Luzette Kruger

Luzette is a highly experienced and knowledgeable Financial Advisor. She joined Carrick Wealth in 2023, having worked in various capacities for some of the major private banks, investment and product houses in South Africa.


She holds more than two decades of experience in the financial services industry, has a Post Graduate Diploma in Financial Planning and is an international recognised CFP® professional at the Financial Planning Institute of South Africa.


Luzette’s experience extends to risk cover, banking, lending, saving and investing.  With a focus on business strategy, structural development, and growth, as well as estate planning, investment planning, employee benefits, and long-term insurance, she is committed to helping clients develop financial plans that guide them toward success. 


Things she’s interested in:
Luzette is a natural caregiver who cherishes spending time with family and friends. She loves hiking, traveling, and cooking. Luzette enjoys new experiences, especially those that involve music and wine around a bonfire.


Words to Live By
·   “The only way to do great work is to love what you do” – Steve Jobs

Tania Muir 

Tania joined Carrick when the group opened its office in Durban in 2014 and progressed in the operations department to head up the Offshore New Business team. During this time she successfully completed the RE5 regulatory exam and attained a Higher Certificate in Investment Administration.  

 After a brief hiatus, she returned to Carrick to assume her new role which resonates with her background in public relations and marketing. Her career in diverse industries enabled her to solidify her communication, administration, and project management skills; and she is driven by opportunities to learn and grow in any role she finds herself in, which is also supported by her willingness to adapt to new environments. 

 Her primary focus is her two teenage daughters and ensuring that they have the support and nurturing needed to fulfil their lives. She also has a passion for amateur photography and painting, which she combines with her love for wildlife and birding.  

Her favourite quote: 

“We are shaped by our thoughts. We become what we think.” – Buddha 

How you can contact her: 

Email Address: [email protected] 

Mobile Number: 074 897 4384 

Simone Lazo

Simone graduated from the University of Cape Town with a BBusSci degree majoring in Marketing.

Upon completion of her studies, Simone joined the Carrick Marketing Department where along with the Graphic Design team she has provided marketing, communication, and brand support to the Carrick group of companies.

Simone later went on to focus solely on marketing for Carrick International Property and has since taken on the role as Marketing Coordinator for the Carrick group of companies. Her role includes the coordination of marketing initiatives as well as implementing marketing plans across various traditional and digital channels.

Simone has a strong passion for marketing and brand management. In her down time, she enjoys experiencing new things, exploring new places and meeting new people.

Abrie Collard  

As the Regional Manager for Namibia at Carrick Wealth, Abrie brings over 18 years of comprehensive financial experience to the forefront, with the last eight years spent at senior executive levels. His educational journey, including Bachelor of Accounting Science, Chartered Management Accountant and Financial Planning and Wealth Management Professional Certification, underscores a commitment to continuous professional development. 

In Abrie’s capacity as a Financial Director, he successfully navigated complex financial landscapes, ensuring regulatory compliance and implementing robust strategies. His ability to cultivate enduring relationships, paired with a profound understanding of financial markets and investment strategies, uniquely positions Abrie to address the sophisticated needs of high and ultra-high net worth clients. 

At Carrick Wealth Namibia, he is dedicated to upholding the values, fostering a culture of respect and professionalism where integrity is paramount. Abrie believes that Carrick’s wealth management philosophy, encapsulated in the slogan “Preserve, Protect, and Grow Your Wealth,” reflects the group’s commitment to safeguarding and enhancing clients’ financial well-being. 

In his role as Regional Manager for Namibia, Abrie is enthusiastic about translating this ethos into tailored strategies, ensuring the lasting prosperity of our clients’ wealth in the Namibian region. He is committed to contributing to the firm’s success by delivering unparalleled wealth management services while upholding the highest ethical standards. 

Tarryn Jansen van Rensburg

Tarryn Jansen van Rensburg is a highly accomplished finance professional who has recently taken on the role of Private Wealth Manager at Carrick Athena, a groundbreaking wealth advisory firm designed exclusively for women in South Africa. With a career spanning over a decade as a Wealth Manager at PSG Wealth, she has amassed extensive experience and knowledge in the financial industry. Prior to her role at PSG Wealth, she served as a Private Banker at Absa Wealth.

Her educational journey includes earning a Post Grad Diploma in Financial Planning from the University of the Free State, a Post Grad Diploma in Management from Wits Business School, and a Bachelor of Science in Sport Science from the University of Johannesburg. 

Tarryn is dedicated to helping women achieve financial freedom, regardless of their life stage. Her commitment to empowering women along their financial journeys makes her a valuable addition to Carrick Athena. She brings a wealth of expertise, passion, and dedication to her role, and she is poised to make a significant impact in the world of wealth management for women.

Ryan Gilburt

Tell us about how you contribute to the success of Carrick Wealth as an organisation.

I am very goal orientated, both in the long and short term. I know that the team I have at Carrick will assist and support me in reaching all these goals. In turn I can bring the best professional value to all clients, both present and future.   

 What is the best part about your job?  

The best part of my job consists of learning each day how to constantly add more value for my clients and doing so beyond their expectations. I also enjoy assisting my colleagues when possible or when nee

Tell us about how you contribute to the success of Carrick Wealth as an organisation.

At Carrick we are stewards of our clients’ wealth and architects for their future investment aspirations. Having started my career in investment banking and portfolio management I contribute and add to the Carrick ‘DNA’ by leveraging these skills to ensure the efficient and successful outcome for our client’s investing ambitions whilst imparting knowledge garnered across the international wealth management landscape. 

What is the best part about your job? 

