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What does it take to lead a successful financial planning firm and create a new movement that empowers women with money?

In this episode of PROpulsion LIVE, host Francois du Toit sits down with Gretchen Betts, Managing Director of Magenta Financial Planning and founder of SheFinance, for an honest look at growth, purpose, and the courage to explore what’s next.

Gretchen shares her journey from adviser to business owner, including the story behind her management buyout of Magenta — a bold move that changed everything. She also opens up about her mission to help women build clarity and confidence around their finances through SheFinance and her practical workbook.

Whether you’re an adviser thinking about succession, culture, or new ventures, this conversation will leave you inspired to explore your own next chapter — with purpose and a touch of sparkle.

🔗 Links mentioned:
Magenta Financial Planning: https://www.magentafp.com

SheFinance: https://www.shefinance.co.uk

SheFinance Workbook on Amazon: https://www.amazon.co.uk/dp/1068439114

👉 Don’t forget to like, comment, and subscribe to join the PROpulsion community of forward-thinking financial planners.

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Are you working harder than ever but not feeling the progress? In this episode of PROpulsion LIVE, Francois explores what *real client value* looks like in today’s financial planning world — and how to build a practice that grows naturally because of it.

Discover a fresh way to think about your clients, your business, and your time. You’ll learn how to:

✅ Identify your most valuable clients and tailor your service around them

✅ Use data and digital tools to save time and serve better

✅ Create client experiences that build trust and long-term loyalty

✅ Communicate your value clearly through simple, honest marketing

This isn’t about adding more work — it’s about doing the right work for the right clients.

If you’re ready to build a business that feeds itself, this one’s for you.

🎯 *Watch now and explore how to create real client value that lasts.*

#FinancialPlanning #ClientExperience #PracticeGrowth #AdviserBusiness #propulsionlive 

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📊 Take the Professional Practice 10.0 Scorecard
🎯 https://www.propulsion.co.za/scoreyt

📘 Get the Financial Advisor Playbook
• Physical Book: https://www.takealot.com/the-financia...
• Digital Copy on Amazon: https://www.amazon.com/dp/B0D8BL2CGH

🌐 Learn more about PROpulsion and Becoming a member:
👉 https://www.propulsion.co.za/community

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#FinancialPlanning #BusinessGrowth #ClientRelationship #HolisticAdvice #PROpulsionLIVE

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Are you running your practice — or is it running you?
In this episode of PROpulsion LIVE, Francois dives into how financial planners can gain control, confidence, and freedom by treating their practice like a proper business.

Learn how to separate personal and business finances, pay yourself like a professional, and build structure that gives you both stability and time back.

If you’re tired of living from one commission cycle to the next, this conversation will help you build a business that truly works for you.

📌 What you’ll learn:

The mindset shift from adviser to business owner

How to pay yourself a consistent salary

Separating personal and business finances

Building systems that free your time

Creating a plan for lasting growth

🎥 Join Francois and explore how to take back control — and build a business you’re proud to own.

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Are your clients struggling with fear, shame, or overwhelm when it comes to money?

In this episode of PROpulsion LIVE, we sit down with Samantha Sparkes, a personal finance coach who helps women change their money stories, build practical skills, and gain the confidence to take action.

We discuss:

-What financial coaching really is and how it differs from financial advice 

-Why so many people feel stuck, even when they know the “right” steps 

-Simple money skills that make the biggest difference in daily life 

-The most common challenges Samantha sees in her clients

-Why financial advisers and coaches working together gives clients the best outcomes

📌 Resource: Take Samantha’s free Money Dysfunctions Assessment for Entrepreneurs: https://qualtricsxm3htzgdg96.qualtrics.com/jfe/form/SV_3Vit66mbl5neZCK

👉 Don’t miss this chance to learn how financial coaching can add depth to advice, and how it prepares clients to get the most from their adviser.

Subscribe for more conversations that help financial planners, advisers, and business owners explore new ways to grow.

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📘 Get the Financial Advisor Playbook • Physical Book: https://www.takealot.com/the-financia... • Digital Copy on Amazon: https://www.amazon.com/dp/B0D8BL2CGH

🌐 Learn more about PROpulsion and Becoming a member: 👉 https://www.propulsion.co.za/community

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This week on PROpulsion LIVE, Francois sits down with Wouter de Witt and Emile van der Spuy, Certified Financial Planners® and co-founders of Gravitas Tax.

With over 25 years of combined experience in retirement and tax planning, they’ve seen one thing repeatedly: advisers who ignore tax are leaving value on the table. That’s why they built Gravitas Tax, a powerful tool that gives advisers tax directive simulations to create clarity, confidence, and better outcomes for clients.

We’ll explore why tax directive simulations are becoming essential, how they work in practice, and what they mean for the future of holistic financial planning.

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DIGITAL LOCKDOWN
https://inn8cpd.co.za/event/register/...

📊 Take the Professional Practice 10.0 Scorecard
🎯 https://www.propulsion.co.za/scoreyt

📘 Get the Financial Advisor Playbook
• Physical Book: https://www.takealot.com/the-financia...
• Digital Copy on Amazon: https://www.amazon.com/dp/B0D8BL2CGH

🌐 Learn more about PROpulsion and Becoming a member:
👉 https://www.propulsion.co.za/community

––––––––––––––––––––––––––––––––––––––
#FinancialPlanning #TaxDirective #RetirementPlanning #HolisticAdvice #PROpulsio

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What does it take to stay relevant in a world that’s changing faster than ever?

In this episode of PROpulsion LIVE, I’m joined by Richard Mulholland – speaker, author, and founder of Missing Link and Too Many Robots. From touring with Iron Maiden to coaching leaders across the globe, Rich has spent his career helping people and businesses stay relentlessly relevant.

