Goals before products
Advice built around your life.
We begin with your priorities, time horizon and appetite for risk, then build a plan you can understand.
Explore planning servicesIndependent financial guidance
Start with a conversation about your financial goals.
Mbalwa helps South Africans connect the wealth they build today with the income and choices they want tomorrow.
- FSP-licensed
guidance - Independent
planning - South African market
knowledge - Personalised
recommendations - Transparent fees
& risks
About Mbalwa
Investment and retirement planning, without the sales pitch
Mbalwa is an independent, FSP-licensed advice practice — not tied to a single product provider. That means every recommendation is chosen because it suits your goals, not because it pays the highest commission.
Learn about Mbalwa
Independent advice
Choose your planning pathway
Three ways to strengthen one connected plan.
Build wealth, prepare a dependable retirement income, or review investments you already hold. Start wherever your priority sits; a Mbalwa adviser will show you how everything connects.
Investment planning
Grow and diversify your wealth with a strategy built around your goals, risk profile and time horizon.
- Wealth building & diversification
- Offshore exposure
- Lump sums & windfalls
- Portfolio reviews
Retirement planning
Plan the retirement savings and income strategy that will fund the life you want after work.
- Retirement saving & preservation
- Retirement-income planning
- Annuity comparisons
- Retirement modelling
Portfolio management
Review your existing investments for overlap, concentration risk, high fees and diversification gaps.
- Asset-allocation review
- Diversification & concentration
- Fee & platform review
- Rebalancing & monitoring
Investment planning services
Every building block of a diversified strategy
Unit trusts
Pooled, professionally managed funds suited to a range of goals and risk levels.
Learn moreOffshore investments
Add global diversification to reduce reliance on any single economy.
Learn moreLump-sum investments
A considered plan for an inheritance, bonus, sale proceeds or payout.
Learn morePortfolio management
Ongoing construction, monitoring and rebalancing aligned to your goals.
Learn moreRetirement planning services
A dependable income for the years after work
Retirement annuities
Dedicated, tax-efficient long-term retirement saving.
Learn moreLiving & life annuities
Compare flexible, investment-linked income with insurer-guaranteed income.
Learn morePreservation funds
Keep retirement savings invested tax-efficiently when you change jobs.
Learn moreRetirement calculator
Estimate how much you may need, free and in a few minutes.
Try the calculatorHow much investment risk feels right for you?
Complete our guided questionnaire and receive an indicative risk profile in about five minutes.
Planning for different life stages
Wherever you are, there is a next step
Starting to invest
Build good habits and a diversified base from your first monthly contribution.
Growing established wealth
Refine asset allocation as your capital and goals grow more complex.
Receiving an inheritance, bonus or sale proceeds
Make a considered decision before committing a lump sum.
Changing employment
Preserve retirement benefits instead of cashing them out.
Approaching retirement
Model your required income and close any projected shortfall in good time.
Managing income after retirement
Draw a sustainable income while managing longevity and market risk.
Why work with Mbalwa
Advice that starts with your goals, not a product to sell
01
Goals before products
We start with what you're planning for, then find what fits.
02
Plain-language advice
Every term is explained the first time it comes up. No jargon left unexplained.
03
Risk-aware recommendations
We explain what could go wrong, not only what could go right.
04
Ongoing reviews
Plans are revisited as your life and the markets change.
How the consultation process works
From first conversation to an ongoing plan
01
Understand your circumstances
We take stock of your income, savings, debt and existing products.
02
Define your goals
We clarify what you're planning for and by when.
03
Assess suitable options
We compare products and strategies against your goals and risk profile.
04
Implement and review
We put the plan in place and revisit it as circumstances change.
Meet the advisers
Real people, licensed and accountable
Wenzile Mthiyane, CFP®
Founder & Key Individual
Investment and retirement planning, FSP compliance oversight.
JM
Johan van der Merwe, CFP®
Senior Investment Adviser
Portfolio construction, offshore investing and retirement-income planning.
Frequently asked questions
Common questions before your first consultation
An investment adviser helps you define your financial goals, understand your risk profile and time horizon, and then recommends a suitable mix of investments. A Mbalwa adviser also explains fees and risks in plain language and reviews your plan over time.
There is no minimum. Whether you're starting your first monthly investment or reviewing an established portfolio, an initial conversation helps clarify what's suitable for your circumstances.
Yes. Mbalwa works with clients nationally through in-person, video and telephone consultations.
The initial conversation to understand your goals and explain how Mbalwa can help carries no obligation. Any advice fees are disclosed upfront before you commit to anything.
Advisers may be paid through an adviser fee, a product or platform fee, or a combination of these, depending on the service and product involved. Mbalwa discloses all applicable fees before implementation.
No. Investment values can rise or fall, and past performance is not a guarantee of future results. Mbalwa focuses on suitable, risk-aware planning rather than promised outcomes.
Written and reviewed by Wenzile Mthiyane, CFP®, Key Individual, Mbalwa Investment Services (view profile) · FSP 55090 · Last reviewed 1 July 2026