Momentum – Graduate Programme

Becoming a financial adviser requires more than learning about financial products. Graduates must also build competence in client support, regulation, ethical advice, financial planning and professional relationship management. TIB Wealth, in partnership with Momentum Distribution Services, is offering a structured three-year Independent Financial Adviser Graduate Programme in Durban, KwaZulu-Natal.

The programme begins with an administrative and client-support foundation, progresses into paraplanning and concludes with supervised experience as a Junior Financial Adviser. Graduates will receive structured training, mentorship and practical exposure while working towards the regulatory and professional competence required in financial advice.

Important: This is a three-year graduate-development programme rather than an immediate permanent appointment as an independent financial adviser. Progression through the programme will depend on learning, performance, assessments, regulatory requirements and the conditions communicated by TIB Wealth and Momentum Distribution Services.

At a glance

What this graduate programme is

This is a structured three-year development programme designed to prepare graduates for a career as professional financial advisers.

The programme combines accredited training, practical workplace experience, mentorship, client-support exposure and preparation for regulatory requirements in the financial-services industry.

Participants will begin in an administrative support role, progress to paraplanning and then move into a Junior Financial Adviser role under supervision.

The programme also includes exposure to community and corporate social investment initiatives, allowing graduates to develop professional competence while contributing to financial literacy, inclusion and community trust.

Remuneration and progressive role changes are confirmed in the official advert. The amounts are not included in this post.

Programme structure

Year 1: Foundation Phase – Administrative Assistant

The first year focuses on technical proficiency, compliance, client support and the administrative foundations of a financial-advice practice.

• Support Independent Financial Advisers with client onboarding.
• Assist with general client administration.
• Prepare and manage compliance documentation.
• Participate in structured technical, business and client-training modules.
• Gain exposure to financial-needs analysis.
• Learn about FAIS, POPIA and other compliance requirements.
• Develop professional client-communication skills.
• Follow up on cases and help ensure that outstanding matters are resolved promptly.
• Build relationships with clients, mentors and other stakeholders.
• Develop skills in practice management, financial literacy, marketing and digital tools.
• Receive ongoing mentorship and coaching.

Year 2: Transition Phase – Paraplanner

The second year focuses on holistic financial planning, analytical ability and more advanced technical support for financial advisers.

• Transition into a paraplanner role.
• Support advisers with the preparation of financial plans.
• Begin preparing for the Regulatory Examination for Representatives, commonly known as RE5.
• Learn to develop holistic financial plans.
• Identify appropriate cross-sell and upsell opportunities while maintaining fair client treatment.
• Assist with client reviews.
• Apply knowledge of financial products and quotation processes.
• Learn how clients may be segmented according to their needs and circumstances.
• Continue structured training and mentorship through the New Adviser Academy.
• Strengthen analytical, reporting and client-relationship skills.

Year 3: Junior Financial Adviser under supervision

The third year focuses on adviser readiness, client-facing experience and completion of the required Fit and Proper competency development.

• Transition into a Junior Financial Adviser role under supervision.
• Work towards completing Fit and Proper competency requirements.
• Complete relevant Class of Business training.
• Complete required product-specific training and accreditation.
• Work towards completing the RE5 qualification.
• Gain practical exposure to client-facing engagements.
• Develop experience in the delivery of suitable and ethical financial advice.
• Participate in quarterly mock client-facing assessments.
• Build confidence in presenting inclusive financial solutions.
• Prepare for longer-term professional development, which may include RE1 examinations and the Certified Financial Planner designation.

Important: The programme structure above is based on the official vacancy. Progression between the stages should not be treated as automatic. Participants may need to meet performance, learning, compliance, regulatory and assessment requirements communicated during the programme.

Who this opportunity may suit

This programme may suit a graduate who wants to build a long-term career in financial advice, wealth management, financial planning or adviser-practice support.

It may be particularly relevant to someone who is comfortable working with clients, financial information, regulations, administrative processes and structured professional-development requirements.

The programme may also suit graduates interested in progressing from financial-services administration into paraplanning and eventually supervised financial advice.

Because the programme includes client interaction and community initiatives, applicants should be willing to engage respectfully with people from different backgrounds and financial circumstances.

Qualification requirements

The official advert requires a minimum BCom degree in one of the following fields:

• Financial Planning.
• Estate Planning.
• Legal Business Management.
• Marketing.
• Communications.
• Finance.

Applicants should state the exact degree title, institution and completion date clearly on the CV and candidate profile.

The official advert does not list a National Diploma, Higher Certificate or unrelated degree as an alternative. Applicants should therefore check that their qualification matches one of the stated fields before applying.

Other minimum requirements

• Strong digital capabilities.
• Willingness to engage with diverse stakeholders.
• Must reside in Durban, the placement region or surrounding areas.
• Must be willing to participate in structured training, assessments and feedback sessions.
• Must be prepared to work with clients, mentors, community partners and internal stakeholders.
• Must follow financial-services compliance and ethical requirements.
• Must provide complete, accurate and truthful information during the official application process.

Experience requirement explained

No previous financial-services industry experience is required.

