pre
retail-pre.momentum.co.za
menu
Individual | Corporate Contact us Log in
search
Two women enjoying a warm conversation over coffee in a garden setting, representing the approachable and personal support you can expect from a Momentum financial adviser. Two women enjoying a warm conversation over coffee in a garden setting, representing the approachable and personal support you can expect from a Momentum financial adviser.

Get advice that fits your life, not just your finances

Advice can be powerful when it understands your life context. Now, take the next step. Let’s connect you with a financial adviser who listens, understands, and walks the journey with you.

  • Personalised insights tailored to your unique financial needs.
  • Expert advice by qualified and accredited advisers you can trust.
  • Professional guidance to make the most of our full range of products and soultions.
Get advice Service enquiry

Financial advice that protects every part of your life

#

My life map

Protect your life and your family’s peace of mind.

My lifestyle map

Secure your lifestyle and ability to earn.

My health map

Protect your health and that of your pocket.

My assets map

Safeguard your personal belongings and those of your business.

My wealth map

Preserve and grow your wealth.

My business map

Cover your business for continued success.

My legacy map

Put plans in place to manage your will, estate or trust to secure your legacy

My review map

Stay on track with your financial goals.

Start your journey with a financial adviser

Ready to secure your financial future? From planning for retirement, investing for financial security, or financially protecting your loved ones, we empower you to plan, establish, and achieve your financial goals. 

Momentum financial advisers are dedicated to helping you build a strong foundation for success.

Get a call from a financial
adviser

Get expert financial advice from one of our trusted advisers.

Call me back

Enquire about your existing product

Have questions about your current policy? An adviser can help you.

Service enquiry

Advice that meets your context

Because your life isn’t one-size-fits-all, you need
financial advice that meets your context — advice
that fits you, your goals, your reality, your values,
and the future you’re building. Watch our latest TV
commercial to see how advice that meets your
context can benefit you.

Watch video

Do South Africans really have access to financial advice?

Millions of South Africans are making life-changing money decisions without expert guidance. The 2024 Momentum Financial Advice Report reveals  that even among high-income households, access to professional advice remains surprisingly low.

At Momentum, we believe financial advice should be accessible, trusted, and tailored — because better advice leads to better financial outcomes.

77%

of South African households rely on their own knowledge, skills or experience.

9%

(1.8 million out of 20 million) of households make use of professional/certified financial advisers for financial advice.

9.5

times larger is the average investment amount for households with an adviser than households without advisers.

10%

of households in South Africa with a household income of R15 000 per month will be able to retire.

How to get financial advice in South Africa

Getting financial advice is easier than you think. Whether you’re planning for retirement, saving for education, or building wealth, Momentum’s  trusted advisers can help you make informed decisions every step of the journey.

Identify your financial goals Understand what you want to achieve—whether it's retirement planning, saving for your children’s education, or investing for wealth.
Request a call back from a Momentum financial adviser Fill in our call-back form and select the financial products you require advice on. You will get connected to a dedicated financial adviser.
Meet with your adviser and get tailored During the first meeting, you will discuss your financial goals, needs, and current situation to create a customised financial plan.
Stay on track Your adviser will help you adjust your plan as needed, ensuring that your financial strategy stays aligned with your evolving goals.

Blog articles

Smiling couple meeting with a financial advisor, discussing future financial planning.

Smart moves, secure future – talk to a financial adviser today

 4 MIN READ

Financial advice FAQs

Financial planning is the process of developing strategies to help people manage their financial affairs to meet life goals. It is a client-centric, goal-based, and holistic process that considers the entirety of a client’s financial life, including income, expenses, assets, liabilities, risk, taxes, and legacy and builds an integrated plan to help the client reach their personal life objectives.

Financial advice is a specific recommendation or guidance issued by a professional financial adviser about a financial product, strategy, or action based on the client’s current needs, risk appetite, and circumstances. Per the Financial Planning Standards Board (FPSB), advice refers to the guidance and recommendations provided by professional financial planners, typically as part of a broader financial planning engagement, or as a standalone service.

Financial planning is the strategy-building process that helps clients define and achieve their life goals. Advice is one or more recommendations that may form part of this process or be provided on a standalone basis. Financial planning and advice are both critical, but it is their scope, intent, and structure that truly sets them apart. At Momentum, we elevate both, by transforming financial planning into a human-centred, values-aligned journey, and ensuring that every piece of advice is grounded in something bigger than a transaction: purpose.

In South Africa, all financial advisers must meet the Minimum Competency Requirements (MCR) set out by the Financial Sector Conduct Authority (FSCA) under the Financial Advisory and Intermediary Services Act (FAIS Act, 2002). These requirements ensure that only competent, fit, and proper individuals may provide advice and intermediary services to clients in the financial services sector.

Advisers must hold a relevant qualification recognised by the FSCA. These qualifications must be registered on the National Qualifications Framework (NQF). Typically, this includes:

  • NQF Level 5 Certificate in Financial Planning or Wealth Management
  • Higher qualifications for specialist roles (e.g., NQF Level 6 or 7 in Insurance, Investments, or Law)

These training and competency standards are in place to protect clients, ensure informed decision-making, and promote fair treatment under frameworks like Treating Customers Fairly (TCF). When you engage with a licensed adviser, you are working with someone who:

  • Meets national qualification and ethics standards.
  • Understands the law and financial product structures.
  • Is legally obligated to act in your best interest.

Yes, a professionally qualified financial adviser is skilled to provide integrated and comprehensive advice across all areas of your financial life, provided they are authorised and competent in the relevant categories. In South Africa, financial advisers are licensed by the FSCA to give advice only within the specific advice categories and products for which they have been skilled, assessed, and accredited. These typically include disciplines such as investments, insurance, retirement, healthcare, tax, estate planning, and others. An adviser may not legally or ethically provide advice outside their approved license categories or mandated areas.

View all FAQs

Speak to a financial adviser

Get a call from one of our trusted advisers.

Get advice

We and our selected partners use cookies to enhance and personalise your experience on our website. Please see our cookie policy for more information.

To enhance your user experience on our site, learn more about our supported browsers

Your browser's cookies are disabled. Enable cookies to ensure our website functions correctly. View our Privacy Notice.