Desiree Raghubir, Associate Director and Certified Financial Planner® at BDO Wealth, says South African families should regularly review trust structures as beneficiaries emigrate, since changing tax residency rules can create unintended tax, compliance and legacy-planning consequences.

Thomas Berry, Head of Sales at PSG Wealth, says financial resilience is driven less by income and more by mindset, habits and emotional awareness, with confidence around money built gradually through consistent financial decisions and a sense of control.

Denise Gabriels, Lead Ombud of the Life Insurance Division of the NFO, says a Severe Illness Benefit claim is triggered by the actual onset of the illness, not the later medical confirmation, reinforcing that insurers cannot rely solely on technical policy timing to reject valid claims.

Joao Frasco, Chief Investment Officer at INN8 Invest, says increasing market volatility and shifting investment dynamics are forcing advisers to adopt more disciplined, outcome-focused portfolio strategies, while deeper collaboration with discretionary fund managers is becoming essential to delivering consistent client outcomes.

The transition to COFI is not merely a compliance exercise but a deeper shift toward trust-centred, client-focused financial planning, requiring firms to strengthen culture, governance, leadership and client experience through intentional, long-term transformation.

Mareli Mans, Head of FundsAtWork & GI Product & Pricing at Momentum Corporate, says Momentum Corporate’s decision to remove traditional insurance ceilings for healthy HIV-positive employees reflects a modern, wellness-based approach that aligns underwriting with current medical realities and promotes greater financial inclusion.