The Efficient Group’s business model centres around its vision, mission and values, and is supported by robust corporate governance structures and processes. Its strategy is to maximise opportunities in the financial services sector, while simultaneously mitigating risks effectively. Operational and management structures are specifically designed to deliver on these objectives. The Group started out primarily as an asset management company in 1999 and listed on the JSE in 2009. The Group has always followed a sustainable growth plan - incorporating strategy, knowledge, innovation and sound business practices - with the objective of evolving into a multi-faceted financial solutions provider. The business strategy of the Efficient Group is to be a diversified financial services provider offering customised products, professional services and added value throughout the financial services value chain. The three clusters of business units are focused on: 1. Financial Services; - Efficient Wealth - Efficient Independent Distribution Services - Stead Wealth - Secure Capital - A-Allen White - AS Sure Investment Services 2. Services and Solutions; and - Naviga Solutions - Efficient Board of Executors - Efficient Private Clients - Efficient benefit Consulting 3. Investments - Boutique Collective Investments - Boutique Investment Partners - Efficient Select - Select Manager - Rudiarius Capital Management The Group's focus is on growing and acquiring entrepreneurial, like-minded entities to expand the Group’s value chain. From a strategic perspective, the Group prefers to acquire a majority shareholding in businesses, but it will consider and pursue minority interests through-out the value chain where synergistic-, cross-sell- or future consolidation opportunities exist or where the acquisition opportunities are accretive.