About Us
One Group. Many Businesses. One Shared Purpose.
Third Age Group brings together businesses, people and trusted partners across a range of industries, connected by a shared purpose to create opportunity, build lasting value and help shape a stronger future. For 30 years, we’ve been growing together, building what matters and creating a legacy that goes beyond today.
Leadership
The People Steering the Group
Duncan Cairns
Chief Executive Officer
Duncan has been at the heart of Third Age Group’s journey from a single office to a growing national ecosystem. Through changing markets, challenges and opportunities, his leadership has kept the Group focused on people, purpose, and the future. Today, Duncan’s perspective continues to shape how we think, lead, and grow, with his monthly messages sharing the vision and values behind Third Age Group.
Success has never been about short-term gains. It’s about building something meaningful.
Duncan Cairns · CEO
Duncan Cairns
Chief Executive Officer & Founder
Duncan Cairns is the Founder and CEO of Third Age Group, a visionary entrepreneur and strategic leader with a Bachelor of Commerce degree and extensive experience across finance, wealth creation, business and property development.
With a passion for building businesses that create lasting value, Duncan has played a defining role in Third Age Group’s journey and growth. His leadership is driven by a long-term vision: to build sustainable businesses, empower people and create an enduring legacy for generations to come.
As a financial expert, strategist, wealth creator and business owner, Duncan brings together commercial insight, entrepreneurial thinking and a people-focused approach to leadership, continuing to shape the future of Third Age Group and the businesses within it.
Pienaar le Roux
Director
Pienaar le Roux holds a Bachelor of Commerce degree and brings almost three decades of experience and dedication to Third Age Group, having been part of the Group for 29 years. As a Director of Third Age Group and Senior Relationship Manager at Rhythm Finance, Pienaar plays an integral role in building strong, lasting relationships and contributing to the Group’s continued growth. His extensive experience, deep understanding of the business and commitment to people reflect the values that have shaped Third Age Group for generations.
Gerhard Henning
Financial Director
With 20 years at Third Age Group, Gerhard Henning brings extensive financial expertise, strategic insight and unwavering precision to his role as Financial Director. Holding an Honours Baccalaureus in Accounting, he combines strong technical knowledge with a deep understanding of sound financial management. Known for his meticulous attention to detail and accuracy, Gerhard’s precision sets him apart and ensures that every financial decision is approached with care, discipline and excellence. His reliability and expertise have made him an integral part of Third Age Group’s continued growth and success.
One Connected Group
Our Companies
The businesses of Third Age Group; different expertise, one shared journey.
Non-Insurance Brands
Rhythm Finance
Rhythm Finance was founded in 2018 with a mission to provide medical professionals with specialist financial guidance.
Today, we believe financial success of doctors requires more than a successful medical career. Specialists don't struggle because they lack intelligence. They struggle because their time and attention belong to their patients, practices and families.
As financial complexity grows, fragmented advice can lead to missed opportunities, unnecessary tax and wealth that never reaches its full potential. That's why we've built an integrated financial ecosystem designed exclusively for medical specialists.
By bringing together practice management, accounting, investments, risk and wealth planning under one coordinated strategy, we help medical specialists build lasting wealth, reduce financial stress and gain the freedom to focus on what matters most: their patients and their future.
Emerald Accounting Services
Emerald Accounting Services was established to provide businesses with independent, professional accounting support that goes beyond compliance. Originally created to manage the accounting and bookkeeping needs of Rhythm Finance clients, the business evolved in 2021 into a dedicated accounting practice, allowing our accountants to provide objective advice and trusted financial guidance with complete independence.
Today, Emerald Accounting Services partners with businesses to keep their finances organised, compliant, and positioned for growth. Our experienced team provides practical, reliable support across bookkeeping, financial processing, payroll, VAT, tax planning, financial statements, and CIPC services, helping you stay on top of your financial obligations with confidence.
We believe accounting is about more than balancing the books. It's about giving business owners the clarity, insight, and peace of mind they need to make informed decisions and focus on what they do best: growing their business.
Prism Generational Wealth
At Prism, we believe wealth is about more than financial success. It's about creating a legacy that lasts for generations. Through our bespoke Family Office approach, we simplify financial complexity by bringing your investments, estate planning and administrative affairs together under one trusted relationship.
As your single point of contact, we provide discreet, personalised guidance tailored to your family's unique needs. Backed by the expertise of the Third Age Group, we're committed to protecting and growing your wealth while empowering future generations to preserve the values, opportunities and legacy you've worked so hard to build.
Yield Agri Investments & Meatmasters
2021 marked the launch of Yield Agri Investments, creating new opportunities for clients to diversify their portfolios through agriculture.
Yield Agri Investments offers investors a smarter way to diversify their portfolios through professionally managed agricultural investments. By investing in premium livestock, you gain access to the long-term growth potential of agriculture without the demands of day-to-day farming.
