Lifestyle Planning
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Coates Capital: Lifestyle Financial Planning
At Coates Capital, we believe financial planning is more than numbers.
Your Path to Financial Confidence
We partner with you to create personalized strategies that align with your values and goals.
Planning for What Matters
Our holistic approach addresses every aspect of your financial life, creating harmony between today's needs and tomorrow's dreams.
Achieving Life Goals
Experience the confidence that comes from knowing your finances are aligned with your most important life priorities.
Coates Capital: The Solution
Comprehensive wealth management solutions since 2010, delivering personalized financial strategies for entrepreneurs, families, and executives. Our industry-recognized fiduciary approach maintains a 98% client retention rate through data-driven planning that addresses your complete financial picture.
Our Approach
Financial Planning
Comprehensive strategies that integrate all aspects of your financial life into one cohesive plan.
Investment Management
Data-driven portfolio design aligned with your personal goals and risk tolerance.
Estate Planning
Sophisticated wealth transfer solutions to protect your legacy for generations.
Tax Strategy
Proactive tax planning to maximize efficiency and minimize obligations.
Our client-centered methodology focuses on long-term wealth accumulation with a transparent fee structure and no hidden costs.
Services We Offer
Comprehensive Financial Planning
Detailed multi-year projections tailored to your unique situation and goals, with regular adjustments as your life evolves.
Retirement Strategy Optimization
Custom retirement roadmaps for both pre-retirees and current retirees, ensuring your assets last throughout your lifetime.
Tax-Efficient Investment Management
Strategic asset allocation across multiple account types to minimize tax impact and maximize growth potential.
Estate Planning Solutions
Comprehensive wealth transfer strategies that protect your assets and ensure your legacy intentions are fulfilled.
Why Choose Coates Capital
Fiduciary Standard
We are legally bound to always put your interests first, providing advice that serves your best interests rather than our own.
Holistic Planning
Our approach addresses all aspects of financial wellness, creating harmony between your investments, tax strategy, retirement, and estate plans.
Advanced Certifications
Our team holds industry-leading designations including CFP® and advanced estate planning credentials.
Our Process
Discovery
Initial meeting to understand your complete financial picture, goals, and timeline.
Analysis
Comprehensive review of your current financial situation, identifying strengths and opportunities.
Strategy Development
Creation of your customized financial roadmap with specific action steps.
Implementation
Execution of recommended solutions with coordination across all financial areas.
Ongoing Monitoring
Regular reviews and strategy adjustments as your life and the markets evolve.
Meet The Founder
Stuart Coates, CFP®
Founder & Principal Advisor with 15+ years of experience specializing in comprehensive financial planning for high-net-worth individuals and families.
Detailed Bio
After completing a B Com degree in 2004 Stuart moved abroad to Asia, where he was primarily based in Taipei, Taiwan. He worked as an independent communications consultant to the senior management of large multinational companies such as Samsung, Hon Hai Precision Engineering and Calyon ( a subsidiary of French investment bank Credit Agricole).
Stuart returned to South Africa in 2008, joined NFB Private Wealth Management in 2009 and successfully completed a post graduate diploma in financial planning from the University of the Free State in the same year. Stuart started Coates Capital in 2010, incorporating a specialised investment consultancy.
Resources & Insights
Monthly Newsletter
Timely financial planning tips and market insights delivered directly to your inbox.
Quarterly Updates
In-depth analysis of market trends and investment perspectives to keep you informed.
Asset Map
The Asset Map is a visual representation of a client's financial life. their household members, assets, liabilities, cash flows, insurance policies and goals.
Scan the QR code to start your own Asset Map journey or click below,
Contact Us
Take the first step toward financial clarity with a no-obligation 60-minute discovery session. We'll discuss your current situation, goals, and how our team can help you achieve them.
Tel: +27 (071) 192 3455
Coates Capital is a licensed Financial Services Provider. FSP 42167
Compliance Documents
Privacy Policy
Privacy Policy — Coates Capital CC (FSP No. 42167) | Effective Date: 3 March 2026
At Coates Capital CC, discretion and trust form the foundation of every client relationship. As an authorised Financial Services Provider, we recognise that the personal and financial information entrusted to us is both sensitive and significant. We are committed to processing such information lawfully, responsibly and in accordance with the Protection of Personal Information Act, 2013 (“POPIA”).
