The More We Know, The Better We Do: Income protection, Medical Aid & Retirement | Adele Barnard

The More We Know, The Better We Do — The Future of Financial Advice in South Africa | Adele BarnardThe more we know, the better we do — especially with money.In this episode, host Nicolet Mashili sits down with financial planner Adele Barnard (Graviton Capital) to unpack the future of financial planning in South Africa. From protecting your income to navigating medical aid, gap cover, and retirement — this is a practical, jargon-free guide to moving from product-pushing to truly client-centric advice. IN THIS EPISODE, YOU'LL LEARN: ✓ Why protecting your earning potential matters more than your car or home ✓ The difference between product-led vs advice-led financial planning ✓ Income protection vs disability cover — what South Africans get wrong ✓ Medical aid, gap cover & medical inflation — how to think about it clearly ✓ Regulation 28 and what you need in retirement, not just for retirement ✓ How financial advice is paid for: commission vs flat-fee models ✓ What we should actually be teaching kids about money CHAPTERS: 00:00 - Intro: The More We Know, The Better We Do 01:45 - From the classroom to financial planning — Adele's journey 11:31 - The biggest gap: protecting your ability to earn 19:20 - Medical aid, gap cover & why medical inflation hits hard 31:32 - Retirement realities & Regulation 28 explained simply 42:15 - What should we teach the next generation about money? 52:00 - How advice gets paid: commissions, fees & client-centric advice 1:02:30 - Final takeaways: Know better, do better ABOUT THE GUEST: Adele Barnard is a financial planner at Graviton Capital with a background in education. She’s passionate about simplifying complex financial concepts and helping South Africans make informed decisions around risk, health cover, and long-term retirement planning. RESOURCES MENTIONED: Regulation 28, income protection, medical scheme gap cover NEXT STEPS: If this helped you, subscribe to Financial Bunny for practical, South African money conversations every week. Leave a comment: What’s one money lesson you wish you learned earlier? 📧 Business enquiries: me@nicolettem.com #FinancialPlanningSouthAfrica #IncomeProtection #RetirementPlanning #MedicalAidSouthAfrica #FinancialLiteracy #FinancialBunny #AdeleBarnard #moneymanagement Disclaimer: This content is for educational purposes only and does not constitute personal financial advice. Please consult a licensed financial advisor for advice tailored to your circumstances.