For the Individual

‘Praemonitus, Praemunitus” a latin proverb meaning Forewarned is Forearmed.  We have all, at some stage in our lives, wished that we had a crystal ball that would show us our future so that we can be given the opportunity to prepare ourselves for what lies ahead. The reality is that Crystal balls are only available in Pottermore and they  also only work on a Harry Potter movie set, not easily accessible to most of us. 


Thrive while

you’re alive

Each human is in pursuit of the core purpose to thrive while they’re alive.




A full life falls short when the risk of being stripped of our dignity weighs heavy on our mind. 


Diversify for


Abundance is the enrichment of your life and the lives of those you care for, those you wish to leave your legacy to. 


Prepare to secure the unknown

Preparation in the real world is best managed 
in the same practical, pragmatic manner in which you’d tackle the challenge of reaching the summit of Everest.

Perlov & Associates are experts in their field, we have over 60 years of experience in the financial planning environment and over 2000 clients. We are a boutique,  bespoke financial services organisation whose purpose is to give our clients peace of mind, now and into the future.  We do this by advising you on how to Secure the unknown, Diversify your portfolio to ensure abundance, Preserve your own and your family's dignity and most importantly for you to Thrive while you’re Alive.

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Perlov & Associates is a juristic representative of Discovery Life Limited.

​Discovery Life Limited is an authorised financial services provider (FSP 18147)