1. Our Responsibility
Coates Capital CC (FSP No. 42167) is an independent financial services provider offering bespoke financial planning and wealth structuring services. We accept full responsibility for the lawful processing and safeguarding of personal information under our control.
Registered & Principal Place of Business:
209 Water Road
Walmer
Port Elizabeth 6070
2. Information We Collect
In order to provide tailored financial advice and structured planning solutions, we may collect information including:
  • Identity and contact information
  • Financial position and investment holdings
  • Income, assets and liabilities
  • Employment and business interests
  • Tax-related information
  • Risk tolerance and investment preferences
  • Medical information (where required for underwriting)
  • Banking details
  • Records of correspondence and advisory discussions
We collect only information that is relevant and necessary to deliver professional financial advice and to meet our regulatory obligations.
3. Purpose of Processing
Your personal information is processed for purposes including:
  • Conducting comprehensive financial needs analyses
  • Preparing and presenting financial plans
  • Implementing investment, retirement and risk solutions
  • Meeting statutory and regulatory obligations (FAIS, FICA and related legislation)
  • Identity verification and anti-money laundering compliance
  • Ongoing portfolio management and review
  • Claims administration
  • Risk management and governance oversight
We do not sell personal information, nor do we use it for unrelated commercial exploitation.
4. Legal Basis for Processing
We process personal information where:
  • You have provided consent;
  • It is necessary to fulfil a contractual mandate;
  • It is required by law or regulatory obligation;
  • It is necessary to protect legitimate interests;
  • It is necessary for the proper performance of advisory services.
5. Disclosure of Information
Your information may be shared, where necessary and appropriate, with:
  • Investment platforms and product providers
  • Insurers and underwriting entities
  • Compliance officers
  • Professional advisers (such as auditors or accountants)
  • Regulatory authorities where legally required
  • Approved technology and service providers
All third parties are required to maintain strict confidentiality and implement appropriate security safeguards.
6. Cross-Border Processing
In certain circumstances, data may be stored or processed outside South Africa, particularly where cloud-based systems are utilised. Where this occurs, Coates Capital takes reasonable steps to ensure that equivalent levels of data protection are applied.
7. Safeguarding Your Information
Coates Capital CC operates from a sole-occupancy registered business premises at:
209 Water Road
Walmer
Port Elizabeth 6070
We implement appropriate technical and organisational safeguards, including:
  • Controlled physical access to premises
  • Secure storage of physical records
  • Restricted access to electronic systems
  • Password-protected platforms
  • Secure data backups
  • Confidentiality undertakings from staff and service providers
Information security is reviewed regularly as part of our governance framework.
8. Retention of Records
Personal information is retained in accordance with:
  • FAIS regulatory requirements
  • FICA obligations
  • Tax legislation
  • POPIA storage limitation principles
Records are retained only for as long as legally required or operationally necessary.
9. Your Rights
You have the right to:
  • Request access to your personal information;
  • Request correction or deletion of inaccurate data;
  • Object to processing where legally permissible;
  • Withdraw consent (where applicable);
  • Lodge a complaint with the Information Regulator.
Requests may be directed to our Information Officer.
10. Information Officer
Information Officer: Stuart Coates
Email: stuart@coates-capital.com
Telephone: 071 192 3455
Information Regulator Registration Number: 2024-016357
11. Lodging a Complaint
If you believe your personal information has been processed unlawfully or in breach of applicable legislation, you may contact The Information Regulator (South Africa).
We encourage clients to raise any concerns with us first so that they may be addressed promptly and professionally.
12. Updates to This Policy
This Privacy Policy may be amended from time to time to reflect regulatory developments or operational enhancements. The most current version will always be available on our website.
FAIS Disclosure
Coates Capital CC | FSP No. 42167 | Effective Date: 3 March 2026
1. Legal Status
Coates Capital CC is an authorised Financial Services Provider licensed and regulated by the Financial Sector Conduct Authority (FSCA).