The best part of my job is building trusted relationships with clients based on applying investment strategies and solutions centered around their unique personal and professional circumstances and guiding them through the investment journey to attaining their desired outcomes.

Tell us about your personal and professional growth while working at Carrick. 

Carrick has allowed me the platform and the opportunity to execute on skills garnered across the width of the wealth management landscape and focused it to best serve our clients, their accumulated prosperity and most importantly, their family’s future abundance. 

What is a typical day at work like for you?

My day starts off with a roundup of overnight global market updates and keeping abreast of any macro-economic changes affecting client portfolios. The majority of my day is spent in consultation with clients structuring and caretaking bespoke investment solutions. 

Ratnesh Unnuth

Tell us about how you contribute to the success of Carrick Wealth as an organisation.

My main duties and responsibilities within Carrick Wealth as a Private Wealth Manager are to provide expert advice to my clients and prospects on all areas of financial planning and to help them with making informed financial decisions. With more than 12 years in the banking and wealth management industry, I have gained an incredible amount of experience which has made me adept to control, customer service and revenue generation. 

Carrick Wealth has encouraged me to be completely goal oriented. This has surely helped in setting up new goals and objectives and in managing expectations both from clients and management. Furthermore, building an excellent rapport and relationship with clients is key to modern business and Carrick’s approach has enabled me to provide this euphoric experience to my clients. 

There is a strong element of teamwork in the Carrick culture, which makes the business a place that everyone is excited to come to every day and to perform at their best level. I also strongly believe that Carrick Wealth has the potential to help grow the career of financial advisers like me.

What is the best part about your job? 

The best part of the job is when you see client satisfaction, which automatically brings personal inside satisfaction to yourself. I believe that enabling the euphoric experience helps surely in retaining the clients, building better rapport and in encouraging clients in referring new prospects to us. 

Tell us about your personal and professional growth while working at Carrick. 

I believe that the organisation has helped in enhancing my interpersonal skills, which has triggered more confidence in myself and brought in the ability to be successful with dedication and hard work.  

Over and above my personal growth, the knowledge and expertise I have gained in the last year, since joining Carrick, has been remarkable, especially with training in all aspects of the industry by qualified and experienced personnel.

What is a typical day at work like for you?

A typical day will usually involve two to three meetings with clients both in the office through online virtual meetings and out-of-office meetings.  When no meetings are set, I spend a lot of my day prospecting with new clients and trying to generate more qualified leads for further prospecting.

Abigail Reynolds

Abigail was born in India and had already lived in India, Italy and South Africa by the time she was 3 and her family returned to live in their home country of Zimbabwe. She completed junior school in Zimbabwe and then high school in Cape Town, South Africa. She then completed her BA.LLB degree at the University of Cape Town, where she finished on the Dean’s Merit List. She was a Rotary Exchange Student for a year in Argentina, having sailed her way there as a member of the first ever school team in the Cape to Rio yacht race. During her studies she also lived and worked for various months at a time in Europe, to gain a broader perspective.

She completed her law articles at DLA Cliffe Dekker Hofmeyr, then went on to consolidate her love of corporate and commercial law under a well renowned mentor attorney at Bernadt Vukic Potash and Getz. To deepen her corporate transactional experience she spent 4 years in the merger and acquisition team at Investec Private Bank, Cape Town.

In 2012 she opened her own law practice trading as Reynolds Attorneys, under which she and other specialist attorneys offer bespoke law services to a range of clients. The services offered by her firm include corporate & commercial law; wills, estates and trust law; labour law; litigation; conveyancing; mediation; and IT, technology and electronic communications related law.

She is a qualified and practising mediator, and volunteers at the Wynberg Children’s Court one Saturday each month to mediate disputes between parents.
She has been elected to various law committees, including at a national and provincial level.

She is a passionate eco warrior and loves the outdoors, and is as comfortable in water as on land. She loves her dogs fiercely, and the same for her husband and friends.

Katrien Fouche

Katrien is a fiduciary specialist who focusses on estate planning and trust-related services. Katrien is an admitted attorney with a BCom(Law), LLB from Stellenbosch University. Katrien further obtained a Post Graduate Diploma in Tax Law (HDip Tax) from the University of the Witwatersrand.

Katrien grew up in the Western Cape and on completion of her studies she joined ENSAfrica in Johannesburg, where she gained experience in banking and finance law, local and international tax and corporate restructurings. During this time her interest in private client work in the fiduciary space was sparked by exposure to estate planning, tax planning for individuals and drafting of wills and trust deeds.

She then decided to join the fiduciary services industry as a fiduciary specialist, working with high-net-worth individuals as professional independent trustee, administering trusts, providing estate planning services and drafting of wills and various agreements.

Family is the most important thing in life to Katrien. She enjoys spending quality time with her husband and children, and taking walks with her dogs.

Seugnette Schwim

Seugnette studied and obtained her LLB from the Northwest University in Potchefstroom.  She started her career under the mentorship and training of specialists in various financial and legal disciplines as panel member and legal advisor at a consulting firm.  It is here where her passion for the growing and preservation of wealth for her clients developed into a life mission.   

Seugnette went on to qualify as a practicing attorney, specializing in the fiduciary field.  After spending a short period of time in the corporate sector, it was Seugnette’s holistic approach to dealing with a family group’s assets that fit perfectly into the Wealth Succession methodology that she now actively applies to Carrick Consult Clients as Fiduciary Consultant.   

As a Director of Schwim Venter Inc., Seugnette guides her clients through the obstacles of Personal and Property law as it pertains to their wealth structure.  Seugnette holds an LLM in Estate Law from the Northwest University.