About Us
WHO WE ARE
AVIB is an independent consulting and actuarial practice
AVIB is an independent consulting practice dedicated to providing robust support for managing employee benefit arrangements. Established in January 1997, AVIB emerged during a pivotal moment in South Africa’s history, just a few years after the dawn of democracy.
Our roots trace back to rural KwaZulu-Natal, where AVIB’s journey began under challenging circumstances. The foundation was built on a clear vision to provide ethical financial services and expert advice in a market traditionally dominated by a select few. This vision was driven by a deep passion for transformation, the courage to challenge industry norms, and a steadfast commitment to excellence.
Today, AVIB stands as a trusted force within the financial services industry, empowered by a highly skilled team of consultants. These professionals, who have held senior management positions at leading firms, bring unparalleled expertise and a deep understanding of both the financial sector and client needs.
As an independent consulting practice, AVIB operates free from ties to product and service providers, such as financial risk providers, administrators, and asset managers. This independence ensures that our advice remains objective, transparent, and always in the best interests of our clients.
OUR PHILOSOPHY
UBUNTU
Through the timeless African philosophy of Ubuntu – “I am because we are” – AVIB embraces the interconnected nature of financial wellbeing, where individual success strengthens our entire community. As your independent financial services partner, we weave together diverse perspectives and experiences into a tapestry of shared prosperity, guided by unwavering Honesty, Integrity, Trust, and Unity. When you choose AVIB, you’re not just selecting a service provider; you’re joining a community that transforms the principle of Ubuntu from philosophy into practice, creating pathways to prosperity that honour both individual achievement and our collective journey forward.
Get to know us
What We Do
At AVIB, we specialise in providing innovative and tailored consulting solutions that empower our clients to navigate the complexities of employee benefits and medical aid arrangements with confidence. Our expertise extends to working closely with stakeholders to create strategies that are practical, efficient, and aligned with their unique needs and goals.
For discerning investors, we offer personalised financial management and investment growth solutions. Whether you are an individual looking to secure your future or a group seeking collective financial success, our expert team is committed to guiding you every step of the way.
For families, we provide specialised guidance in family governance, ensuring that your wealth is not only preserved but also grows into a lasting legacy for generations to come. Our approach focuses on creating generational wealth that withstands time, economic shifts, and evolving family dynamics.
At the core of AVIB’s ability lies a team of highly skilled and technical consultants whose expertise has been honed through years of experience in senior management positions at leading firms. Their contributions have been recognised across the industry, and their deep understanding of the market—both inside and outside financial services companies—allows them to deliver exceptional solutions. This expertise is coupled with strong negotiating skills and a commitment to humility, ensuring their focus remains solely on client success.
As a completely independent consulting practice, AVIB is free from ties to financial services providers, administrators, and asset managers. This independence guarantees that our advice is entirely objective and always in the best interests of our clients.
Our services are built on a foundation of innovation, resilience, and integrity—principles that have guided us since our establishment in 1997. Since our inception in rural KwaZulu-Natal, we have evolved into a strategic financial partner, serving diverse clients across South Africa’s comprehensive financial landscape. Our commitment remains steadfast: to deliver exceptional financial solutions that authentically represent and advance the economic aspirations of all South African communities.
At AVIB, we do all of this with the spirit of Ubuntu: I am because we are. Ubuntu is not just a guiding principle for Africa but a universal call for shared human values. It is the cornerstone of AVIB’s philosophy, embodying our core values of honesty, integrity, trust, and unity.
We are not just consultants—we are collaborators in building a future where economic empowerment and shared prosperity are within reach for all. Our belief in oneness, our commitment to meaningful change, and our Ubuntu-driven approach set us apart, inspiring confidence in every client we serve.
Our Diverse Client Base
Who We Work With
We’re proud to support a wide range of organisations, from big corporations to local heroes. Whether you’re a small team of just 2 members or a large organisation with thousands of members, we have solutions tailored just for you.
Our client family includes:
- Thriving listed companies looking to stay ahead
- Growing small and medium businesses
- Industrial investment funds
- Employers with global reach
- Government and public sector teams
- Charities making a real difference
- Unions supporting working professionals
From our smallest fund with just 2 members to our largest with thousands of members, we have the flexibility and expertise to meet your unique needs. Every organisation is different, and we get that. Our approach? Flexible, smart solutions that fit exactly what you need.
We don’t just provide services – we build partnerships that drive your goals forward.
Interested in seeing how we can support your organization? Let’s talk.
Mission
To create meaningful connections that empower individuals and groups to thrive, offering guidance and solutions that nurture stability, prosperity, and peace of mind through every stage of life.
Vision
To be a trusted cornerstone in our clients’ journeys, delivering transformative financial solutions that inspire hope, build resilience, and create lasting legacies in an ever-changing world.
Values
Client First
We are unwavering in our commitment to placing our clients at the centre of everything we do. Their success, stability, and well-being are our ultimate measures of achievement. Every decision we make is rooted in what serves their best interests, ensuring that our guidance is both objective and impactful.
Trust and Integrity
Trust is the foundation of every relationship we build. Guided by honesty and transparency, we hold ourselves accountable to the highest ethical standards. Our actions consistently reflect our promise to act with integrity, fostering confidence and enduring partnerships.
Shared Success
We believe in growing together. Our solutions, products, and fees are designed to ensure that our success is intertwined with the prosperity of our clients. When they thrive, we thrive, and together we create a legacy of mutual achievement.
Excellence in Service
Excellence is not an option; it’s our standard. We strive to deliver tailored solutions and unparalleled service, recognising that every client’s journey is unique. By understanding their needs and aspirations, we aim to exceed expectations and provide peace of mind in moments that matter most.
Unity and Ubuntu
I am because we are. This African philosophy underscores our belief in community, connection, and shared purpose. At AVIB, we embrace unity and collaboration, recognising that collective strength and human values drive progress and prosperity for all.
Experts
Meet Our Team
AVIB’s ability is underpinned by a team of highly technical and experienced consultants, previously employed in senior management positions of leading firms and whose contributions have been recognised in the industry.
AVINASH HANNUMAN
Director Health
SANJITH HANNUMAN
Director
WAYNE MIDDLETON
Director
WE ARE ALWAYS READY
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Enjoy comprehensive financial advice and simple solutions to help you create, grow and protect your wealth and assets.
AVIB. Aspire To Inspire.
AVIB is an independent consulting and actuarial practice that provides stakeholders with a support structure
to manage their employee benefits arrangements. AVIB was born in January 1997, a few years after our country achieved democracy.