The programme is specifically designed for graduates who are willing to learn and grow within the financial-advice industry.

Applicants should still include relevant academic projects, vacation work, volunteering, leadership activities or customer-service experience that demonstrates communication, organisation, ethics, digital ability or relationship-management skills.

Applicants should not invent formal industry experience. Graduate applications can use genuine academic, community and extracurricular examples to demonstrate potential.

Duties and responsibilities

Client onboarding and administration

• Support Independent Financial Advisers with client onboarding.
• Assist with client administration.
• Prepare and manage compliance documents.
• Deliver professional and client-centred support to advisers and clients.
• Contribute to service delivery that meets agreed standards.
• Recommend suitable improvements to client service.
• Promote fair treatment of clients.

Reporting and business support

• Assist with preparing reports.
• Assist with preparing presentations.
• Support data analysis used for business decisions.
• Identify possible improvements to workflows.
• Help reduce unnecessary resource wastage.
• Manage company resources responsibly during the programme.
• Provide input into risk identification and mitigation processes.

Compliance and professional development

• Support compliance with FAIS requirements.
• Support compliance with POPIA requirements.
• Follow other regulatory and organisational requirements.
• Participate in structured learning modules.
• Complete assessments and participate in feedback sessions.
• Continuously expand knowledge of financial services and industry developments.
• Develop knowledge of ethical financial-advice practices.
• Take responsibility for personal career development through mentorship, continuing professional development and reflective practice.

Relationships and community initiatives

• Build and maintain positive relationships with clients.
• Work collaboratively with mentors, peers and internal stakeholders.
• Engage professionally with community partners.
• Participate actively in corporate social investment initiatives.
• Help strengthen community trust and brand reputation.
• Share ideas that contribute to learning and continuous improvement.

Competencies listed in the advert

Deciding and initiating action

Applicants should demonstrate initiative, confidence and accountability in both business activities and community projects.

Systems thinking

Participants should understand how administrative work, client interactions and community initiatives connect to the organisation’s wider objectives and reputation.

Planning and organising

The programme requires graduates who can set objectives, manage time, organise resources, adapt to change and meet deadlines.

Delivering results and meeting client expectations

Participants should maintain accuracy, professionalism and high service standards while meeting programme and community-project expectations.

Following instructions and procedures

Graduates must follow organisational policies, compliance obligations, programme requirements and community-project guidelines reliably.

Coping with pressure and setbacks

Participants should remain productive and composed under pressure, balance competing demands and use feedback constructively.

Entrepreneurial and commercial thinking

Applicants should show awareness of financial-services trends and community needs and should look for responsible ways to create business and client value.

Skills and attributes that may help

• Interest in financial planning and professional financial advice.
• Clear verbal and written communication.
• Strong administrative accuracy.
• Professional client-service ability.
• Comfort using digital systems and productivity tools.
• Ability to analyse financial and client information.
• Respect for confidentiality and personal information.
• Commitment to ethical behaviour.
• Ability to follow regulated processes carefully.
• Resilience when following up on outstanding cases.
• Willingness to learn from mentors and feedback.
• Ability to work with people from different backgrounds.
• Interest in community development and financial inclusion.
• Long-term commitment to professional growth.

What this programme really means

This programme is designed as a progressive professional-development pathway rather than a short general internship.

Participants should expect to spend the first stage learning administration, compliance and client-support processes before moving into more technical financial-planning work.

By the third year, participants may gain supervised client-facing experience while completing the training and regulatory development needed for adviser readiness.

The programme also requires ongoing learning, assessments, mentorship, feedback and participation in community initiatives.

Applicants should confirm the employment arrangement, progression conditions, performance requirements, working hours, remote-work arrangements, regulatory examination costs and any post-programme career opportunities directly with TIB Wealth or Momentum Distribution Services if shortlisted.

Documents to prepare

Applicants should prepare the following before starting the online application:

• An updated CV.
• A clear copy of a South African ID or other valid identity document, if requested.
• The relevant completed BCom degree certificate.
• A complete academic record, if requested.
• Details of financial planning, finance, marketing, communication, legal or business modules.
• Examples of relevant academic projects.
• Details of volunteering, leadership, community work or customer-service exposure.
• Examples showing digital skills and use of business software.
• Information confirming that you live in Durban or the surrounding placement region.
• A reliable cellphone number.
• A professional email address.
• Any additional supporting documents requested through the official Momentum Group eRecruit platform.

Need assistance with preparing your CV and application documents? Visit our Learnership Resources and Guides.

Important note for applicants

This is a structured three-year Independent Financial Adviser Graduate Programme.

The programme is offered by TIB Wealth in partnership with Momentum Distribution Services and is based in Durban, KwaZulu-Natal.

Applicants must hold an eligible BCom degree and must reside in the placement region or surrounding areas.

No previous financial-services industry experience is required.

Remuneration is confirmed for the different programme stages, but the amounts are not included in this post.

The official listing describes the opportunity as remote some of the time. It does not state the exact office-attendance schedule or whether remote work applies during every programme stage.

