Zoe Riley - Financial Advisor

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Zoe Riley - Financial Advisor Certified Personal Financial Planner. Know what you want, what you have and what it means for you 💰

16/10/2026

Not sure which medical scheme option is best for you in 2027? 👇

Before you decide anything, check your current option properly. That means knowing your benefits and making sure you’re maximising them.

Every scheme has its own way of giving you extra value:

Momentum Health: the Health Platform 
Bonitas: the Benefit Booster
Discovery: the Personal Health Fund and Personal Health Pathways (you know I talk about these all the time!)

Then look at two more things on your plan:

✅ Chronic benefits: what’s covered, and whether your plan fits your needs. Make sure you have registered and that your updated script is on file to make sure your claims are being processed properly. For some conditions you also have consults and supporting blood tests included so we want this benefit in place to avoid these coming from your pocket or day to day. 
✅ Screening benefits: what’s covered, and whether you’re actually using it

The best plan for you isn’t only about the monthly contribution. It’s about the value you can unlock for your family from the plan you choose and whether it meets your needs.

This is Part 2 of my series on choosing the best medical scheme option for 2027. Follow along for Part 3.

Maximising your benefits is what I’m most passionate about. If you’d like help unlocking the full value on your plan and choosing the right option for 2027, let’s work together.

Comment “VALUE” and I’ll be in touch.

14/10/2026

If you’re on Discovery Health and using Personal Health Pathways, this one is time-sensitive

The Personal Health Fund Boost gives you an extra R1,000 per dependant, and it’s only available in 2026.

For all adult members, on ALL plans, all you need to do is:

✅ Register for Personal Health Pathways on the Discovery Health app
✅ Go for your Vitality Health Check at Dischem or Clicks (you don’t need Vitality and Discovery Health pays for this for you)

That’s it. The value gets added to your plan.

But here’s the part people forget: you need to use those funds before the end of the year. They can go towards most day-to-day expenses. A lot of my own Personal Health Fund has gone on medication. There is a limit on over-the-counter medication, but I feel so strongly about you getting these funds that I’ll keep saying it.

Don’t leave this money on the table.

I’m passionate about making sure my clients claim every rand available to them. If you’d like an advisor to help you understand your benefits and help you maximise your cover, I’d love to work with you.

💬 Comment “PHP” and I’ll be in touch.

Like, follow and share for more tips and tricks on how to get more from the products you have

06/10/2026

I am sure you have seen all the recent headlines regarding the announcement of the medical scheme increases for 2027. These increases are most often linked to medical inflation, which runs higher than general inflation (CPI)

Here’s what I want you to know: the number in the headline is usually a weighted average across the scheme.

Your actual increase depends on the plan you’re on, and it could be quite different.

So before you decide anything for 2027, start here:

✅ Find your plan’s actual increase. Find out the increase for your specific option, not the scheme’s average.

✅ Educate yourself. If your scheme offers a member presentation or training, go. You can’t get the most from your plan if you don’t know every benefit on it.

Choosing the right plan for you and your family isn’t always about picking the cheapest option. It’s about knowing exactly what you’re paying for and what you’re entitled to.

This is Part 1 of my series on choosing the best medical scheme option for 2027. Follow along for Part 2.

I’m Zoe Riley | Financial Mentor, a certified financial planner who is passionate about giving good financial advice: exploring your options, finding your plan’s real increase and making sure you maximize every bit of value available to you. If you’d like a medical scheme advisor who works with Discovery, Momentum or Bonitas in your corner for 2027, I’d love to work with you.

DM “ VALUE” and I’ll reach out

September was definitely sparkling! So many highlights from special family time, special friend time, traveling for work...
01/10/2026

September was definitely sparkling!

So many highlights from special family time, special friend time, traveling for work and play to my favorite city and spending time close to the sea

Such an exciting month to host a Vitality Money masterclass with Worth Financial Education to help people understand how to get themselves set up, not only to maximize their rewards but also get their will completed and to invest in their financial education too!

This month expanded me and I will be forever grateful for the consistency I have built, for focusing on impact and continually looking for ways to be a better financial advisor and to looks at ways to support my clients and our business.