  • Registered Name: Coates Capital CC
  • Trading As: Coates Capital Investment Consulting
  • Registration Number: 2010/048817/23
  • FSP Number: 42167
  • Regulator: Financial Sector Conduct Authority (FSCA)
  • Registered & Principal Place of Business: 209 Water Road, Walmer, Port Elizabeth 6070
  • Telephone: 071 192 3455
2. Scope of Authorisation
Coates Capital CC is authorised as a Category I Financial Services Provider to render Advice and Intermediary Services in respect of the following financial products:
  • Long-Term Insurance (Subcategories B1, B1-A, B2, B2-A and C)
  • Retail Pension Benefits
  • Pension Funds Benefits
  • Participatory Interests in Collective Investment Schemes
  • Long-Term Deposits
  • Short-Term Deposits
  • Structured Deposits
  • Participatory Interests in Hedge Funds
Services are rendered strictly within the scope of licence conditions issued by the Financial Sector Conduct Authority. A copy of our licence and licence conditions is available for inspection at our registered office.
3. Key Individual
Key Individual: Stuart Coates
The Key Individual meets the Fit and Proper requirements prescribed under the FAIS Act and oversees the rendering of financial services.
4. Professional Indemnity & Fidelity Cover
Coates Capital CC maintains Professional Indemnity Insurance and Fidelity Guarantee cover as required under the FAIS Act and applicable regulations.
5. Conflict of Interest Management
Coates Capital CC is committed to identifying, managing and mitigating conflicts of interest in accordance with the FAIS General Code of Conduct. A copy of our Conflict of Interest Management Policy is available upon request.
6. Complaints Procedure
If you are dissatisfied with any aspect of our financial services, you may lodge a written complaint with:
  • Complaints Officer
  • Coates Capital CC
  • Telephone: 071 192 3455
We aim to resolve complaints within six (6) weeks in accordance with the FAIS General Code of Conduct. If you remain dissatisfied, you may refer the matter to:
Office of the FAIS Ombud
Telephone: 012 762 5000
Complaints must relate to a financial service rendered and should be submitted within three (3) years of the act or omission giving rise to the complaint.
7. Compliance Oversight
Coates Capital CC is supported by an approved Compliance Officer in accordance with the FAIS Act. Details of our Compliance Officer are available upon request.
8. Treating Customers Fairly (TCF)
Coates Capital CC is committed to the principles of Treating Customers Fairly and strives to ensure that:
  • Clients receive clear and appropriate information;
  • Advice is suitable and aligned to client objectives;
  • Products perform as expected;
  • Clients do not face unreasonable post-sale barriers.
9. Important Notice
Financial advice is rendered based on information provided by clients and is subject to applicable legislation and regulatory standards. Clients are encouraged to ensure that all information supplied is accurate and complete.
Conflict of Interest Policy
Coates Capital CC | FSP No. 42167 | Effective Date: 3 March 2026 | Last Reviewed: 3 March 2026
Coates Capital CC ("the FSP"), trading as Coates Capital Investment Consulting, is committed to conducting its business with integrity, transparency and fairness. This Conflict of Interest Management Policy is adopted in accordance with the FAIS Act, 2002 and the General Code of Conduct for Authorised Financial Services Providers and Representatives.
Legal Status
  • Registered Name: Coates Capital CC
  • Registration Number: 2010/048817/23
  • FSP Number: 42167
  • Regulator: Financial Sector Conduct Authority (FSCA)
  • Registered & Principal Place of Business: 209 Water Road, Walmer, Port Elizabeth 6070
Definition of Conflict of Interest
A conflict of interest means any situation in which the FSP or its representatives have an actual or potential interest that may influence the objective performance of their obligations to a client. This includes, but is not limited to:
  • Financial interests
  • Ownership interests
  • Relationships with product suppliers
  • Personal interests that may compromise impartial advice
Commitment to Independent Advice
Coates Capital CC operates as an independent advisory practice. Advice is provided based on:
  • Client objectives
  • Risk profile
  • Financial circumstances
  • Regulatory suitability requirements
Remuneration structures are disclosed to clients prior to implementation of any financial product.
