LUCKY KRITZAS

Emmanuel holds a post graduate diploma in Financial Planning from the University of the Free State and also qualified as a stockbroker in 1987.  He is a practicing CERTIFIED FINANCIAL PLANNER® and a member of The Financial Planning Institute of South Africa.  Emmanuel started his career in banking in 1973 and was appointed as Branch Manager of Trust Bank Stock Exchange in 1978.  In 1979 he joined the stock broking community where he was employed as a Share Trader on the floor of the Johannesburg Stock Exchange by various firms.  In 1988 he co-founded Irish & Company Inc.  He left the stock exchange in 1992 and joined a Liberty Life Franchise called Business Benefits (Pty) Ltd where he focused on Employee Benefits and Personal Financial Planning.  During 1998, Emmanuel and two work colleagues resigned from Business Benefits and Started Frontier Financial Services (Pty) Ltd.  A new  company was registered in 2008 by the name of Frontier Financial Planning Services (Pty) Ltd.  March 2017 marked the merging of Frontier Financial Planning Services and Absolut Wealth Management (Pty) Ltd.