Navigate your wealth with
clarity and long-term strategy
At ATON Wealth Navigation, we help you grow, protect, and
structure wealth through disciplined investment planning and
professional portfolio management.
ATON (āt'n)noun
A navigational aid (navaid), also known as aid to navigation (ATON), is
any sort of marker which aids the traveler in navigation, usually nautical
or aviation travel. Common types of such aids include lighthouses,
buoys, fog signals, and day beacons.
WHAT WE DO
Experienced investment professionals focused
on long-term, risk-conscious wealth creation
Financial Planning &
Advice
Risk profiling
Inter-generational wealth planning
Reporting &
Education
Education
Client reporting
Investor education & market updates
Estate &
Legacy Planning
Legacy Planning
Fiduciary services
Estate planning
Wills
Protection
Solutions
Solutions
Long-term insurance
Short-term insurance
Why Aton Wealth Navigation
Structured investing built on discipline, not speculation
We focus on long-term, risk-conscious strategies designed
to protect and grow wealth over time.
Independent thinking
We focus on long-term, risk-conscious strategies designed to protect and grow wealth over time.
Structured portfolios
Diversified investment approaches designed to manage risk across market cycles.
Long-term
focus
We avoid short-term speculation and focus on consistent, sustainable growth.
Professional oversight
Experienced investment professionals and partner managers guide portfolio construction and review.
investment process
How we build your investment strategy
01
Getting To Know You Better
We would like to understand you, your personal circumstances, and your aspirations. What you want out of life, what you want for your family, your goals. What risks you are willing to take, what you want your money to do for you.
02
Strategic Asset Allocation
We will construct an investment portfolio that is aligned with your tolerance for investment risk, and that have the potential to help you achieve your financial goals. This will involve setting up an investment plan that offers you exposure to various types of financial assets. This long-term strategy is created to guide you toward your investment goals.
03
Tactical Asset Allocation
Financial markets are volatile and unpredictable, experiencing ups and downs through the investment cycle. These moves present both threats and opportunities and so through the use of tactical asset allocation, we well adaptively change the weightings to the various asset classes when it matters.
04
Implementation
Once an investment plan has been agreed upon, we will use our decades of industry experience as well as advanced analysis tools and systems to continuously implement your investment plan and strategy to the ever-changing market.
05
Monitoring and Review
Our managed portfolios are monitored continuously with portfolio changes that are executed as and when needed. However, it is advisable that our clients visit us as the need arises, but at least once a year, for a comprehensive discussion regarding their investment portfolio. Regular information regarding financial markets, the economy and products, as well as newsletters, will be communicated to our investors via e-mail, and sms.
We focus on disciplined portfolio construction, diversification and long-term investment strategies designed to reduce risk and improve consistency across market cycles.
About Us
Bloemfontein-based. Nationally trusted.
ATON is a financial services company specialising in investment analysis, management, and
advice - built on the belief that every client deserves dedicated, personal financial stewardship.
R1 Billion +
Assets under management
Personal
Relationship with every client
Decades
Combined industry experience
Personal relationships, first
ATON Wealth Navigation walks a path towards
financial wellbeing alongside every client - not
just managing money, but understanding the
people behind it.
Discretionary Fund Management
We leverage a DFM model - backed by skilled
investment professionals and advanced analysis
tools - to create dynamic, tailored investment
solutions for each client.
Our Mission
Our mission is to increase retirement readiness, wealth creation and financial security
for our clients and subsequent generations as they embrace the responsibilities of
success by creating, implementing and monitoring financial strategies.
Our Vision
To build an enduring wealth navigation firm that can support multiple generations
and is valued and trusted by clients and peers. This will contribute to the growth and
development of our industry.
OUR VALUES
- Integrity
- Objectivity
- Competence
- Confidentiality
- Professionalism
- Communication
OUR PRINCIPLES
- Specialised Investment Planning
- Attentive Advice
- Honesty and Integrity
- Experienced Financial Stewardship
- Protection of financial customer – sets clear expectations
- Fair treatment of financial customer
- Promotes and strengthens market integrity
- Promotes enhanced transparency
- Aligning with global best practices
- Foster long-term sustainability
Our Philosophy
"Consistent, sustainable long-term returns - without taking undue risk."
