Why the need for a Financial Wellness Programme?

Nobody plans to live a life being stressed by financial worries; however, this is the reality currently affecting most South Africans. As a consequence employees are not fully engaged in their workspace resulting in reduced productivity which causes increased stress on employees.

The remedy requires a practical approach that allows people to change their behaviour to live a better life.

The Smart Money Financial Wellness Programme provides a company’s employees with financial advice and education backed up with the tools and resources that allow them to understand the behavioural changes that they need to make as well as enabling them to do so.

The Smart Money
Financial Wellness Ladder

The Smart Money Financial Wellness Ladder depicts where we all start; in the search for Financial Safety to where we need to aspire to be, Financial Freedom. It is important to understand that there are several steps to Financial Independence and that this is a journey and not an overnight success.

Smart Money will work with you to take you from a point of Financial Survival right up to Financial Freedom.

Let's get organised!

We are committed to making a positive difference to help our fellow South Africans get personally and financially organised!

The Smart Money
Financial Wellness Approach

The journey to financial wellness for your employees starts with the first presentation that will introduce them to the “8 steps of financial wellness”. Understanding how these steps work and implementing them in their personal capacity is the first step to financial freedom.

Smart Money will work with employees to ensure that each person understand their ability to make changes and help them work through our 8 step process.

By the end of our 8 Step Process, which is available as online course, each person should be more financially and personally organised and understand what they need to do in order to achieve their financial goals!

Financial Wellness Programme

The Employee Programme Advantage

The Smart Money Employee Programme combines our online Smart Money Academy with face-to-face support to give employees the best experience. 


Focused on inspiring employees to start making Smart Money Choices and how to go about starting this process.


A Smart Money Coach works with employees to help them to understand how to budget and how to build their financial action plan


Get shown how to use all the tools and resources available to employees in person

Will Service

Smart Money has partnered with Wills specialists in order to provide your employees with a Last Will and Testaments to everyone that requests one.

Employee Programme Difference

While there are many advantages of digital, nothing beats having someone in person showing you what to do and how to go about it. Smart Money can come to your business and do presentations, onboarding workshops and financial coaching. Our 8 Steps to Financial Wellness online course is also free to all members on the Employee Programme.

Our face-to-face and online presentations, starting at just R1,000 per presentation, shows employees how they can take control of their financial future, save thousands of Rands and employees are able to ask questions and engage with the presenter to get the most out of this experience.

A Smart Money Coach can be hired for a specified number of hours each month to assist employees with the with personal attention they require for their finances. Coaches will help employees on a one-on-one basis to structure their budget, a debt snowball plan, a savings plan and how to start and carry out a financial action plan.

What every employee gets access to...

Online Courses

Take our online courses and learn how to make Smart Money Choices

Will Specialists

Every Smart Money member is eligible for a FREE Last Will and Testament

Online Budget Planner

Get access to our own cloud based Budget Planner

Financial Tools

Access online tools that will help you get financially organised


Learn about each of our 8 Steps with Mark Pilgrim on Hot 91.9

Financial Coach

Get access to a Financial Coach who can give you personal assistance


With over 200 articles we have your financial education taken care of


Download a wide variety of resources to get you organised


Our very own bite sized articles around a specific topic

Email Journeys

Pick and choose educational journeys that you are interested in

Financial Safety Report

Get a personalised safety report when you do the Smart Money Assessment

Partner Services

We have partnered with several companies to help you get organised

Let's get started!

Are you the decision maker?

Then let’s get started today!

Are you an employee?

Become the office hero and nominate your company!