About Stratum Financial Group

Who are we

Stratum Financial Group is a South African firm of accountants and bookkeepers. Alongside the practice, the group owns operating companies across commerce, technology, property, financial services and asset management. We help individuals, families and businesses keep accurate records, understand their finances and take part in more than one business through a managed group structure.

What we do Group companies

What we do

Accounting, bookkeeping and multi-business ownership

Our firm provides accounting, bookkeeping and related advisory services. Each client receives reliable records, monthly management accounts, tax and statutory support and clear reporting, so they always know where their business stands.

Beyond the practice, the firm developed a model where clients can participate in more than one business at the same time. We structure the arrangement, coordinate the businesses involved, and coordinate banking arrangements with institutions such as FNB, Nedbank and Standard Bank, as applicable to each account and programme.

Through a single app, clients can see their monthly contribution towards multi-business ownership, shop from participating businesses, track their monthly spending and statements, follow their JSE participation where applicable, and receive reports and communication from the firm in one place.

Read about all fifteen services

Our values and mission

What guides our work

Integrity

We handle client money, records and reporting honestly and carefully, and we say clearly what we can and cannot do.

Accuracy

Dependable numbers are the foundation of every decision. We keep records, reconciliations and reports correct and current.

Accountability

We take responsibility for the work we do for clients and for the oversight we provide across the businesses in the group.

Clear communication

We explain financial matters in plain language, so clients can understand their position and make informed decisions.

Education

We believe informed clients and communities make better decisions, which is why education runs through our services and our Foundation.

Long-term thinking

We encourage ownership, saving, investment and planning that benefit individuals, families and businesses over many years.

Our mission is to provide dependable accounting and bookkeeping services, to help clients understand and participate in multiple businesses, and to connect people and businesses with the knowledge and structures they need to build sustainable financial futures. We are a member of SAICA, practising under practice number guidelines, and we commit 1% to 5% of consolidated profits to the Luthando Maduna Foundation.

Our philosophy

Ownership, participation and education

We believe ownership is central to financial wellbeing. People and businesses that own assets, participate in the economy and plan over the long term are better able to withstand setbacks and grow steadily.

Participation should be structured. That is why every arrangement we design follows the same path: consult, structure, bank, build or acquire, operate, account, monitor, report and grow. Each step builds the records, controls and reporting that make ownership understandable.

Education comes first. We explain what clients are participating in, what the risks are, and what the reporting shows. Ownership carries risk, and returns are never guaranteed. Our role is to make the financial picture clear so clients can decide with confidence.

Client app

One place for client information

Monthly contributions

View monthly contributions towards participation in multi-business ownership arrangements.

Shop

Shop from participating businesses at the mini complex, mixed-use developments and sports cities, where available.

Monthly spending and statements

Track monthly spending and receive a monthly statement.

JSE participation

View information and reporting about JSE participation where applicable to the client’s arrangement.

Reports and communication

Receive reports and communicate with the firm in one place.

Availability of app features depends on the applicable client arrangement.

Who we serve

Services for people and businesses

We work with people at different stages, from those managing personal finances or exploring ownership to companies managing several operations.

Individuals and families
Employees and professionals
Entrepreneurs and business owners
Small and growing businesses
Established companies
People exploring multi-business ownership

Our group

Group divisions

Each division has a different operating focus and can support clients through its activities. Stratum Health Medical Scheme, known as Stratum Care, is a planned future medical aid subject to the required approvals.

01 / Commerce & operations

Stratum Commercial Group

The group’s commercial division brings together companies providing goods and services to clients. It connects operating capabilities with the financial oversight, controls and reporting needed to support sustainable business activity.

02 / Technology & finance

Stratum Fintech

Stratum Fintech is the group’s technology-focused division. It supports the development of digital tools and financial technology that can help businesses work with information, transactions and connected services more effectively.

03 / Property & development

Stratum Property Group

Stratum Property Group focuses on property interests and development opportunities. Its work sits alongside the group’s financial and commercial capabilities, with attention to the economics, structures and reporting behind real assets.

04 / Financial services

Stratum Financial Services

Stratum Financial Services is the group’s dedicated financial-services division. Services in regulated areas are undertaken only through appropriately authorised and licensed entities, where applicable.

05 / Assets & stewardship

Stratum Asset Management

Stratum Asset Management represents the group’s focus on the stewardship of assets and long-term financial interests. Any regulated investment activity is subject to the relevant authorisations and mandates.

06 / Healthcare — planned

Stratum Health Medical Scheme

Stratum Health Medical Scheme, known as “Stratum Care”, is a planned future medical aid. It is intended to provide healthcare to the group’s staff, management teams and clients who align with the group’s philosophy. The scheme is planned for launch once the required regulatory approvals are obtained.

View group companies

1%–5%

Luthando Maduna Foundation

Stratum Financial Group commits to donating 1% to 5% of consolidated profits to the Luthando Maduna Foundation. The Foundation runs financial education and empowerment programmes, training and development for youth and SMEs, healthcare support and bursaries for qualifying students.

Visit Our Foundation

Our process

How an arrangement comes together

Consult

Understand existing businesses, assets, liabilities, cash flows, objectives and risk.

Structure

Design appropriate entities, ownership arrangements and financial responsibilities.

Bank

Coordinate suitable transactional, collection, payment and funding arrangements.

Build or acquire

Evaluate the costs, commercial fundamentals and risks of opportunities.

Operate

Support management teams with financial systems, controls and stewardship.

Account

Establish reliable accounting processes, reconciliations and management accounts.