Financial Interests
The FSP may receive remuneration in the form of:
  • Commission as permitted by legislation
  • Fees agreed with clients
  • Ongoing service fees
  • Non-cash incentives within regulatory limits
All financial interests are managed in accordance with regulatory requirements and disclosed where necessary.
Ownership Interests
Coates Capital CC does not hold ownership interests in product suppliers that would materially influence the provision of advice.
Where ownership interests exist, they will be disclosed to clients in writing.
Associates and Third Parties
  • The relationship is evaluated for potential bias
  • The client’s best interest remains paramount
  • Recommendations are suitability-driven
  • No recommendation is made solely to benefit the FSP or any associate.
Gifts and Incentives
The FSP maintains a Gifts Register. Gifts or hospitality:
  • Must not influence objective advice
  • Must fall within permitted thresholds
  • Must be recorded in the register
Employees and representatives are prohibited from accepting inappropriate inducements.
Identification and Management of Conflicts
  • Ongoing compliance oversight
  • Annual declarations by representatives
  • Maintenance of a Conflict Register
  • Disclosure to clients where required
  • Key Individual supervision
Where a conflict cannot be effectively mitigated, the FSP may decline to act.
Disclosure to Clients
  • Disclose the nature of the conflict in writing;
  • Explain the potential impact on the client;
  • Confirm the measures taken to mitigate the conflict.
Disclosure will be made prior to or at the time advice is rendered.
Monitoring and Review
  • Reviewed annually;
  • Reviewed upon regulatory amendment;
  • Reviewed upon identification of material conflict;
The Key Individual is responsible for oversight of this policy.
Access to Policy
  • On request from the FSP; and
  • On the Coates Capital CC website.
Governance Statement
Coates Capital CC adopts a zero-tolerance approach to undisclosed or unmanaged conflicts of interest. All advice rendered is governed by the principle that the client’s interests must be prioritised above those of the FSP.
Approved by: Members of Coates Capital CC | Effective Date: 3 March 2026 | Next Review Date: 3 March 2027
Complaints Procedure
Coates Capital CC (FSP No. 42167) Effective Date: 3 March 2026 Last Reviewed: 3 March 2026
Coates Capital CC is committed to delivering financial advice and intermediary services with professionalism, integrity and fairness. We view complaints as an opportunity to improve our service and uphold our commitment to Treating Customers Fairly (TCF). This Complaints Procedure is adopted in accordance with the Financial Advisory and Intermediary Services Act, 2002 (FAIS) and the General Code of Conduct for Authorised Financial Services Providers.
What Constitutes a Complaint?
A complaint is any expression of dissatisfaction relating to a financial service rendered by Coates Capital CC, including but not limited to:
  • The quality of advice provided
  • Alleged financial prejudice
  • Administrative errors
  • Disclosure concerns
  • Service-related dissatisfaction
Complaints must relate to a financial service rendered by the FSP.
How to Lodge a Complaint
Complaints must be submitted in writing and should include:
  • Your full name and contact details
  • A clear description of the complaint
  • Relevant dates
  • Supporting documentation (if available)
Complaints may be submitted to:
  • Complaints Officer, Coates Capital CC
  • 209 Water Road, Walmer, Port Elizabeth 6070
  • Telephone: 071 192 3455
Our Complaint Handling Process
Step 1 – Acknowledgement
Upon receipt of your complaint, we will acknowledge receipt within a reasonable time. Your complaint will be recorded in our Complaints Register.
Step 2 – Investigation
We may:
  • Review relevant advice documentation
  • Request additional information
  • Engage with the representative involved
Step 3 – Resolution
We aim to resolve complaints within six (6) weeks of receipt. You will receive a written response outlining:
  • Our findings
  • The outcome
  • Any remedial action proposed (if applicable)
Escalation to the FAIS Ombud
If you are dissatisfied with our response, or if six (6) weeks have passed without resolution, you may refer the complaint to:
Office of the FAIS Ombud
  • Telephone: 012 762 5000
Complaints referred to the FAIS Ombud:
  • Must relate to a financial service rendered
  • Must generally be submitted within three (3) years of the act or omission
  • Must first have been lodged with the FSP
Treating Customers Fairly (TCF)
Coates Capital CC is committed to ensuring that:
  • Clients receive clear and appropriate information
  • Advice is suitable and aligned with client objectives
  • Clients are not subjected to unreasonable post-sale barriers
  • Complaints are handled promptly and fairly
Confidentiality
All complaints are handled confidentially and in accordance with applicable data protection legislation.
