Zoe Riley - Financial Advisor

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

A glimpse into some of the incredible moments and memories that made August so special 🥂❤️Looking forward to a sparkly S...
02/09/2026

A glimpse into some of the incredible moments and memories that made August so special 🥂❤️

Looking forward to a sparkly September ✨💖

Spring is definitely my favorite season. What are you looking forward to this month?

Delicious brekkie on the stoep in Stellies in the winter sunlight

Parkrun smiles

Multiple flights this month, yay, always a window seat

Lots of special family time spread throughout the month ❤️

Jasmine blooming, my favourite

De Lapa celebrations and shenanigans 🥳

My new read 📚🤓

Leather and Gold, she’s 21 years old 🥂❤️

Delicious treats at my clients company wellness day. Everyone who did their health check got R1000 in their Personal Health Fund 👏

Celebrations at a Wine Farm is always a good idea 🎂🥂

Post parkrun Woolies coffee run

The rewards stacked up this month 💰

Waterford wine safari with all my special people 🩷

I see this all the time.A successful, busy woman comes to me feeling like she should have done more with her finances.Bu...
01/09/2026

I see this all the time.

A successful, busy woman comes to me feeling like she should have done more with her finances.

But once we put everything in one place and zoom out, the picture often looks very different.

I often find that there may be:
→ employer benefits she hasn’t fully understood
→ insurance cover that overlaps
→ opportunities to redirect money more effectively
→ retirement savings that have taken her further than she realised
→ important gaps that have simply never been looked at holistically

The issue isn’t that you haven’t been trying.

It’s that nobody has helped you see the whole picture.

And you can’t make great financial decisions about what you can’t see.

This is why I believe clarity is such a powerful first step in building wealth.

Because once you can see it, you can understand it.

Once you understand it, you can make better aligned decisions.

And once you start making intentional decisions, your money can start working much harder for the life you want to create.

Your financial picture may be more valuable than you realise.

Comment CLARITY and I’ll show you what I mean.

30/08/2026

Everyone asks how to navigate Personal Health Pathways.

Here’s exactly where to find it and how it earned us R12,700!

If you’ve been wondering how to navigate Personal Health Pathways in the Discovery Health app, this one’s for you, screenshots and all

Here’s exactly where to find it and how it works:

First make sure you are logging into the Discovery Health app as this is where all the details regarding your Personal Health Pathways lives.

This is a personalised journey for you specifically so each adult member must log into their profile as their pathways will be different.

If you haven’t activated the benefit before, do that now

If you have activated the benefit – you will see you three rings – health, sleep and activity and your progress for closing each one

The Personal Health Pathways has three ways for you to earn funds:
1. Complete your personal health, exercise or sleep actions by the deadline
2. Do your Health Check (free for Discovery members) and receive the R1000 Personal Health Fund boost per dependant – this is where our family earned R4000!
3. Complete the personalised Challenge/s – better health, stay active or sleep well challenge (coming soon)

Below the actions and challenges it shows your Personal Health Fund details including your running total. Ours? R12,700 earned so far this year

Not sure how to go about completing your personal health action – click on the tile and it explains exactly how to complete it. You also have the option to snooze or dismiss it.

Then you can look at what challenge is available to you and exactly how much each one can earn you.

You can also delve into how you much you can earn based on your plan and number of dependants as well as the breakdown of how your funds have been earned via the various

I hope this helps you to navigate the app better and know what is available for you

Like, follow + share if this helped. You can also DM me with “PHP” for personalised support

Disclaimer – all content I share is for educational purposes only and does not constitute financial advice.

26/08/2026

Stuck at 25% rewards when you could be at 50% or 75%?

There’s one move that changes everything 👇

I’m Zoe — certified financial planner, here to help you maximise every benefit you’re already paying for.

If you’re on Vitality, opening a Discovery Bank account isn’t just a nice-to-have, it’s a genuine no-brainer.

Here’s why: your Discovery Bank account takes everything you’ve already signed up for on Vitality Health plus your Vitality Money status and amplifies those rewards.

Same programme, same effort, bigger payout.

The behaviours you’re already being rewarded for?

If your Vitality Money status goes up, those rewards go up with it.

So if you haven’t checked your Vitality Money status recently, that’s your next move.

Follow and share for more on how to get the most out of Vitality and to see more on how to get your Vitality Money status up

There are many different bank account options including a Discovery Account (which is free) so we have a dedicated bank consultant who can assist you in understanding what type of account you are looking for and would suit you best based on your profile. DM me “BANK” and we can support you on getting the right account in place

20/08/2026

Still only getting 10% cashback on your healthy food?

Here is how you get an easy extra 5% sitting right there for the taking

I’m Zoe certified financial planner, passionate to here to help you maximise every benefit you’re already paying for.

I’ve been running a series on setting up your Vitality properly, and today is Step 4.

Quick recap: in our last reel we activated your Healthy Living benefits like healthy food with Checkers and Woolworths.
Once that’s active, you’re earning 10% cashback automatically.

Here’s how to push that to 15%:
📲 Open the Discovery app → Vitality → Rewards
🍎 Find the “Healthy Food” section this shows your current reward %
✅ Complete your Vitality Age assessment (via the app or website)
📈 This small quick action takes you straight from 10% to 15%

Same shopping. Same trolley. More cashback back in your pocket.

