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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.

Financial advisers in South Africa

Get advice that fits your life, not just your finances. Financial advice is most powerful when it understands your personal context. Take the next step with Momentum accredited financial advisers in South Africa who listen, understand, and walk 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 solutions.
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Protect what matters most with expert advice

Financial adviser meeting with a lady to discuss a holistic financial plan.

I want holistic financial advice

Work with an adviser who looks at your full financial picture and gives you a strategy that fits your life.

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Happy family embracing on the beach, symbolising protection and security for loved ones.

I want to protect my family’s future

Protect your loved ones with cover providing financial security so they’re taken care of when you’re no longer there.

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Professional working on a laptop in an office.

I want to maintain my lifestyle and income

Secure your ability to earn in the event of illness or disability stopping you from working, so your family’s lifestyle can be maintained.

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Parent playing with a child outdoors, reflecting good health and family wellbeing.

I want to safeguard my health and my pocket

Protect your health and that of your pocket to manage unexpected medical costs.

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Woman sticking out the window of a red car.

I want to protect my car, home or business

Protect your car, home and belongings – and your business too – with tailored solutions that give you peace of mind.

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Financial adviser showing a client investment options on a tablet, representing wealth growth.

I want to grow my wealth

Invest wisely and create a plan to preserve and grow your money over time.

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Child playing with colourful building blocks, symbolising saving for education and future goals.

I want to save for my future goals

Reach your goals with tailored savings. From retirement and education to endowment plans that help you grow your money with purpose.

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Confident business owner standing in her store, representing business continuity and success.

I want to ensure my business continues to thrive

Protect your business with solutions that provide for your business when you no longer can.

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Close-up of a last will and testament document, symbolising estate planning and legacy creation.

I want to leave a legacy

Plan your will, estate, or trust to ensure your loved ones are taken care of and your wishes are fulfilled.

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Start your journey with a financial adviser

Wherever you are on your financial journey, Momentum helps you get the advice you need to succeed. Get ready to secure your financial future by connecting with a Momentum financial adviser.

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adviser

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Need expat financial advice?

Get expert help with tax, retirement, and money transfers when living abroad.

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Financial advice FAQs

Financial advice is a specific recommendation or guidance provided by a qualified financial adviser to help you make informed decisions about a financial product, strategy, or action. It is typically linked to a particular need, such as choosing life cover, investing for growth, or selecting a retirement annuity.

Financial advice is more accessible than many people think. It’s about making smart decisions with what you have — not just about being wealthy. You don’t need to be wealthy to benefit from financial advice. At Momentum, we believe everyone deserves access to quality financial advice services, whether you’re starting out or managing a growing portfolio. Your adviser will work with you to create a financial plan that suits your life and your budget.

Yes — especially if you want to build a secure financial future. A financial adviser brings knowledge, tools, and an outside perspective that can help you avoid costly mistakes and stay on track. Research shows that most South Africans rely on their own knowledge, skills or experience, which is not advisable. Having expert financial advice leads to better decisions and peace of mind.

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.
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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.

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The state of financial advice in South Africa

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 in South Africa should be accessible, trusted, and tailored — because better advice leads to better financial outcomes.

Request a call back from one of our professional financial advisers today!

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.

Getting started with Momentum Financial Planning

Knowing where to get financial advice can make all the difference in achieving your goals. Momentum Financial Planning is the go-to for expert, outcome-based advice tailored to your unique needs.

Follow these 4 simple steps to get advice from a Momentum financial adviser:

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

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