Our Leadership Team has over 170 years’ industry experience


Chris Oosthuisen

“Some entrepreneurs think how can I make a lot of money? But the better way is to think how can I make people’s lives a lot better? If you get it right, the money will come.” – Richard Branson

Chris is the owner of Insurance and Wealth Creation Professionals (IWCP) – a Liberty Affiliate that is leading the way for the new Generation of Financial Planners. He has over 17 years’ of corporate experience in the industry with the last being National Head of Sales at Liberty before deciding to open his own business.

IWCP was established in 2019 with the merger of two well established businesses Liberty Affiliates, Combined Life and Cradle House who have been successfully operating for more than 20 years. With the wealth of experience and new leadership in IWCP we created a unique blend of old school values with innovative thinking. With our core purpose to help change South Africa a policy at the time backed by sound professional advice.

At IWCP we aim in providing Financial Advisors the best platform in the industry that includes Financial Planning Specialist, Tax Consultant, Estate Planning Specialist, Corporate Specialist, Investment Specialist, Marketing Strategy and a strong Administration team.

My focus is on developing and constantly improving this proposition for the dedicated IWCP team to ensure that they can better look after their valued clients

  • B.Comm (NWU)
  • B.Comm (Hons) (NWU)
  • M.Comm (UJ)

Awards & Achievements:

  • Agency Gold Branch Manager of the year 2005.
  • Liberty Award Passion for Excellence 2007.
  • Regional Head of the Year multiple times.
  • Liberty Challenge winner multiple times.
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Years' Experience

Leadership Team

Noel Shorten

My mission is to have a positive impact in changing the lives and financial wellbeing of those I meet.”

Noel started his career with Liberty in 1987 when he was the first Sales Manager of the Sales and Marketing Management School. He progressed rapidly through the programme and within 6 months had is own unit within the Braamfontein Branch.

He went on to run a branch in the North City Group, Sandton Branch and was then moved to the Bank of Lisbon building where he was responsible for a number of managers. Noel was then transferred to Head Office reporting to the Head of Agency and took up the role of Regional Manager – the regions managed over the years were numerous.

In 1999 Noel decided to start his own Franchise in Randburg, which he merged with another Franchise to form Combined Life in 2002, which ran successfully for 16 years before taking up the new venture and challenge with IWCP In January 2019.

  • FIBS
  • DPFM
  • O&M Diploma
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Years' Experience

Mike Clifford

I make it my mission to provide individuals and families with financial peace of mind.”

Mike has been with Liberty since 2005 and is a Unit Leader at Insurance & Wealth Creation Professionals (IWCP). Mike brings a wealth of experience to the IWCP Leadership Team and is passionate about helping people achieve their financial dreams. 

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Years' Experience

Ernst Wilkins

“My mission is to change peoples financial futures.”

Ernst started his career with Liberty in the Agency Division in 2008. Having spent 10 years with Agency, when the opportunity arose to be part of an Affiliated Partner of Liberty, he decided to take his practice to the next level and joined IWCP in 2019 as Unit Manager for IWCP Jakaranda Branch.

Ernst is an accredited FINANCIAL SERVICES ADVISOR™ and believes that the true meaning of being successful a Financial Planner is a mindset to help people protect what is most important to them. He gets up every morning with a mindset to change someone’s life, and believes that doing what he does gives him peace of mind that people will be financially looked after should any life changing event take place. 

  • Postgraduate Diploma in Financial Planning
  • NQF 6 Advanced Certificate in Financial Planning
  • NQF 5 Certificate in Wealth Management
  • First Level Regulatory Examination: Representatives
  • Corporate School / Corporate Benefits
  • Advanced Investment Planning


Awards & Achievements:

  • 2009 – Platinum High Flyer
  • 2010 – Double Platinum High Flyer
  • 2010 – Branch Advisor of the Year
  • 2011 – Financial Planner of the Year Runner Up
  • 2012 – Financial Planner of the Year
  • 2012 – FA Status
  • 2013 – FA Status
  • 2014 – FA Status
  • 2015 – FA Status
  • 2016 – FA Status
  • 2018 – FA Status
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Years' Experience

Willem Barnard

“I strive daily to make a difference in every single client’s life that I have the pleasure of working with.”

Willem started his journey as a Financial Advisor with the Liberty Group in 2010 after completing his BSc Hons in Actuarial Sciences (NWU). Following his passion to make a difference, Willem is a firm believer that the Financial Advisor profession is one of the most rewarding careers one can pursue.

He has received several awards and achievements throughout his tenure with Liberty Life. In 2012 he broke the record of being the youngest person to finish within the Achiever Group (Top 25) of the company in Liberty’s history.

As Unit Leader of IWCP Platinum he leads with the motto that as professionals they have the goal of changing Rustenburg and the surrounding areas through every single client they assist.

Willem is an eternal optimist, seeing the best in people or situations and trying to make the world a better place. He believes in continuous professional development and strives towards it daily.

In Willem’s own words: “I strive daily to make a difference in every single client’s life that I have the pleasure of working with through professionalism and competence. I am extremely blessed to have the pleasure of living my passion every single day of my life.”

  • BSc in Actuarial Sciences (NWU)
  • Hons in Actuarial Sciences (NWU)
  • Post Graduate Diploma in Financial Planning (UFS)


Awards & Achievements:

  • Youngest person to finish within the Achiever Group (Top 25) of the company in Liberty’s history  (2012).
  • Willem has received several awards throughout his tenure, achieving Production Club statuses almost every year since inception.
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Years' Experience

Johann Nienaber

“My mission is to help others achieve their financial goals.”

Johann is the Franchise Principal of IWCP Resolute and a Senior Financial Advisor. He started his career with Liberty in 2010 and joined the IWCP Leadership Team in 2019.  Johann makes it his mission is to help others achieve their financial dreams and creates value for his clients by deeply understanding their goals, designing personalised financial plans and simplifying complex financial concepts. As an Advisor Johann offers each of his clients with a financial solution tailored to their goals whilst also addressing their needs and risk concerns.

  • Postgraduate Diploma in Financial Planning
  • Registered Member of the Financial Planning Insitute (FPI®)
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Years' Experience



Aletjé van den Berg

Fiduciary Specialist

  • Drafting of Wills
  • Safe Custody of Wills
  • Estate Planning & Liquidity Calculations
  • Administration of Deceased Estates
  • Administration of Testamentary Trusts
  • Registration of Trusts
  • Member of the Fiduciary Institute of South Africa
  • BCom. Business Management and Law
  • LLB
  • LLM (Estate Law)
  • Practicing Attorney

Julio De Macedo

Tax & Accounting Specialist

  • Individual tax consulting and returns.
  • Business tax consulting and returns.
  • Value added tax consulting and compliance.
  • Payroll tax and compliance.
  • Preparation and compiling of Financial Statements.
  • Accounting Officer Engagements.
  • Independent Review Engagements.
  • Preparation of working papers and audit files for auditors.
  • Business advisory and consulting.
  • Monthly accounting, payroll and bookkeeping services.
  • Professional Accountant (SA) & Professional Tax Practitioner (SA)
  • Member South African Institute of Professional Accountants
  • Bachelor of Accounting Science (BCompt)
  • Certificate in Financial Services Wealth Management [RFP2]
  • Certificate in Financial Management

Admin Team


Anna Ngwenya



Taryn Pienaar



Phumlani Mkhize