Follow along for the rest of the series to hear how you get an additional 10% and more

Want someone in your corner who takes maximising your benefits seriously? I would love to help, DM me “VALUE.”

18/08/2026

Oops I did it again!

I’m Zoe Riley, certified financial planner and today I helped a client save over R1,600 on her life insurance premium. In one conversation.

This is exactly why I love what I do.

Most people are sitting on benefits and policies that were set up years ago and never revisited.

Be honest, does your existing policy meet the needs of your current life and circumstances?

When we work together, I take a holistic view of what you actually have, then make sure every part of it is working as hard as it can for you.

Because here’s the thing, it makes zero sense to overpay on your risk premium.

That’s money that could be building your wealth instead towards things like
- your retirement,
- your tax-free savings account,
- your actual financial independence
- Or to fund a bucket list item because I want to know that a wealthy life looks like for you now and in the future

If this is something you want my eyes on, I have a few ways we can work together but I usually recommend we start with a Financial Clarity Power Hour, so we can see exactly what you have and where you stand.

📩 DM me “CLARITY “ and let’s get started.

16/08/2026

Sharing my Miles D-Day haul and why shopping on the 15th can be a smart move

Here is what I actually paid vs. what things cost

Cleansing balm from Clicks: Retails at R340 paid 30% less, R238, using my Discovery Miles.

Exclusive books voucher: worth R250, I only paid R150 for it. Used it on this book with great reviews, hoping to read it on the plane this week.

Poetry: two R250 vouchers, one for me, one from my husband. Between the two of us, we paid R300 total in Miles on the Wednesday deals

What I bought… new jeans (have been struggling to find some good ones, these are Aluna and they fit really well) They cost R1099. I then paid the balance R419 with Discovery Miles, That’s a 30% saving.

None of this is luck. It’s knowing which vouchers you have, when they expire, and how to stack them with your Miles so you’re never paying full price for things you were going to buy anyway.

This is the kind of thing I help my clients understand and utilize so they maximize their benefits too

Share with me in the comments below what you have bought on Miles D Day and if you want more tips on how to spend smart

If you want a personal financial advisor who takes maximising your benefits seriously? DM me “VALUE.” and I can get in touch

11/08/2026

This is the exact weekly formula that’s kept my Vitality streak alive for 502 weeks
 
Here’s exactly how I do it. 🏃‍♀️

That’s nearly a decade of closing my Vitality Active Rewards goal every single week, without fail. It’s not luck.

It’s a system.

I’m Zoe, a certified financial planner, and I’m not just here to tell you what benefits you have, I’m here to show you how to actually use them.

Here’s exactly how I close my goal every week:
🏃 Saturday morning parkrun parkrun South Africa This is one of my favourite weekly habits. I have completed 345 parkruns and volunteered 74 times. Just one parkrun earns you 300 Vitality points, so you are locked in before the week even properly starts.

⌚ A tracked 30-minute workout here I am using my wearable device (my Apple Watch) to stay in the right heart rate zone during moderate exercise (a solid walk counts). Most days that is another 200 points.

So I do a parkrun, then usually another 3 walks each week, 900 points done

You can also focus on getting 10 000 steps per day, visiting the gym or competing a Vitality Fitness activity and these can earn you 100 points

The secret isn’t working harder. It’s knowing which activities carry the most weight.

This is exactly the kind of strategy I’m breaking down in full at my upcoming Vitality Masterclass. I teach you how to close your goals, maximise your points, and actually extract full value from the benefits you’re already paying for.

Like, follow and share for more tips and tricks and DM me “VITALITY” to join the waitlist

I like this trend, I think it is kinda chic 😜Here are few things that I think fit the brief Hi, I’m Zoe, a certified per...
06/08/2026

I like this trend, I think it is kinda chic 😜

Here are few things that I think fit the brief

Hi, I’m Zoe, a certified personal financial planner that helps women use their money to build a wealthy life they are obsessed with. I am passionate about helping people maximize the benefits of the products they have and to show them their financial products in one plane, their asset map

Let me know in the comments if there are any of my kinda chics that that you agree with or what you have on your list

Follow me Zoe Riley | Financial Mentor to learn more tips and tricks to get the most of your cover and benefits

05/08/2026

Forget Friday, Wednesday is about to become your new favourite day of the week

Here’s why: every Wednesday, Vitality drops your Rewards Wednesday game board and here is how you get rewarded for the goals you already crushed the week before.

Here’s how it works:
1. Close your Vitality Money goal, Drive goal, and/or Active Rewards physical activity goal in the week before
2. Each goal gives you one play on the game board (hit all 3 = 3 plays)
3. Every play reveals a Discovery Miles value, some personalised based on your spend or product range

Stack those Miles for Miles D-Day, or spend them straight in the Vitality Mall

Most members don’t even know this exists or how it works, which means most members are leaving free money on the table every single week.

This is exactly the kind of thing I walk my clients through not just “join Vitality” but how to squeeze every rand of value out of it

Follow along for more of these Vitality tips and tricks and let me know below your favourite Vitality reward/benefit in the comments below

If you want a personal financial advisor who actually takes maximising your benefits seriously then DM me “VALUE” and let’s talk on how I can help you

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Edenvale Ext 1
1609

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