Our transparent investment model combines expert livestock management, strategic risk mitigation and sustainable farming practices to optimise returns while creating lasting value.
As part of the Third Age Group, we are committed to responsible stewardship, superior livestock genetics and long-term growth. It's an investment designed to deliver confidence, sustainability and opportunity for generations to come.
In 2025, another milestone followed with the registration of our own Yield Meatmasters stud, focusing on superior genetics, quality livestock, and sustainable farming practices. From finance to farming, this journey reflects a belief that lasting value is built through patience, careful stewardship, and a long-term perspective.
Amadeus & Co
With over 15 years of industry experience, Amadeus & Co delivers high-quality construction solutions built on trust, craftsmanship and reliability. From shopfitting, residential and commercial construction to renovations, maintenance, food tech and solar projects, we provide a seamless, end-to-end service tailored to each client's vision, needs and budget.
Our collaborative approach, attention to detail and commitment to excellence ensure every project is completed with precision, efficiency and lasting value. Backed by a team of experienced professionals, we combine innovative thinking with practical expertise to create spaces and solutions that stand the test of time.
Kaizen Realtors
Established in 2019, Kaizen helps investors build long-term wealth through strategic property investment. Whether you're purchasing your first investment property, expanding your portfolio, or looking for professional property management, our experienced team is here to guide you every step of the way.
We believe property is more than an asset, it's a foundation for lasting financial growth. From buying and selling investment properties to managing rentals and matching landlords with quality tenants, we provide personalised solutions that maximise returns, protect your investment, and give you the confidence to grow your portfolio with peace of mind.
Our approach is built on trusted advice, personalised service, and a commitment to helping you achieve sustainable wealth through property investment.
Insurance Brands
Rhythm Wealth
Rhythm Wealth was established to provide healthcare professionals with a dedicated financial services solution that truly understands the unique demands of the medical profession. As an FSCA-registered financial services provider, we specialise in protecting what doctors work so hard to build through tailored insurance solutions, including income protection, malpractice, risk, and short-term cover.
But protection is only the beginning. Through expert financial planning, investment, and estate planning advice, we take a holistic approach to your financial wellbeing, helping healthcare professionals protect their income, grow their wealth, and plan confidently for the future.
Our purpose is simple: to give healthcare professionals the peace of mind that comes from having every aspect of their financial life working together. Because your career, your family, and your future deserve more than cover. They deserve a plan.
Rhythm Wealth Mentors is an Authorised Financial Services Provider | FSP No: 52174
Stepp
Stepp is built around a simple belief: managing risk is an important part of a fulfilled life. It brings together trusted expertise, insurance solutions and a national broker community to help people and businesses take the right stepp with confidence.
Stepp has two key focus areas:
For Brokers: providing independent brokers with the support, infrastructure, expertise and opportunities they need to grow their businesses and serve their clients better.
For Clients: connecting individuals, families and businesses with experienced insurance professionals who can help protect what matters most, from personal and business assets to agricultural and life risks.
Stepp™ is a proudly protected trademark and brand of Third Age Group Financial Holdings (Pty) Ltd, a non-FSP holding company.
Financial Services Provided by Authorised Financial Services Providers
Broker Support Group
Broker Support Group (BSG) is the specialist broker support business within Third Age Group, built to help independent brokers grow stronger businesses while giving them access to the infrastructure, expertise and insurer relationships they need to serve their clients with confidence.
BSG forms part of the Insurance ecosystem within Third Age Group, connecting brokers with leading insurers and supporting them with the systems, facilities and resources that make doing business easier.
Where it began:
BSG’s roots stretch back more than two decades, with longstanding relationships across South Africa’s insurance industry.
Over the years, BSG has evolved with the industry, but the purpose remains the same: supporting brokers so they can focus on what they do best, looking after their clients.
Broker Support Group is an Authorised Financial Services Provider | FSP: 26846
iF Capital
iF Capital is a specialist investment management business, focused on managing capital with discipline, insight and a long-term view.
As an authorised Category II discretionary investment manager, iF Capital provides bespoke share portfolios, risk-profiled model portfolios and DFM (Discretionary Fund Management) solutions for private clients and financial advisors.
Within the Third Age Group ecosystem, iF Capital brings specialist investment expertise to our broader approach to building, managing and preserving wealth, helping clients make their capital work towards their long-term goals.
iF Capital is an Authorised Financial Service Provider | FSCA No: 51648
Refer
Refer is part of Third Age Group’s broader insurance ecosystem, focused on identifying and investing in independent insurance brokers who share our values and vision.
By partnering with ambitious, high-quality broker businesses, Refer helps strengthen their foundations, unlock growth and create opportunities for long-term success, while building a stronger, more connected insurance network within the Group.
Financial Services Provided by Authorised Financial Services Providers
1996The Establishment of Medfin
Medfin, founded on 1 July 1996, laid the foundation for what would eventually become Rhythm Financial Mentors.
Use arrow keys, the scrubber, or click a card
