ALCHEMY FINANCIAL SOLUTIONS - Key Persons

Craig began his career in Cape Town in 1991 at Moores Rowland (formerly Baker Musikanth). After qualifying as a Chartered Accountant he left to work in financial leadership roles in the mining and retail sectors. He returned to the firm in 2000 and practiced as a consulting and audit partner. Moores Rowland merged in 2007 with Mazars, a leading international audit, tax and advisory firm. Craig's ultimate position before leaving Mazars in 2010 was as managing partner of the Cape Town office and national board member responsible for talent. Since leaving public practice Craig has held executive and non-executive corporate board positions in various sectors, including property, agricultural processing, healthcare and commercial education. He currently serves as a non-executive director of JSE-listed Bowler Metcalf Ltd. Craig is passionate about financial literacy education and the impact it can make on people's lives. He is the commercial director of Wealthvox, a global financial literacy innovator and publisher of the acclaimed Colour Accounting Learning System. In his work with family offices Craig draws on his wide experience in a breadth of disciplines, as well as his love of working with people. As an independent trustee he guides and supports families as they navigate the ever-increasing complexities of inter-generational financial succession. He works with a select global group of high-net-worth families. Craig holds a Bachelor's Degree in Commerce and a Post Graduate Diploma in Accounting from the University of Cape Town, as well as a Graduate Diploma in Tax Law. Craig is a Chartered Accountant (South Africa).

Job Titles:

• Director and Portfolio Specialist at Morningstar Investment Management South Africa

Debra is a director and portfolio specialist at Morningstar Investment Management South Africa, and is responsible for the institutional business relationships and portfolio management within the South African business. Debra works closely with the Morningstar global investment team to bring best practice investment ideas to the South African business and its clients.

Job Titles:

• Associate Portfolio Manager for Morningstar Investment Management South Africa

Gerbrandt is an associate portfolio manager for Morningstar Investment Management South Africa. He assists with the management of the local and global portfolio range in conjunction with the global investment teams. He leads the South African investment team that is responsible for building portfolios that delivers better investment outcomes for Morningstar clients by following global best practice in manager selection and asset allocation.

Karen started her career in financial services in 1989, and for the next 16 years, held several senior strategic marketing positions with leading corporates, including Southern Life, Momentum Life and Metropolitan Health. In 2005, Karen left the corporate sector to embark on her career as an independent financial advisor. In 2006, she joined Alchemy as an integral part of their advisor team. She is now a director of the Practice. She specialises in the area of personal financial planning and has built a flourishing practice, mainly advising professionals and self-employed individuals on their personal financial planning needs. Karen holds a Bachelor's Degree in Economics from the University of Stellenbosch and a Postgraduate Diploma in Financial Planning from the University of Free State. Karen is a Certified Financial Planner (CFP®).

Robert started his career in financial services in 1992 as a junior analyst for a boutique portfolio management company in Cape Town. From there, he moved to the corporate sector to further his studies and develop his skills and network in investment management and holistic financial planning for high net worth clients. In 1997 he co-founded Alchemy Financial Solutions arising from his philosophy in building an Independent and Dynamic Private Wealth Management practice. Robert has systematically and organically developed the Alchemy practice over the past 25 years, which is now renowned in the industry for their innovative financial planning systems, absolute independence and unique business structure. Robert continues to manage and develop Alchemy and is a director of the practice. He concurrently provides investment planning and management for a select number of high net worth private clients, locally and offshore. Robert holds a Bachelor's Degree in Science from the University of Cape Town and a Postgraduate Diploma in Financial Planning from the University of Free State. Robert is a Certified Financial Planner (CFP®).

Job Titles:

• Managing Director for the Morningstar South African

Victoria is the managing director for the Morningstar South African investment management group. She is responsible for leading the business and leveraging Morningstar's global investment capabilities to provide best-practice investment management for clients.