CFP® financial planner in Cape Town · Gradidge Mahura Investments
I am Munaf Mukadam, a financial planner and wealth manager. I advise individuals and families on investment strategy, retirement planning and retirement income, offshore investing, tax and preserving wealth over the long term, with every decision considered as part of one plan.
Based in Century City, Cape Town. Consultations in person or online, across South Africa.
Who is Munaf Mukadam?
Munaf Mukadam is a CERTIFIED FINANCIAL PLANNER® professional and Wealth Manager based in Cape Town, practising as a Financial Planner since 2013. He is a member of the Financial Planning Institute of Southern Africa and provides independent financial advice through Gradidge Mahura Investments (Pty) Ltd, an authorised Financial Services Provider (FSP No. 36327).
Munaf specialises in investment management, retirement planning, offshore investments and tax-efficient investment strategies.
In short
I work primarily with individuals and families who have accumulated meaningful retirement and investment assets and want considered advice on where it goes next.
Your savings sit in several places: retirement annuities, a pension or provident fund, investments in your own name. You want them to become one dependable, tax-efficient income.
You want to know your drawdown is sustainable, your income is drawn in the right order, and your capital is invested for the decades ahead.
An inheritance, a retirement package or the sale of a business or property. A large, one-off decision that deserves a considered plan.
You already have an adviser or manage your own portfolio, and want an objective review of the strategy, the costs and the structure.
How much to hold abroad, in which structures, using the annual allowances, and how offshore assets fit your tax and retirement plan.
Your wealth is tied up in a business. Planning how it becomes personal, diversified and retirement-ready wealth, in the right order.
How I Can Help
Explore practical guidance on the financial decisions that matter most. From preparing for retirement to managing investments, minimising tax and preserving wealth for future generations.
Understand your retirement options, how much income you can sustainably draw, the tax implications of retirement and how to structure your investments for financial security.
Read the guide →2GUIDEExplore Shari’ah-compliant investment strategies for retirement, wealth creation and preservation, including local and offshore investment opportunities.
Read the guide →Make informed decisions about income drawdowns, investment selection and managing your retirement capital to provide a sustainable income throughout retirement.
Explore articles →4Understand the benefits of global diversification, offshore investment options, currency exposure and the tax and estate planning considerations of investing abroad.
Explore articles →5Explore strategies to structure your investments more tax-efficiently, including retirement funds, tax-free investments, endowments and discretionary portfolios.
Explore articles →How I Work
Good financial planning starts with understanding your circumstances, priorities and long-term objectives.
My approach is to consider your financial position as a whole, ensuring that your investments, retirement planning, tax considerations and estate planning work together towards your financial goals.
I focus on providing clear, objective and practical advice that helps you make informed decisions, manage risks and build long-term wealth.
The aim is to add meaningful value, not unnecessary complexity. Where your existing financial arrangements are appropriate, I am equally comfortable recommending that you retain them.
Advice that considers how your investment, retirement, tax and estate planning decisions fit together.
Recommendations based on your circumstances and goals, including retaining existing arrangements where these remain appropriate.
Regular reviews and adjustments as your circumstances, needs and financial priorities change.
We discuss your circumstances, objectives and priorities, and identify the areas where advice may add value.
I review your existing arrangements, assess relevant options and prepare recommendations tailored to your circumstances.
We discuss the recommendations, agree on the appropriate actions and implement any changes where necessary.
We review your strategy over time and adjust it as your circumstances, objectives and needs evolve.
Whether you’re approaching retirement, reviewing your investments or looking for a second opinion, an initial conversation can help identify opportunities, address concerns and provide greater clarity on your financial decisions.
Let’s explore how I can help you make the most of your wealth.
Request a Private Consultation →We were introduced to Munaf via Gradidge Mahura Investments (Pty) Ltd (GMI) who were appointed to assist UCTRF members approaching retirement with retirement planning. Munaf's service ethic, professional attitude, and his knowledge of investment products, including Sharia compliant products met all of our expectations.
Munaf had come recommended to me when I was looking for someone who could advise me on my retirement policies, given that I was at a crossroads work wise and approaching retirement. He is meticulous, attentive and a good listener who took time to establish what my needs were, offered me options and gave me facts to make my own decisions.
Munaf has been my financial advisor for over 8 years he has assisted me with many financial decisions. His open and honest approach to advice and informing has been greatly appreciated over the years.
A brief intro
Financial planning is not about products. It is about making better financial decisions over time. In this short video I explain how I approach investments, retirement and long-term planning, and what working together looks like.
Watch my 6-part series on tax-saving strategies at retirement →
2026/27 tax year. Last reviewed .
Rules and figures on this page were checked against these official sources on 9 October 2026.
What to check and decide at each stage, on one page.
Private consultation
Tell me a little about your circumstances. I read every enquiry myself and will let you know how I may be able to assist.
Prefer to email or WhatsApp? Please use 074 589 6489 (WhatsApp) or munaf@gminvestments.co.za.
Loading the form… If it does not appear, please call 074 589 6489 or email munaf@gminvestments.co.za.
At our office in Century City, Cape Town, or by Microsoft Teams or Zoom video call, so I work with clients across South Africa.
Investment strategy and portfolio structuring, retirement planning and retirement income, offshore investing and tax-efficient investing, including Shari'ah-compliant solutions. The aim is one plan where these decisions are made together.
Yes. All of my investment strategies are also available in Shari'ah-compliant formats, including offshore options, and every recommendation is checked for compliance as well as for tax, cost and fit with the rest of your plan.
We discuss your circumstances, objectives and priorities, and identify the areas where advice may add value. After that I review your existing arrangements and prepare recommendations tailored to your circumstances.
Estate planning is not a service I offer. For wills, trusts and estate plans I work with the estate planning specialists at Gradidge Mahura Investments. What I do cover is how your retirement and investment decisions affect your estate, such as beneficiary nominations, how a living annuity passes to your family, and keeping enough cash available for estate duty.
Only where it adds meaningful value. Sometimes the best advice is to retain what you already have. Where your current arrangements are appropriate, I will explain why, rather than recommend changes that offer little or no benefit.
Yes. Many clients come to me with an existing adviser or a portfolio they manage themselves and want an objective review of the strategy, the costs and how it is structured.
A10, Grosvenor Square, 10 Parklane
Century City, Cape Town
Tel: 021 204 2920
