About Us


Future 123  

    Adi Fourie

Adi Fourie, B,Sc., H.D.E. (UPE), Bus. Man.Dipl. (Damelin) originally started his career as a Mathematics and Science teacher.

After that he joined AECI as an Industrial Chemist, worked in sales for a few years, before joining Liberty Life as an agent in 1997.

He has 16 years experience in financial management and in looking after clients' investment portfolios.

The Future123 concept was born in 2006.

We have specialised in Investment Managment, although we also look after Risk management, Partnership Assurance and Medical Aid for our clients where necessary.

Over the years we have built up personal relationships with many, many satisfied working and retired clients for whom we actively manage their investments and pensions.

During this period Adi spent 3 years working under supervision at Foster Wealth Management, a Category 2, Discretionary Investment Manager and this was fruitful in gaining experience in "Active" portfolio management and construction.

We have structured Model portfolios and we assess and evaluate their performance regularly against the targeted outcome.

If you become aware, or we determine this through a Financial Needs Analysis, that you have a shortfall in achieving your Investment and retirement goals, i.e. that a "Cognitive dissonance" exists, we will set a financial plan in place to close the gap.

"Mission Statement" 

I believe...

Your choice of career is driven by your talent, and by what you enjoy.

I believe...

Your career should include a plan to achieve financial freedom.

I believe...

The right partner will help you achieve that plan.


      Ingrid Farmer

Ingrid started her career in financial services in 1987 in Merchant Banking at Hill Samual Merchant Bank (later Corbank) after studying computer programming, whereafter she joined a prominent Stock Broking firm, HSBC Simpson McKie, in 1989 as a Money Market Dealer and Unit Trust Client Liaison.

In 1999 she and her husband moved to Botswana for 6 years where she pursued voluntary interests within the small community of Sowa Town. These included managing the town library, teaching at and later managing the expatriate playschool, teaching arts and crafts to children and serving on the Sowa Golf Club Committee for 5 years. 

She passed the Estate Agency Affairs Board Exam in 2004 and on returning to Cape Town spent 2 years as an active Estate Agent before returning to financial services. 

At Hermes Asset Management Ingrid headed up the administration for the asset management and management companies, gaining valuable experience in both of these areas. Thereafter she spent a short while at Sygnia Asset Management in Client Relations before joining Foster Wealth Management in 2009, becoming a partner and director in 2010 and in 2012 was elected CEO of the group of companies. Ingrid was instrumental in introducing model portfolios to the company and actively managed the suite of  portfolios. She also actively managed the Foster Fund Managers Regulation 28 unit trust Fund of Funds, before leaving in September 2014 to pursue other interests which led her to team up with her ex-colleague, Adi Fourie, at Future 123.  

She is passionate about investments and helping clients to achieve their goals and dreams through prudent investing.  

Ingrid has an NQF6 qualification through the SAIFM and is FAIS compliant, having passed her RE1, RE3 and RE5 exams in 2012.  She is a member of the FIA, a professional body for Financial Intermediaries. 

The Fox and theGrapes by Aesop.

When the fox fails to reach the grapes, he decides he does not want them after all, an example of adaptive preference formation, which serves to reduce cognitive dissonance.