 2027 |
Reporting
Word and PowerPoint documents, built from your own data.
Draft with AITemplatesSaveBuildDownload PDF
Pages
- Holdings
- Performance
- Commentary
Quarterly report · Q3
| Slide | Content | Drawn from |
|---|---|---|
| 1 | Title: quarterly review, Q3 | Brand template |
| 2 | Performance against the peer average | Charting & Analysis |
| 3 | Holdings by asset class | Portfolio View |
Brand
Logos, fonts, colour and templates, with the rules attached.
Lockup for this ground
Light groundDark ground
Use the full-colour lockup. It reads on a light ground.Use the reversed lockup. Only it holds on a dark ground.
| Colour | Value | Job |
|---|---|---|
| Ink | #1B1D21 | Text and rules |
| Paper | #F6F4EF | The page |
| Rule | Applies to |
|---|---|
| Clear space equals the height of the mark | Logo |
| Never stretch, recolour or outline | Logo |
| Headings in the brand typeface only | Type |
| Asset | Owner | Approved | Next review |
|---|---|---|---|
| Logo set | AK | 12 Jan | Jan 2027 |
| Report template | BL | 3 Feb | Feb 2027 |
| Presentation template | BL | 3 Feb | Feb 2027 |
| Asset | Used in | Documents |
|---|---|---|
| Full-colour lockup | Reports and letters | 143 |
| Report template | Quarterly reports | 36 |
| Reversed lockup | Presentations | 18 |
Meetings
Meetings, agendas, apologies and office attendance.
Mon 9 NovGoIn the office
In office
AKBLCMTM
Working from home
DNEP
Out
FR
On leave
GS
Offline
TMHV
| Today | Time | Room |
|---|---|---|
| Investment committee | 10:00 | Boardroom |
| Client review | 14:30 | Meeting room 2 |
| Day | Meetings | First |
|---|---|---|
| Mon 9 Nov | 2 | 10:00 |
| Tue 10 Nov | 1 | 09:00 |
| Wed 11 Nov | 3 | 08:30 |
| Person | From | To | Status |
|---|---|---|---|
| GS | 9 Nov | 13 Nov | Approved |
| EP | 23 Nov | 27 Nov | Approved |
| DN | 18 Dec | 5 Jan | Requested |
| Meeting | When | Room |
|---|---|---|
| Investment committee | Today, 10:00 | Boardroom |
| Client review | Today, 14:30 | Meeting room 2 |
| Compliance committee | Thu, 09:00 | Boardroom |
Investment committee · 10:00
- 1 · Minutes of the last meetingRecord
- 2 · Mandates outside toleranceRebalance
- 3 · Provider review: Manager CMonitor
| Meeting | Apology | Reason |
|---|---|---|
| Investment committee | GS | On leave |
| Client review | FR | Out of office |
| Meeting | Date | Minutes |
|---|---|---|
| Investment committee | 12 Oct | Approved |
| Compliance committee | 8 Oct | Approved |
| Investment committee | 14 Sep | Approved |
Library
How this firm does what it does.
Total articles86
Confirmed7980
Due soon5
Overdue21
| Title | Section | Owner | Status |
|---|---|---|---|
| Opening a client account | Operations | BL | Confirmed |
| Running the month-end fee run | Finance | DN | Due soon |
| Handling a complaint | Compliance | AK | OverdueConfirmed Confirm |
| Next for review | Owner | Review due |
|---|---|---|
| Handling a complaint | AK | OverdueConfirmed today |
| Onboarding a new adviser | CM | Overdue |
| Running the month-end fee run | DN | 20 Nov |
| Provider 3 of 14 | Kind | Contact |
|---|---|---|
| Manager A | Asset manager | Client services desk |
| Platform B | Investment platform | Adviser support |
| Manager C | Asset manager | Relationship manager |
How it works
From first conversation to daily use.
Scope
Klaritekt maps how work moves through the firm and agrees what the platform should improve.
Build
Klaritekt sets up the tools the firm needs and builds the firm’s own workflows into them.
Train
The firm’s team learns the platform on its own day-to-day work before it goes live.
Run
The firm runs on the platform every day. Further tools and changes are agreed as its needs develop.
About
klaritekt = building clarity.From clarus, clear, and tekton, builder.
Klaritekt is led by
Sarel Louw, CFA.
- Qualifications
- CFA® charterholder. MBA, UCT Graduate School of Business. PGDip, Financial Planning. Data Science, UCT.
A career in finance, serving the kinds of firms the platform is built for.
- Fund accounting
- Private banking
- Operations
- Investment analysis
Start with how the firm works today.
A first discussion establishes what the platform should improve, and whether Klaritekt is the right fit.