The Human Thread That Connects It All
This month’s edition is a timely reminder that at the heart of every product, platform, and policy is a relationship. Whether we’re talking about the high-net-worth segment, offshore investment strategies, or succession planning for advice firms, our industry is, fundamentally, a people business.
Our cover feature with Aldert Brink reflects this perfectly. In a candid conversation, he speaks to the emotional weight and real-life impact of sound financial advice. It’s a powerful narrative that reminds us why advice matters, not just for wealth creation, but for stability, legacy, and peace of mind during life’s most difficult moments.
It’s a sentiment echoed throughout this edition. From Tarina Vlok’s warning on counterfeit risks in luxury portfolios to Sonja Steyn’s insights on purpose-driven wealth, we see a consistent theme: the future of financial services lies in advice that is not only technically sound, but meaningfully human.
As the industry navigates a rapidly shifting economic landscape, marked by rand volatility, global wealth transfer, and increasing regulatory complexity, one thing is clear: clients are seeking more than products. They’re looking for guidance they can trust, advice that aligns with their values, and professionals who can help them make sense of it all.
Whether you’re an advisor, underwriter, product developer, or planner, I hope the stories in these pages inspire you to reflect on the value you bring to the lives you touch, and the legacy you help shape.
Enjoy the read.
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High-Net-Worth
- Luxury or Liability? The Growing Risk of Counterfeit Goods in High-Net-Worth Portfolios – Tarina Vlok, Managing Director, Elite Risk Acceptances
- Rand fatigue? Use the G.L.O.B.E. – Francois Lombard, Head: Investment Distribution at Momentum Distribution Services
- Key Forces Reshaping South Africa’s High Net Worth Life Insurance Market – Nadine van Niekerk, Head Client Markets Sub-Saharan Africa L&H Re, Swiss Re
- Navigating the Expanding High-Net-Worth Insurance Market – Burgette Couvaras, Head High Net Worth Santam Insurance
- High Net Worth Insurance in South Africa – Sharon Paterson, CEO of Infiniti Insurance Limited
- Transforming wealth into legacy for high net worth clients – Sonja Steyn, Head of Strategic Wealth Management and Advice for Momentum Advice
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Financial Planning
- Signal & Strategy column: How returns and costs compound over time; and what do about it – James Steere, Head of Operations, Perspective Investment Management
- The critical role of professional financial advice – Tony van Niekerk, COVER, In Conversation with Aldert Brink, CEO of Momentum Financial Planning
- Why Umbrella Funds Belong in Your EVP Strategy – Niki Giles, Head of Strategy, Prescient Fund Services
- Why every financial services intermediary needs an exit strategy – Dawn Julyan CFP®; Compliance Director, Simply Comply
- Future-proofing advice firms – Johan Oosthuizen, Business Coach & Gallup-Certified Strengths Coach
- Redefining advice in a new era of financial engagement – Tony van Niekerk, COVER
- Opportunities and challenges with the Great Wealth Transfer – Khanyi Nzukuma, Chief Executive at Glacier by Sanlam
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Special Featurea
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Short Term
- A United Front Against Climate Risk – Pamela Ramagaga, General Manager Insurance Risks at the South African Insurance Association.
- How Transactional Risk Insurance is transforming M&A in Africa – Tony van Niekerk, Editor at COVER in conversation with Luke Sutton, Head of Transactional Risk Insurance at Marsh
- Embedded Insurance: How E-Commerce is Changing the Traditional Insurance Distribution Model – Carl Moodley, Chief Information Officer at GENRIC Insurance Company
- Been in an accident? Here’s why “repair or replace” is no longer an easy call – Juan Hanekom, National Director SAMBRA
- When Your Star Performer is a No-show – Promise Ngobeni, senior client manager in Aon South Africa’s sport, recreation and entertainment division
- Empowering SMMEs Through Credit Guarantee Insurance – Credit Guarantee
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Technology
- A Relationship-Driven, Solutions-Based Approach to Premium Collections – Barry Levy, National Sales Manager at QSURE
- The strategic future of data in insurance – Angus Black, BarnOwl Data Solutions
- Communication as a growth lever for FSP: Part 2 – Craig Grasko, Business Development Director, FSPHub
- SARS escalates crypto crackdown; advisers urged to stay ahead – MJ Givens, Analyst at Octa
