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Get advice from an accredited financial adviser

Connect with a Momentum financial adviser near you for trusted advice and financial planning tailored to your needs. Turn uncertainty into confident decisions that help you 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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What can a financial adviser help me with?

Professional financial advice can help you achieve your goals with greater confidence. A Momentum financial adviser walks the journey to success with you, based on what you want to achieve.

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

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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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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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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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Get the expert guidance you need to succeed. Select what you need help with.

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Get expert financial advice from an accredited adviser.

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Get personalised insurance solutions and advice for your car, home, and business insurance needs.

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How to choose a financial adviser

Choosing a financial adviser is a crucial decision to help you reach your goals with confidence. Here are the key factors to consider when selecting an expert:

What is the difference between financial advice and financial planning?

While often used interchangeably, financial advice focuses on specific recommendations for immediate needs or products (such as selecting insurance or investment options), whereas financial planning is a comprehensive, long-term strategy aligned with global standards to map out your entire financial life.

At Momentum, we elevate both by combining holistic financial planning with personalised, outcomes-focused advice tailored to your goals.

Our 6-step financial planning process

How we take the global standard for financial planning and enhance every step with personalised tools, behavioural insights, and continuous support tailored to your life. 

Establish and define our relationship Every relationship starts with a Prospectus—a clear declaration of our value promise and a transparent foundation built on partnership.
Understand your money personality We move beyond basic financial data using our proprietary MoneyFingerprint™ tool to understand your decision-making style, emotional drivers, and unique relationship with money.
Analyse and evaluate your holistic picture Using integrated digital tools, your adviser maps every part of your financial life across seven core advice disciplines to give you complete visibility.
Develop and present your personalised plan We anchor your strategy in risk management, lifestyle impact, and your core values—never just product sales. Our Momentum Advice Guidelines ensure you make confident, informed trade-offs.
Implement with precision Guided by our MAPS Philosophy, we turn advice into a clear, actionable roadmap. Every recommendation is directly linked to your personal goals, not product quotas.
Monitor and review continuously Through our Minimum Advice Experience, we conduct annual reviews to adapt your strategy as life evolves, priorities shift, and goals change. We also ensure you have a financially executable will.

Latest blog articles

Back view of a man facing the sunset symbolising optimism about the changing culture of financial advice in South Africa.

The financial advice culture in South Africa: 6 barriers to advice

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

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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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