As investment advisors, creating financial security for our investors is our number one priority. We achieve this by diversifying across asset classes and investment styles to build optimal portfolios - delivering the highest possible return while maintaining the stability of that return.
products & services
A full spectrum of investment solutions
Investment Plans / Tax-Free Investments
Passive Personal Share Portfolios
Active Personal Share Portfolios
5-Year Life Plans
Unit Trusts & ETFs
Retirement Annuities
Living Annuities
Guaranteed Annuities
Guaranteed Investments
Risk Profiling
Client Reporting
Investment Planning
Retirement Planning
Portfolio Evaluation
Investment Projections
Investor Education & Insights
Inter-Generational Wealth
Planning
Fiduciary Services
Estate Planning
Wills
Long-Term Insurance
Short-Term Insurance
Medical Aid / Hospital Plans
our people
The team behind your wealth journey
Horace Terry CFP®
Director, Senior Financial Planner & Portfolio Manager
Industry experience since 2001
Horace has a National Diploma in Import & Export Management from the Technikon of the Free State, where after he gained his Postgraduate - and Advanced Postgraduate Diploma in Financial Planning from the University of the Free State. Horace is also Certified Financial Planner® since 2007. As Horace believes in a client centric approach, and the need for holistic investment planning, he has completed additional industry related investment courses from UNISA and the Academy for Financial Markets. Horace started his career in the Financial Services industry as a junior financial advisor at Sanlam Life in 2001. He chose to specialize as an investment advisor since 2008 and has since won many International Quality awards for his expertise. In 2020 he founded ATON Wealth Navigation where he serves as Director and Senior Financial Planner and will focus on financial advice and investment management.
JC Louw
Director and Portfolio Manager
Industry experience since 1998
JC completed a B.Comm degree and MBA (Cum Laude) at Stellenbosch University. He started his career as part of the Greenwich Securities derivatives team in London in 1998. During his time in London, he was exposed to a variety of global markets and asset classes and became a member of the OTOB (European Derivative Exchange). In 2000 he joined Greenwich Asset Management in Cape Town as an investment analyst and a member of the investment team that later became part of NIB. In 2001 he moved to PLJ Financial Services as co branch manager (Cape Town) and private client portfolio manager until 2003. JC was one of the founding members of Contego Asset Management and led the Asset Management division until 2016 when he joined the Sharenet Group as Chief Executive Officer, implementing a change in focus and strategy until July 2019 when he facilitated as management buyout of the Discretionary Fund Management (DFM) and Unit Trust division. JC has also joined ATON Wealth Navigation as a Director in 2020.
Sanita Els
Office Manager
Industry experience since 1987
Sanita started her career at Sanlam Properties in 1987 as an assistant. In 1995, she then moved to Sanlam Life: New Business where she was directly involved in the processing and approval of life insurance business. She then became branch consultant at Bloemfontein Financial Services in 1999 where she worked alongside Advisers in the New Business Division. As she excelled in her work, she become closely aligned with several Sanlam Advisers as a Personal Assistant. In 2012 she joined Horace Terry and become an essential member of his team. As Office Manager of ATON Wealth Navigation, she combines her immense industry experience and passion for people to excel in her everyday tasks.
Elbie Hugo
Operations Manager
Industry Experience Since 1993
Elbie brings over 30 years of experience in management and administration. She began her career in 1993 at First National Bank. In 2008, she transitioned into the research sector, where she managed a variety of research projects. In 2024, she expanded her experience while working at Liberty Life. Most recently, on 1 March 2026, she was appointed as Operations Manager at ATON Wealth Navigation. In her current role, Elbie oversees the company’s compliance and marketing functions, ensuring everything is aligned with regulations and internal standards. She is deeply committed to her work, always striving to keep operations running smoothly and responsibly. Elbie believes in putting clients first and places a high value on honesty in all interactions. She is open and approachable and treats everyone with respect and compassion. A key part of her role is ensuring that communication with clients is clear, timely, and easy to understand, helping to build strong relationships and a positive overall experience.