The official advert does not guarantee permanent employment or appointment as an unsupervised financial adviser after completing the programme.

Momentum Group is committed to Employment Equity, diversity and inclusion. The official advert encourages people with disabilities to apply.

About Momentum Distribution Services and Momentum Group

Momentum Distribution Services forms part of Momentum Group’s financial-services environment and supports the distribution of financial products, advice and client solutions.

Momentum Group is a South African financial-services group with client-facing brands that include Momentum, Metropolitan, Guardrisk and Eris Properties.

The Group provides services across areas such as insurance, investments, savings, financial advice, retirement solutions and related financial-services activities.

The official careers information states that Momentum Group provides graduate, financial-adviser and other career-development opportunities and aims to help young South Africans develop their careers.

Learn more through the official Momentum Group website

Quick tips for applicants

• Apply before the official closing date of 27 July 2026.
• Submit by 26 July 2026 to reduce the risk of missing the deadline.
• Use reference number MMH260625-105 when tracking the vacancy.
• State your complete BCom degree title clearly.
• Include the institution and qualification-completion date.
• Highlight financial-planning, finance, compliance, marketing, communication or business modules.
• Show strong digital capabilities on the CV.
• Include examples of client service, administration, volunteering or community involvement.
• Demonstrate integrity, organisation, resilience and willingness to learn.
• Make it clear that you reside in Durban or the surrounding placement region.
• Check that your cellphone number and email address are correct.
• Apply only through the official Momentum Group eRecruit vacancy page.

Common mistakes that get applicants rejected

• Applying without one of the eligible BCom degrees.
• Not stating the full degree title clearly.
• Leaving the institution or completion date off the CV.
• Applying while living outside the placement region without meeting the residency requirement.
• Submitting a generic CV that does not connect to financial advice or client service.
• Not showing digital capabilities.
• Ignoring academic, volunteer or community experience because no formal industry experience is required.
• Claiming to have financial-services or software experience that cannot be supported.
• Providing incomplete or inconsistent qualification information.
• Using an incorrect cellphone number or email address.
• Uploading an outdated or incomplete CV.
• Failing to complete the eRecruit candidate profile.
• Applying through an unofficial recruitment page.
• Submitting the application after 27 July 2026.

Scam warning (important)

Applicants should apply only through the official Momentum Group eRecruit vacancy page or another recruitment link clearly connected to an official Momentum Group website.

Momentum Group’s official careers information states that it uses official recruitment channels and will not request payment for job applications.

Do not pay anyone for registration, an application, an interview, an assessment, regulatory-examination preparation, training, equipment, transport or placement in the programme.

Do not share banking PINs, passwords, one-time PINs or account login information with anyone claiming that they can guarantee acceptance into the programme.

Be cautious of unsolicited job offers, private social-media accounts, unofficial WhatsApp messages or email addresses that request payment or unnecessary financial information.

Upload your CV, identity documents, degree certificate and academic records only through an official and secure recruitment process.

Always return to the official Momentum Group vacancy page to confirm that the opportunity and application link remain active.

How this opportunity was verified

This opportunity was verified from the official Momentum Group eRecruit listing for the Graduate Programme – Independent Financial Adviser offered by TIB Wealth in partnership with Momentum Distribution Services.

The official listing confirmed the programme title, reference number, Graduate position type, Operations role family, Momentum Distribution Services cluster, Durban location, KwaZulu-Natal province, partial remote-work classification and closing date.

The listing also confirmed the three-year structure, progressive Administrative Assistant, Paraplanner and Junior Financial Adviser stages, qualification requirements, no-experience requirement, residency requirement, duties, competencies, training, mentorship, regulatory-development areas and remuneration.

The official Momentum Group website and careers information were used to confirm the employer information and recruitment-scam warning.

Remuneration is confirmed in the official advert, but the amounts are not included in this post. The official listing does not separately state benefits, exact working hours, the office-attendance schedule, the number of programme places or permanent-employment prospects.

Read more about our process on the How We Verify Listings page.

How to apply

1. Open the official Momentum Group eRecruit application link below.
2. Read the complete Independent Financial Adviser Graduate Programme advert.
3. Confirm that you have one of the eligible BCom degrees.
4. Confirm that you reside in Durban or the surrounding placement region.
5. Prepare your updated CV, degree certificate and academic record.
6. Include relevant academic projects, digital skills, community activities and client-service experience.
7. Select the Apply option on the official vacancy page.
8. Create an eRecruit candidate profile or sign in to your existing account.
9. Complete the candidate profile fully before attempting to submit the application.
10. Complete all personal, qualification, location and screening questions honestly.
11. Upload your CV and supporting documents requested by the official platform.
12. Read the recruitment, privacy and application terms carefully.
13. Check that your degree, contact, residency and document information is correct.
14. Submit the application by 26 July 2026 where possible.
15. Keep the application confirmation or other proof of submission.

Application Closing Date

The official closing date is 27 July 2026.

Applications close soon. The official vacancy does not state the exact closing time, so applicants should submit by 26 July 2026 to reduce the risk of missing the deadline because of technical problems, missing documents or an incomplete eRecruit profile.