We explore:

- Why relevance is today’s biggest challenge (and opportunity)

- How AI changes the game for advisers and business owners

- Richard’s three principles to avoid irrelevance

- The power of storyselling in sales and client communication

- Red team vs blue team thinking for the future

This conversation is packed with bold insights, practical takeaways, and a bit of mischief too.

👉 Watch now to learn how you can explore new ways of thinking, selling, and leading to stay relevant in 2025 and beyond.

🔗 Resources mentioned: https://getrich.af/linkfarm
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ASCEND SUMMIT TICKETS:
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📊 Take the Professional Practice 10.0 Scorecard
🎯 https://www.propulsion.co.za/scoreyt

📘 Get the Financial Advisor Playbook
• Physical Book: https://www.takealot.com/the-financia...
• Digital Copy on Amazon: https://www.amazon.com/dp/B0D8BL2CGH

🌐 Learn more about PROpulsion and Becoming a member:
👉 https://www.propulsion.co.za/community

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Living annuities are one of the most popular retirement income products in South Africa – but they come with strict rules that are often misunderstood.

In this episode of PROpulsion LIVE, we sit down with Lize de la Harpe, Senior Legal Advisor at Sanlam Corporate, to explore what you can and can’t do with a living annuity. From income drawdowns and commutation rules to divorce settlements and beneficiary nominations, Lize unpacks the complexities in plain language and clears up common misconceptions.

This is a must-watch for financial advisers and planners who want to give their clients the right guidance when it matters most.

📌 What we cover:

👉 How income drawdowns really work (and why they can only be changed once a year)

👉 The conditions under which a living annuity can be commuted

👉 Why the capital can’t be claimed in divorce proceedings

👉 The impact of the Montanari judgment and recent PFA amendments

👉 What advisers should know about beneficiary nominations

Join us as we explore the fine print behind one of the most important retirement planning tools.

Also in this episode:

• FPI Current Affairs
• Build with AI
• Quick Announcements
• Featured Guest


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Succession planning has become one of the most important — and most difficult — conversations in the financial advice profession.

In this episode of PROpulsion LIVE, we welcome Jaco van Tonder, Advisor Services Director at Ninety One, to explore the realities of succession planning for independent financial advisers (IFAs).

Jaco has been in financial services since 1999 and now leads Advisor Services in South Africa at Ninety One. With years of experience in sales, distribution, and product development, he brings a deep understanding of how advice businesses evolve — and what makes them thrive or stumble when it comes to succession.

We’ll discuss:
 • Why succession is such a hot topic for IFAs.
 • The main succession models available — and their pros and cons.
 • Why internal, organic succession is so hard to pull off.
 • What drives the wide differences in valuations of advice firms.
 • The real obstacles to funding mergers, acquisitions, and buy-outs.

If you own or run an advice business, this is a conversation you can’t afford to miss. Whether you’re five years from retirement or just starting out, now is the time to explore your options and prepare your firm for the future.

👉 Don’t miss new episodes every Friday at 8 AM (SAST). Subscribe to PROpulsion LIVE for fresh insights, expert guests, and practical ideas for building a thriving advice business.

ASCEND SUMMIT TICKETS:
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This week on PROpulsion LIVE, Francois sits down with Ettienne Wilsnagh, a seasoned financial services professional with 31 years of experience — from advisor to franchise owner and business leader.
 
Ettienne shares his journey from starting in the life industry straight out of school, to running one of Old Mutual’s most successful franchises, and now turning his attention to guiding the next generation of advisers.
 
We explore:
👉 The lessons he learnt along the way
👉 Why many new advisers are struggling
👉 The success factors that truly matter
👉 His advice for anyone starting in the profession today
 
If you’re a financial adviser, planner, or practice owner looking for honest insights and real stories from someone who has walked the path, this conversation is for you.
 
🔔 Subscribe to PROpulsion LIVE for weekly conversations about building and running a thriving advice business.

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ADMIN AND SUPPORT SURVEY:
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📊 Take the Professional Practice 10.0 Scorecard
🎯 https://www.propulsion.co.za/scoreyt

📘 Get the Financial Advisor Playbook
• Physical Book: https://www.takealot.com/the-financia...
• Digital Copy on Amazon: https://www.amazon.com/dp/B0D8BL2CGH

🌐 Learn more about PROpulsion and Becoming a member:
👉 https://www.propulsion.co.za/community

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AI is changing financial advice, but are you using it responsibly in your practice?

In this episode of **PROpulsion LIVE**, Francois du Toit explores how advisers and planners can bring AI into their businesses without putting clients, or compliance, at risk.

We’ll look at:

✅ Why responsible AI matters for advice firms

✅ The biggest risks: bias, data breaches, and explainability gaps

✅ How the *FPI Code of Ethics* provides a clear guide for AI use

✅ The *Crawl–Walk–Run* approach to adopting AI responsibly

✅ What “good” looks like in practice: real examples you can apply today

With new guidance from the *FSCA* on cloud computing and data offshoring , financial advisers in South Africa face stricter rules than ever before. Uploading client data into tools like ChatGPT is risky, and may soon be outright non-compliant. But that doesn’t mean you can’t benefit from AI. From drafting blogs to summarising client meetings, there are plenty of safe ways to start.

This episode is about building a client-centred, ethical approach that strengthens trust while helping you work smarter.

🔔 Subscribe to PROpulsion LIVE for more insights on financial planning, practice management, and the future of advice.

💬 What’s one low-risk way you’ll test AI in your practice this month? Share your thoughts in the comments!
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📊 Take the Professional Practice 10.0 Scorecard
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📘 Get the Financial Advisor Playbook
• Physical Book: https://www.takealot.com/the-financia...
• Digital Copy on Amazon: