Absolut Wealth Management team MICHAEL WESTCOTT FULL BIO LUCKY KRITZAS FULL BIO RYAN FIELD FULL BIO CORMAC MCCREESH FULL BIO HEINRICK KLOKOW FULL BIO FRANS WESSELS FULL BIO RICHARD HARRIS FULL BIO MICHAL BARNETT FULL BIOMICHAEL WESTCOTTMichael holds a Post Graduate Diploma in Financial Planning from the University of the Free State and an International Capital Markets Qualification from the London Securities Institute. He is a practicing CERTIFIED FINANCIAL PLANNER® and a member of the Financial Planning Institute of South Africa. Michael started his career in the Financial Services Industry working for a Boutique Stock Broking Firm and Asset Management Company in 1998. The Appleton Group bought out this Firm and subsequently listed to become a Private Client Asset Management, Stock Broking and Financial Advisory Company, where he held the position of Investment Manager, responsible for private client funds. In mid 2002 Appleton was sold to the PSG Group and in early 2003 Michael joined the Liberty Life Management Academy as an Agency Manager. In January 2004 Michael founded Absolut Wealth Management. LUCKY KRITZASEmmanuel holds a post graduate diploma in Financial Planning from the University of the Free State and also qualified as a stockbroker in 1987. He is a practicing CERTIFIED FINANCIAL PLANNER® and a member of The Financial Planning Institute of South Africa. Emmanuel started his career in banking in 1973 and was appointed as Branch Manager of Trust Bank Stock Exchange in 1978. In 1979 he joined the stock broking community where he was employed as a Share Trader on the floor of the Johannesburg Stock Exchange by various firms. In 1988 he co-founded Irish & Company Inc. He left the stock exchange in 1992 and joined a Liberty Life Franchise called Business Benefits (Pty) Ltd where he focused on Employee Benefits and Personal Financial Planning. During 1998, Emmanuel and two work colleagues resigned from Business Benefits and Started Frontier Financial Services (Pty) Ltd. A new company was registered in 2008 by the name of Frontier Financial Planning Services (Pty) Ltd. March 2017 marked the merging of Frontier Financial Planning Services and Absolut Wealth Management (Pty) Ltd. CORMAC MCCREESHEntrepreneurial financial executive with broad experience in all aspects of M&A and transaction advisory as well as a variety of accounting and taxation related services. Direct experience with financial consulting, venture capital, private equity and Johannesburg Stock Exchange. Interested in early-stage start-ups as well as companies “on the bubble.” Specialties: Transaction advisory, capital raising, mergers and acquisition, stock exchange listing and preparation for listing as well as start-up and/or early-stage businesses needing a strong financial hand, systems, training and recruitment. Member of the South African Institute of Chartered Accountants (“SAICA”). Prior to setting up Cormac McCreesh & Associates, Cormac was a partner in the Deloitte Corporate Finance division in Johannesburg, responsible for Corporate Finance activities undertaken by the firm in Southern Africa. Activities included mergers and acquisition advisory work, general corporate advisory and capital raising, and transaction services, encompassing due diligence reviews, valuation services, enterprise reviews and regulatory and Stock Exchange compliance advice. He led many assignments for international and local groups in all the categories of work listed above within Southern Africa. HEINRICK KLOKOWHeinrick is an admitted attorney of the High Court of South Africa. In early 2004, he joined an international financial institution, dealing exclusively with deceased estates, wills, trusts and estate planning. His 13 years of experience in his field of expertise gives him great insight into the practical, legal and tax consequences when structuring and administering trusts, wills and estates. He was involved in the development of an in-house deceased estate administration software program, as well as a will management software program. He regularly presents learning sessions to financial advisors and seminars to clients. He has written articles for magazines such as The Property Investor on subjects related to his fields of expertise. FRANS WESSELSFrans holds legal degrees from University of Johannesburg and UNISA, a post graduate diploma in Labour Law, as well as a HR Management Diploma. He is registered with the South African Board of Personnel Practise as a Chartered HR Practitioner. He spent 26 years in the corporate world, including 10 years at Edcon as HR Director of a subsidiary company, and 13 years at a French international bank, Credit Agricole CIB as HR Executive for South Africa. The past 4 years Frans has been consulting to corporate entities on HR management and Labour Law. He also lectures on strategic HR Management at a business school, and runs public courses on a variety of topics. His niche is balancing the strict regulatory requirements of labour law with the human elements of HR management RYAN FIELDRyan holds a Post Graduate Diploma in Financial Planning from the University of the Free State, as well as other qualifications in financial markets, instruments and wealth management. He is a practicing CERTIFIED FINANCIAL PLANNER professional and a member of the Financial Planning Institute of South Africa. Ryan started his career in the Financial Services Industry at The Hereford Group in 2009, offering holistic financial planning and graduating to a Senior Financial Planner during his 7-year tenure. He then moved to Warwick Wealth as a Wealth Specialist in 2016. Here, he specialised in investment and retirement planning, advising high net-worth clients on a variety of investments, both local and offshore, including personal share portfolios. In April 2018, Ryan joined the Absolut Wealth Management team as an Independent Financial Advisor. RICHARD HARRISRichard Harris is a CFA Charter Holder and a graduate of the University of Stellenbosch with majors in Financial planning and Investments. Richard has been involved in financial markets for almost 10 years, with a predominant focus on Equities and derivative products and has managed local multi-strategy funds. Richard has a vast understanding of financial instruments and client relationships along with macro and microeconomic factors that impact markets. He recently joined the Absolut team as an Investment Manager. MICHAL BARNETTMichal holds a BSc (Honours) Degree in Mathematics from the University of York, England as well as a Post Graduate Diploma in Financial Planning from the University of the Free State. She is a designated CERTIFIED FINANCIAL PLANNER® professional and a member of the Financial Planning Institute of South Africa. In April 2014, Michal joined Absolut Wealth Management as a Paraplanner and has since been promoted to Senior Paraplanner and a new member of the Asset Management Team. Working with the Morningstar Direct system, she has played a role in developing, selecting, monitoring and presenting funds and investment ideas, including our own Absolut Wealth Management (AWM) model Investment portfolios.