“The highest use of capital is not to make more money, but to make money do more for the betterment of life.”

– Henry Ford

We'll make the for you



ATON Wealth Solutions (Pty) Ltd 2017/098202/07, t/a

Aton (ät’n)


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.


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 consistent with our core values:

Integrity, Objectivity, Competence, Confidentiality, Professionalism, Communication


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.

Products & Services

Products we offer

  • Investment Plan (Local and Offshore)
  • Passive Personal Share Portfolios (Local and Offshore)
  • Active Personal Share Portfolios (Local and Offshore)
  • 5 Year Life Plans (Local and Offshore)
  • Direct Unit Trusts / Exchange Trades Funds (ETF’s)
  • Retirement Annuities
  • Living Annuities
  • Conventional Guaranteed Annuities
  • Guaranteed Investments
  • Tax-Free Investments

Services we offer

  • Risk profiling
  • Client reporting
  • Investment Planning
  • Retirement Planning
  • Evaluation of existing investment portfolio
  • Investment projections
  • Investor education through info releases
  • Inter-generational wealth planning

Services offered through our contracted service providers

  • Fiduciary Services
  • Estate planning
  • Wills
  • Long term insurance products
  • Short term insurance products

how we take care of your finances

financial planning process


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.


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.


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.



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.


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.

here for you with more than 20 years experience

The Team


Director and Senior Financial Planner

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.


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.


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.


Investment Analyst

Industry experience since 2015

Kyle Rafferty is a full-time investment analyst, responsible for research on local and global instruments. Kyle completed his degree in Financial Management and his Honours in Financial Economics and Investment Sciences by 2014, both through the University of the Free State. Kyle worked as a Portfolio Manager at DSFIN Services 2015-2020 and has since joined Sharenet Investments in September of 2020. Kyle is based at the ATON offices and will assist in the managing and research for the ATON Model Investment Portfolio’s as well as assist with the preparation of specialized client proposals.

Get In touch

Leave us a message 

T: +27 51 430 0302 | C: +27 82 903 4582   
E: mywealth@atonwealth.com

7 Cherry Lane | Pretty Gardens | Langenhoven Park Bloemfontein 9301


verb. (ˈnævəˌgeɪt)

“The process of accurately ascertaining one’s position and planning and following a route.”

ATON is a financial services company based in Bloemfontein which specialises in investment analysis, management and advice. The company boasts a total of R 1 bil in assets under management and prides itself on the dedicated financial stewardship and personal care given to each and every investment. ATON Wealth Navigation emphasizes the importance of a personal relationship with each and every client. This core of the financial planning process allows ATON Wealth Navigation the opportunity to walk a path towards financial wellbeing with its clients.

Aton Wealth Navigation makes use of a Discretionary Fund Manager (DFM) to aid the portfolio construction and maintenance process. The portfolio management is conducted by this core of highly skilled and experienced investment professionals, boasting many decades of industry experience between them. This experience is leveraged by using an array of advanced analysis tools and systems in order to create dynamic tailored investment solutions.


Sharenet Investments has a proud track record of managing Collective Investment Schemes (unit trusts), model portfolios and bespoke investment solutions. Sharenet Investments (PTY) Ltd, a Category II FSP focuses on offering curated Investment Products to its Advisor client base. Sharenet Investments currently have a suite of Risk Profiled Investment Products & Solutions consisting of three Collective Investment Portfolios (Sharenet Unit Trusts), Local and International Managed Share Portfolios and Model Portfolios covering virtually all investor requirements.


ATON Wealth Navigation has partnered with Sharenet Investments to enhance the combined service provided to clients. Sharenet Investments has the experience and tools to analyse existing investment portfolios and where possible provide improved solutions that helps clients achieve their goals. By having a close working relationship between ATON Wealth Navigation and Sharenet Investments, clients receive a holistic, professional, and customised service.

As Investment Advisors, our number one priority is creating financial security for our investors. The market is dynamic and often produces fresh challenges and we will continue to refine our investment style while remaining cognisant of our philosophy. We aim to achieve financial security for our clients by realising consistent, sustainable long-term returns, without taking undue risks.

Our goal is to deliver the highest possible return while maintaining the stability of that return within the portfolio. We achieve this through diversifying across asset classes and investment styles to obtain the optimal portfolio with less risk and consistent returns.


At Aton Wealth Navigation, we believe that wealth creation is more than just a Rand amount, it is being able to live the life you want with peace of mind.

The core of wealth creation is getting your money to work for you, consistently growing. Compound interest is often referred to as the 8th wonder of the world, and by starting with an investment plan and strategy early you can maximise the benefit of this wonder.

Aton Wealth Navigation commits to certain core principles:

  • Specialised Investment Planning
  • Attentive Advice
  • Honesty and Integrity
  • Experienced Financial Stewardship


Aton Wealth Navigation has created an array of portfolios designed to achieve performance targets while not taking on undue risks.


Planning for your tomorrow, today.

Careful construction of a retirement plan is a journey which is unique to each individual.

Retirement plans and strategies revolve around the need to prevent the loss of capital, either by poor performance or exorbitant fees, that is why Aton Wealth Navigation provides model portfolios constructed of top performing fund managers, and passive solutions, in order to target high levels of consistent performance while being cost cognisant.

Aton Wealth Navigation has a core of experienced professionals which leverages highly skilled portfolio managers to create tailored investment plans and strategies for each client.


Portfolio construction is the key to not taking undue risk. 

To optimise the risk/return profile we diversify across various asset classes, investment styles and countries.

Aton Wealth Navigation makes use of a Discretionary Fund Manager (DFM) to aid the portfolio construction and maintenace process. The portfolio management is conducted by this core of highly skilled and experienced investment professionals, boasting many decades of industry experience between them. This experience is leveraged by using an array of advanced analysis tools and systems in order to create dynamic tailored investment solutions. 

Not all investment management styles perform the same during different economic cycles. Combining distinctive styles and strategies correctly, should result in a solution that delivers consistent and superior returns.


Creating financial security for our investors through good investment stewardship.


Through the use of experienced financial and investment professionals, we are able to guide investors to financial security, through wealth creation. This is the core goal of the entire investment planning process; at Aton Wealth Navigation we go about this through carefully constructing an array of portfolios to meet the needs of clients during their investment journey. The portfolios are constructed in order to provide strong performance, without taking on undue risk while being cost cognisant.


Savings are the cornerstone to financial wellbeing, be it for an emergency or saving towards a goal. It is vital to choose a fund that will care for your hard-earned savings as hard as you do.

At Aton Wealth Navigation we carefully select high quality investment funds, with extensive track records and experienced investment teams to use within the tailored investment plans and strategies. We match those investment funds with tailored savings strategies, to best suit the need of each client.

Everyone has their own path towards wealth creation, and the most important step is the first one.


Life is fraught with uncertainties, but not everything needs to be.

Aton Wealth Navigation offers guaranteed investments for peace of mind. Guaranteed investments are a type of investment product that allows clients to invest into various assets while promising a predefined minimum return. While this type of investment does come with certain guarantees, Aton Wealth Navigation will discuss the suitability of these products with each individual to create a tailor-made investment strategy.