There is a lot of activity in October and I am excited to “own it”! What are you celebrating in the month that past or looking forward to in the month ahead?

Love me a margarita, especially a spicy one 🌶️

Absolutely loved re-watching Practical Magic before the sequel which was delightful too. They too love a margarita! 😉

Spring walkie talkies in our local park

Post Masterclass euphoria, what a joy to share and teach how to maximize your benefits

Rooftop sunsets 🌅

Prom walks, just exquisite

Breakfast at Jarryds 😋

Humans under Management conference. Met so many amazing people and was inspired with the presentations

Had to take a selfie

This tidal pool was calling me but a bit too windy and miserable to actually take the plunge

In 7th heaven, coffee and Cheese and Marmite croissant at Black Medicine Coffee Co.

Life after the Fire, so incredible to see this IRL, it won gold at the Chelsea Flower Show

The most exquisite flowers

Celebrating milestones at the gorgeous Benguela Cove parkrun

Beach walkie talkies with very special friends 💖

If I have to leave make sure I have a good window seat

Just love this!

29/09/2026

The only way to guarantee that your minor dependants actually get what you’ve been building, all the financial protection, the wealth is with a signed will.

Yet so many people avoid and postpone this step, never getting it done

It’s Wills Month, with a particular focus on estate planning, I really want to help you get yours drafted and signed and I want to guide you and answer any questions you have.

Discovery Bank is also making this easier for clients.

Planning is one of the key financial behaviours in the Vitality Money programme, and there’s a section on the Planning Ring where you can request a consultant to call you and get your will drafted and stored by Discovery.

✅ it will be housed on the Discovery platform
✅ A seamless process
✅ Plus it warns you 10,000 Vitality Money points every month for the next year

Let’s get it done together and maximize your benefits and your financial protection. DM me WILL” if you’d like my help getting your consultation arranged or comment cheatsheet to get onto the waitlist to receive the Vitality Money cheat sheet

28/09/2026

You don’t need Vitality to earn R1,000 per person on your Discovery Health plan but here is what you do need….

I am so chuffed with the R16 750 extra that we have earned as a family this year through this benefit.
Your amount may be different as the benefit is calculated based on your plan and number of dependants

If you’re on Discovery Health, these are the steps I’d take to make sure you’re maximising your Personal Health Pathways benefits 👇

1️⃣ Activate the benefit
Do this in the Discovery Health app. It’s a personalised system, so every adult member on your membership needs to complete the process.

2️⃣ Get your Personal Health Fund Boost
Complete your health check(paid via your screening benefit) and you earn R1,000. This is a once off Boost. This is available for every dependant on your membership. For any adult members they need to do the health check too, to earn the funds. For children, they get the funds once the adults completed their health checks.

It’s available on all plans, and you don’t need Vitality.

3️⃣ Check the challenges in the app
There are different personalised challenges like helping you sleep well, move better and build better health and these challenges add a surprising large amount to your Personal Health Fund.

4️⃣ Complete your personalised health actions
These are tailored to you, so log in and see what’s waiting. Some actions are easy app based, others are screening tests and others are consultations.

The funds you can earn on your membership is what’s possible when you actually use what you already have access to and when you work and learn from a certified financial planner who is passionate about maximising your cover

This is exactly the kind of thing I fix for my clients every day.

If you want me to review your setup and make sure everything is working for you (not against you),
DM me “PHP” and let’s take a look.

23/09/2026

Exciting news! You don’t need an Apple Watch, Oura Ring or Garmin to earn Sleep Rewards anymore.

Sleep plays such an important role in our overall health and it’s been a major focus for Discovery over the past year, especially with the introduction of Sleep Rewards.

Up until recently, you could only track your sleep using certain wearable devices.

But Discovery has now launched the Vitality Sleep Tracker, built directly into the Discovery app (not Discovery Health) no extra device needed.

Here’s how it works:
1. Log into your Discovery app
2. On the Home screen you see Vitality Sleep Rewards
3. Click and activate the benefit and then select Vitality Sleep Tracker
4. Hit your sleep goal for the week
5. Earn your reward (my standard reward is a Vida Coffee – so one free coffee every week)

No wearable device required. Just the app you already have.

