Bala Naidoo is a Chartered Accountant and holds an MBA in Finance, jointly awarded by the University of Manchester (UK) and University of Bangor. His thesis focussed on the impact of the move from defined benefits to defined contributions in the retirement industry.

He is a practicing CERTIFIED FINANCIAL PLANNER® professional and a member of the Financial Planning Institute of South Africa, having obtained a Post Graduate Diploma in Financial Planning from the University of the Free State.

Bala qualified as a Chartered Accountant after having served Articles with Deloitte and Touche. He held various Senior Management positions in the Corporate Sector until 1997.
From 1998 until 2001, Bala provided financial advice through Phambili Financial Services.

Since 2002, Bala has headed up Futuristic Financial Services, until recently merging his practice with that of Absolut Wealth Management (Pty) Ltd.