The Team
Kim Frost started Bespoke Financial Services in 2001. In addition to being a profitable, sustainable business, Bespoke is a business that our team can feel proud of. We aim to be an entity that not only creates value for our clients but also for our staff. We strive to be one of the key drivers for positive change in the financial services industry.
We believe that what our clients want from us is peace of mind and, in an ever-changing world, circumstances are transforming all the time. We work hard to ensure continuity and stability through our sound advisor-client relationships.
Kim Frost
Certified Financial Planner®
RLP®, CFP®, Advanced Postgraduate Diploma in Financial Planning
General Tax Practitioner (SA)™
Advanced Postgraduate Diploma in Estate and Trust Administration
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RE5 Certification
RE1 Certification
With 20 years in the investment industry and a desire to be involved in it since she can remember, Kim’s passion for her clients and her business are plainly obvious. She is fortunate to be doing what she loves and to be helping people in the process.
She will, however, be the first to confess that her clients have taught her invaluable lessons over the years. Through her management of deceased estates, Kim says one of the constant sentiments shared by families are their memories of their loved ones and the places they travelled to – not their material possessions. Kim has taken this particular lesson to heart by going on frequent trips with her husband and two sons.
The word ‘bespoke’ means tailor-made: a service large organisations cannot consistently offer their clients. Because Bespoke Financial Services is truly independent, Kim has the ability to treat her clients as individuals, while aligning their investment strategies and goals.
She says she regularly pulls apart her investment portfolios and looks at them as if another advisor had recommended them, analysing every investment decision and looking for where performance can be improved. Because she does this for every client she has – something that is rare even with independent financial advisors – Kim has retained most of the clients she signed when she started out. And while some have passed away over time, she knows she has succeeded in her function as a financial planner when she says, “They ran out of breath before they ran out of money. That is something that is very important to me.”
Dedicated to constant learning, Kim has completed the Graduate Programme in Advanced Taxation from the University of Pretoria, as well as the Advanced Postgraduate Diploma in Estate and Trust Administration. She is a registered tax practitioner and a member of the SA Institute of Tax Professionals and FISA. She is also a Registered Life Planner with the Kinder Institute; she is trained to first discover a client’s most essential goals in life before formulating a financial plan, so a client’s finances fully support those goals.
BCom Finance
BCom (Hons) Financial Management
RE5​ Certification
RE1 Certification
Postgraduate Diploma in Financial Planning
CFP®
Intermediate Taxation​
Sia spent the first four months of her life in Russia before moving to Zimbabwe. She had dreams of becoming a lawyer until a friend inspired her to pursue banking instead. Sia came to South Africa and completed her undergraduate and honours degrees in finance at the University of Johannesburg. She has been working at Bespoke since 2013.
“Every day when I come to work, I know more than I knew yesterday,” Sia commented. “I love learning new things, but I also enjoy the confidence I get from knowing my job better and better.”
She has completed her RE1 and RE5 Certification, the coveted Certified Financial Planning® qualification as well as intermediate taxation. Looking ahead, Sia aspires to be an established financial planner in the near future.
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At Bespoke Sia meets with clients, completes Wealth Management reports as well as Financial and Retirement Plans for clients, draws up Liquidation and Distribution Accounts, completes SARS Approval International Transfer applications, and she is responsible for staff training.
Sia Chimbganda
Certified Financial Planner®
Nonhlanhla Dhladhla
Estates Manager
BCom Finance
BCom (Hons) Financial Planning
RE5 Certification
Advanced Diploma in Estate and Trust Administration​
Nonhlanhla joined Bespoke in 2018 as an intern, as part of the ASISA IFA Internship Programme. Born in 1994, she grew up in Soweto. She has a B. Comm Finance degree from the University of Johannesburg. She passed the Chartered Institute for Securities & Investment exam in 2017.
“My goal is to make a positive contribution to the role played by good financial advice and planning in our communities, and I believe that I am in the right place to achieve that goal,” Nonhlanhla commented.
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Nonhlanhla is responsible for Estate Planning reports, drawing up Liquidation and Distribution Accounts and performing Estate Liquidity reviews, Deceased Estate administration, Trust administration, Death Claims administration and Investment Transfers for heirs and beneficiaries as well as Income Tax and Estate Duty calculations for deceased clients.
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Kholu completed her B.Comm Investment Management and Banking degree at the University of the Free State after which she completed a Postgraduate Diploma in Financial Planning with the same institution.
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"My goal is to become impactful by tackling some of the economic challenges facing the South African working class that are due to a lack of financial literacy. I am confident that I am well on my way there, as I am currently learning and growing my skills in the financial services industry with the amazing opportunity presented at Bespoke".
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Kholu's duties at Bespoke include for new client meetings, Wealth Management reports, Estate Planning reports, Liquidation and Distribution Accounts, and Administration for new and changes to Investments.
BCom Investment Management and Banking
Postgraduate Diploma in Financial Planning
RE5 Certification
Kholu Thamae
Wealth Management Associate
Representative under Supervision
Lené completed her Bachelor’s and Honor’s degrees at the University of Stellenbosch before working as a content writer for a few years. While research and content writing appealed to her, she felt a longing to enter an industry where she would make a lasting impact, and where she could grow and be part of a team.
