Are you saving or investing your money?  You may use our services. We specialise in investment and life insurance.

For the past 18 years we have operated an independent brokerage. Elsa Pienaar is our key individual with 24 years of experience as a financial advisor. She has passed the RE1 and RE5 examinations and also has a NQF Level 5 qualification. Ryno Gerber is a representative of Fintip Financial Services and also has a NQF Level 5 qualification and passed his RE1 and RE5 examinations.

We also belong to Masthead, the professional company who acts as our compliance officer. Masthead ensures that we are in line with the POPIA, FICA, FSCA, and general code of conduct for financial advisors’ legislation and that we at all times operate in the best interests of our clients. 

Our license number is 5409 and we are registered with the FSCA with a category 1 license allowing us give advice and deliver intermediary services. 

Trust us to navigate the intricacies of the finance landscape to ensure your financial goals are met and your future is secure. Join us at Fintip Financial Services, where your financial success is our top priority.

Elsa Pienaar

Elsa Pienaar


I have been an independent Financial Adviser for the last 24 years, starting doing my beginners course with Old Mutual in 1996. It is my vision and mission to teach clients to be financially independent and to maintain their financial independence. I do strive to deliver such a service to my existing clients that they refer me to their friends and family as a credible and trustworthy Financial Services Provider.

Ryno Gerber

Ryno Gerber


Ryno has been working as a representative at Fin Tip since January 2022. He is a qualified accountant and completed his SAIPA article. Ryno has 6 years experience in accounting and auditing and his biggest passion is assisting clients with their wealth. Ryno passed his key individual and representative examinations and is writing his SAIPA examination within the next year.