Mr. Shabalala believes that if his financial planning expertise is of benefit to his clients, then it must be of benefit to him as well. Like most high flier corporate professionals, Mr. Shabalala did not have time to attend to his financial affairs and he lacked the skill to do so. That is how he identified the unfulfilled need of professionals in the financial services industry. This discovery culminated in the birth of HYPERIONTRUST, He began by tidying up his own life policies, endowment plans, retirement annuities and estate matters. However, this time around all his policies were structured around his predetermined financial needs analysis (FNA).