Sanlam’s 2025 Credit Confidence Index reveals stark generational divides in debt and credit behaviour. While Millennials face severe debt stress, Gen X remains hesitant to seek help, and Gen Z shows promising digital literacy and smart credit habits, shaping future resilience.

Kamal Patel of Old Mutual highlights July as a key moment for advisers to reframe life insurance conversations. Mid-year reviews offer a chance to align cover with evolving goals, build trust, and reposition advice as a dynamic, value-driven partnership.

The 2024/25 Adviser Barometer reveals how South African advisers are navigating volatility and disruption. It highlights key trends in firm structure, technology, client servicing, and offshore advice, urging practices to rethink strategy, efficiency, and long-term sustainability amid growing market complexity.

Insurance must move beyond price-driven decisions. Etienne Fourie urges advisers to prioritise long-term value, product sustainability, and flexibility to ensure clients maintain affordable, relevant cover throughout their lives.

Old Mutual’s Michelle Acton unpacks how the Two-Pot system reveals deep financial strain, and why employers must rethink financial wellbeing strategies to empower staff with real, relatable, and ongoing support.

Merchant Capital’s Brent Downard unpacks what makes a retail business fundable today, highlighting the importance of diversified revenue, scalability, and operational maturity in securing growth capital and long-term resilience.