I am Zoe Riley, certified financial planner and I am passionate about helping you maximize your benefits

Like, Follow and share for more tips and tricks on how to get more from what you have

17/09/2026

Have you been avoiding getting your will done?
 
You know it’s the most important financial planning document you can have especially if you’ve got minor children.
 
Yet so many of us find it overwhelming and complicated so it just stays somewhere on the to-do list

This is step 2 on getting set up to improve your Vitality Money status and the second action in the Planning Ring. What I love about all 4 actions in this Ring is that everyone can complete them
 
Getting your will in place brings you a peace of mind like no other and it offers your loved ones comfort that there is plan in place and it ensures that your financial planning ends up in the right hands
 
This Wills Month, Discovery has a keen focus on helping you finally get this done — and there are three ways to do it:
 
✅ Discovery Bank + Vitality Money — go to the Planning Ring, click Wills & Estates and arrange a consultation with their Wills Specialist. Once signed and stored this action earns you 10,000 Vitality Money points every month.

✅ The Worth Financial Education course Worth | Financial Education — includes a direct link through to the Discovery Wills Specialist team. Completing the course also earns you 10,000 Vitality Money points every month. Together that is 20 000 Vitality Money points each month. It is only R5 for a limited period of time

✅ Not a Discovery Bank client? Reach out to your Discovery Accredited Advisor, and they can help you get this sorted too.

I can assist you in getting your will consultation set up – just comment or DM “WILL” and I will reach out

Save this reel to action later and share it with your loved ones so they can know how it easy it is to get this done
 
This isn’t admin. It’s protection, for the people who matter most to you. The ultimate legacy of love

14/09/2026

Wait, what? R5 for 20,000 Vitality Money points?

I’m talking about the Worth financial education course, hosted right inside the Discovery Bank app, in the Planning Ring.

There are actually 4 actions in this ring worth up to 40,000 points total and today we’re breaking down just one of them: the Worth course Worth | Financial Education

Here’s how it works:

Log into your Discovery Bank profile and on the first page you see Vitality money with the 6 rings.

Click on there and make sure you are on the Planning ring
Go to Money Coaching
✅ Choose Wealthy Me (single people/households) or Wealthy Couples 
✅ Just R5 for a limited time
✅ Complete the course within 60 days through the self-paced modules and on completion earn 10,000 Vitality Money points every month
✅ Inside the course there is a new module that links you directly through to Discovery Wills & Trusts
✅ Discovery Wills then helps you draft, sign and store your will with them, earning another 10,000 Vitality Money points every month

These are two of the most important actions that you can take for your future; improve your financial education and getting your will done

Now all for R5 via Discovery Bank and you improve your Vitality money status, increasing your Vitality rewards.

The beauty of these two actions is that anyone can complete them irrespective of where they are on their financial journey

Let’s get it done.

Save this to make sure you action it and share it with your loved ones that need this help too.

13/09/2026

R16,750!! That’s how much we’ve earned as a family so far this year, in our Personal Health Fund, as Discovery Health members.

That is a lot of extra value! And we have spent over R14800 of it already on day-to-day expenses 🙈

We’re 4 adults on a Classic Priority plan — here’s the exact breakdown, so you can see what’s actually possible:

✅ R3,500 — completing personalised health Actions (think mammograms and similar screenings)

✅ R6,250 —Challenges (stay-consistent-with-activity type challenges, we’ve completed five combined)

✅ R3,000 — Personal Health Fund Boost (R1,000 per dependant, for activating the benefit and doing your health check)

✅ R4,000 — Advance, from engaging with the programme last year

That’s R16,750 not from luck, from understanding and engaging in what is available.

Remember that your maximum Personal Health Fund value varies according to your Discovery Health plan and number of dependants. You find all this personalised information inside the Discovery Health app. It applies to ALL members on ALL plans and you don’t need Vitality

This is what’s possible when you actually use what you already have access to and when you work and learn from a certified financial planner who is passionate about maximising your cover

Follow Zoe Riley | Financial Mentor for more tips on how to make your benefits work harder for you, save to refer back to and share this message to help others

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