Governance Oversight
Complaints are:
  • Recorded in a formal Complaints Register
  • Monitored for systemic risk
  • Reviewed as part of our governance oversight framework
Material complaints are escalated to the Members of Coates Capital CC.
PAIA Manual
Coates Capital CC | FSP No. 42167 | Promotion of Access to Information Act, 2000 (PAIA) | Effective Date: 3 March 2026 | Last Reviewed: 3 March 2026
This manual has been prepared in accordance with Section 51 of PAIA and provides guidance on how to request access to records held by Coates Capital CC. It also addresses certain aspects of the Protection of Personal Information Act, 2013 (POPIA), which governs the lawful processing of personal information.
Details of the Private Body
  • Name: Coates Capital CC
  • Trading As: Coates Capital Investment Consulting
  • Registration Number: 2010/048817/23
  • FSP Number: 42167
  • Registered Address: 209 Water Road, Walmer, Port Elizabeth 6070
  • Telephone: 071 192 3455
Information Officer
  • Information Officer: Stuart Coates
  • Telephone: 071 192 3455
  • Information Regulator Registration Number: 2024-016357
Guide to Using PAIA
A guide on how to use PAIA is available from the Information Regulator and contains information on the purpose of PAIA, how to request access to records, and available remedies.
  • Information Regulator (South Africa), JD House, 27 Stiemens Street, Braamfontein, Johannesburg 2001
Records Held by Coates Capital CC
5.1 Corporate Records
  • Registration documents
  • Member resolutions
  • Financial statements
  • Tax records
  • Insurance policies
5.2 Financial Services Records
  • Client financial needs analyses
  • Records of Advice
  • Investment and insurance documentation
  • Client identification documents (FICA)
  • Compliance documentation
  • Complaints register
  • Conflict of Interest register
5.3 Human Resources Records
  • Employment contracts
  • Payroll records
  • Training records
  • CPD documentation
5.4 Operational Records
  • Service provider agreements
  • IT service agreements
  • Risk management documentation
  • Business continuity planning documentation
5.5 Marketing Records
  • Website content
  • Marketing materials
  • Client communications
Purpose of Processing Personal Information
  • Rendering financial advice and intermediary services
  • Conducting financial needs analyses
  • Complying with FAIS and FICA obligations
  • Identity verification
  • Claims administration
  • Regulatory reporting
  • Fraud prevention and risk management
Categories of Data Subjects
  • Clients
  • Prospective clients
  • Employees
  • Service providers
  • Business partners
Recipients of Personal Information
Personal information may be shared only where necessary and lawful with:
  • Product providers
  • Investment platforms
  • Insurers
  • Compliance officers
  • Regulatory authorities
  • Professional advisers
Request Procedure
A request for access to records must:
  • Be made using the prescribed Form 2 (Regulation 7)
  • Provide sufficient detail to identify the requested record
  • Specify the right being exercised or protected
  • Be submitted to the Information Officer at the contact details above
Fees
  • Personal requesters are not required to pay a request fee
  • Other requesters may be required to pay a request fee
  • Access fees may apply for reproduction of records
  • Fees will be charged in accordance with the PAIA Regulations
Grounds for Refusal
Access to records may be refused where disclosure would:
  • Involve unreasonable disclosure of personal information
  • Reveal commercially confidential information
  • Breach legal privilege
  • Prejudice law enforcement or regulatory processes
Where access is refused, written reasons will be provided.
Security Measures
  • Controlled physical access to premises
  • Secure storage of records
  • Password-protected systems
  • Restricted access to information
  • Secure data backups
Availability of the Manual
  • On the Coates Capital CC website
  • Upon request from the Information Officer
Approved by: Members of Coates Capital CC | Effective Date: 3 March 2026 | Next Review Date: 3 March 2027