“That’s exactly what I found at Bespoke. I’m immensely grateful for the spot of luck that brought me here, and I hope to be a part of this team for many, many years.”
Lené joined Bespoke in July 2024 and continues to study towards becoming a financial planner, hoping to someday help people achieve their long-term investment goals and establish a secure financial future for themselves and their loved ones.
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Lené's responsibilities include drawing up Annual Reviews, Liquidation and Distribution Accounts, Office Administration, Wealth Management Reports and Administration for new and changes to Investments.
BA Arts (Language and Cultural Studies)
BA (Hons) Chinese Studies
RE5 Certification​
Lené le Roux
Paraplanner
BA Law
LLB
Admitted Attorney of the High Court of South Africa
Gabriella is the latest addition to our Bespoke Family. Having grown up in Krugersdorp in a closely knit Portuguese family, she has a strong sense of community and appreciates the value of Family.
Gabriella started her articles in 2016 while in her final year of completing her L.L.B Degree at the University of Pretoria. She was admitted as a practising attorney of the High Court of South Africa in August 2020. She has gained experience in litigation, family law, commercial law, property law and estates administration in the last 5 years, practising as an Attorney before hanging up her robe to join Bespoke as our legal compliance officer while assisting with trust and estates administration, inclusive of the drafting of our client’s Wills.
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In deciding to leave litigation for the financial planning sector, Gabriella hopes to use her knowledge and skills gained from practising as an attorney to offer a different perspective and approach for our clients so as to enhance their “bespoke” experience.
Gabriella Caldeira
Risk and Compliance Manager
RE5 Certification​
Allie was raised by her grandmother in Zimbabwe while her parents pursued careers in South Africa and after completing school, she joined them. Allie’s mother had worked with Kim and so their paths crossed many times over the years. Allie started working for the same company as her mother and as Bespoke grew, Kim realised she needed an additional administrator and recruited Allie to join her in 2014.
Allie has her RE5 Certification and has completed a course in personal income tax for financial planning.
“I still have lots to learn,” she laughs, “so I will be here for a long time. I am learning so much!”
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Allie completes Tax Administration for clients, audits on client files and Fundhouse mandates and is responsible for general office administration.
Allie Ncube
Tax Administrator
Fiona Marais
Investment Schedule Manager
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Portfolio valuations
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Seed Analytics Administration
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Office Administration
Fiona manages portfolio schedules, valuations, and administration for Bespoke. With a strong background in office management, she also gained international business experience in Angola’s import and export sector. After returning to South Africa, she applied her skills in a busy medical practice before joining Bespoke in March 2022. She has since relocated back to Angola, where she is currently based, and remains an integral part of the team.
Kerry joined Bespoke in March 2022 and, using her extensive experience of data analysis, is responsible for generating graphics and tables to ensure clients are able to view their investment performance graphically, visualise the impact of investing on wealth accumulation as well as retirement funding, and understand liquidity in their estates.
Kerry completed her BSc (Hons) in Microbiology at UCT and went on to complete her MSc in Biochemistry at the University of Natal. She worked in the mining industry for 30 years, mainly concentrating on projects that would have a positive impact on the environment such as soil decontamination using plants endemic to South Africa, and many projects involving water, to ensure more responsible usage of a resource more important than the commodity itself.
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“Bespoke is the most ethical company that I have ever been involved with and I hope to be able to add value to a truly remarkable team”.
Kerry contributes to work flows, systems, compliance, training and portfolios.
BSc (Hons) Microbiology
MSc Biochemistry
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Kerry Christie
Projects and Administration
Nita grew up in Johannesburg and joined Bespoke in 2024, after being a client for many years. She started her career in imports and exports and then moved on to managing a very busy medical practice in Johannesburg for many years. She recently moved down to Cape Town and enjoys the organised, professional and ethical standards upheld at Bespoke.
Nita assists with compliance and administrative procedures including portfolio valuations.
Nita Moore
Client Compliance and Administration
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Portfolio valuations
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Client compliance
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Office administration
Noluthando joined Bespoke in 2024 and plays a key role in office administration. Based in Cape Town, she currently focuses on administrative support, with plans to take on more responsibilities as she grows within the company. Before joining Bespoke, she gained valuable experience working at the Taj Hotel, where she developed strong organizational and customer service skills. Her journey with Bespoke began through a family connection, leading to an exciting opportunity to further her career.
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“I believe in continuous learning and growth – both in my career and in life.”
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Office administration
Noluthando Qokela
Administrator
Derick Ndima
Office Administrator and Driver
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Office administration
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Deliveries
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Flower arranging
Derick’s former experience as a chef comes in handy, with his extensive family! After the restaurant and catering industry, Derick moved to a florist where he quickly gained additional skills. Kim was one of his clients and, appreciating his friendly professionalism, she recruited him in 2014.
Derick arranges all the office flowers, prepares clients' bouquets and fulfils all Bespoke’s delivery needs. He has acquired computing and office administration skills and ably assists with these tasks.
“I want to master the computer,” he says, “and know all the admin functions of Bespoke.”
Our phenomenal support team!
We are immensely grateful to our support team for keeping Bespoke well-maintained.
Collin Ndlovu
Mandisa Mtshizana
Noxolo Thwani
Fumani Sibanda
