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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.

Find a financial adviser in South Africa

Find a financial adviser near you who understands your personal context and can help you plan with confidence. Get expert guidance to protect what matters, grow and preserve your wealth, and build your legacy.

  • Personalised financial advice tailored to your life stage, priorities, and future ambitions.
  • Accredited and trusted advisers who meet regulatory standards and put your needs first.
  • Support at every stage of life – from your first salary to retirement and beyond, get guidance as your needs evolve.
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How a financial adviser can help you

Whatever your goals look like, financial advice can support you in different ways depending on what you want to achieve:

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 my business to keep running, even if something happens to me

Safeguard your business against the financial impact of losing a key individual (key person) due to death or disability.

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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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Why do you need financial advice?

Financial advice can help you make more confident decisions about your money, no matter where you are in life. It’s especially useful if:

  • You’re starting your financial journey and want to build good money habits from the beginning
  • You have dependants who rely on you financially and need to protect their future
  • You want to grow your wealth or start investing but aren’t sure where to begin
  • Your finances are becoming more complex with multiple responsibilities, assets, or income streams
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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

Get expert financial advice from one of our trusted advisers.

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Need expat financial advice?

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

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What is the financial advice process?

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.

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.

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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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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