Momentum – Graduate Programme

Graduate programmes can help new graduates build structured workplace experience, professional confidence, technical knowledge and career direction. Momentum Distribution Services, in partnership with TIB Wealth (Pty) Ltd, is recruiting for a Graduate Programme – Independent Financial Adviser (IFA) opportunity in Durban, KwaZulu-Natal.

This is a structured three-year programme designed to help graduates build professional competence, ethical awareness, client-focused skills and practical exposure in the financial advice environment. The programme moves from administrative support to paraplanning and then into a junior financial adviser role under supervision.

Important: The official advert states that no prior industry experience is required. However, applicants must meet the qualification requirement and must reside in the region of placement and surrounding areas.

At a glance

What this opportunity is

This is a three-year graduate programme for motivated graduates who want to build a career in financial services and financial advice.

The programme is offered by Momentum Distribution Services in partnership with TIB Wealth (Pty) Ltd. It is designed to build professional competence, ethical awareness, client-focused skills and practical experience in the independent financial adviser environment.

The programme provides accredited training, mentorship and hands-on exposure in the world of financial advice. It is structured to help graduates progress from administrative support to paraplanning and then to junior financial adviser work under supervision.

The official advert also includes exposure to business operations, community initiatives, client service, compliance, financial planning, adviser support and career development activities.

The official advert does not state the number of positions available or whether permanent employment is guaranteed after the three-year programme.

Programme structure

Year 1 – Foundation Phase: Administrative Assistant

The first year focuses on technical proficiency, compliance and client support.

• Support Independent Financial Advisers with client onboarding.
• Assist with administration and compliance documentation.
• Participate in structured learning modules covering technical, business and client training.
• Gain exposure to financial needs analysis, FAIS, POPIA and client communication.
• Build relationships with clients, mentors and stakeholders.
• Develop skills in practice management, financial literacy, marketing and digital tools.
• Receive continuous mentorship and coaching.

Year 2 – Transition Phase: Paraplanner Role

The second year focuses on holistic financial planning and more advanced technical skills.

• Transition into a paraplanner role.
• Support advisers with financial planning work.
• Begin preparation for the Regulatory Examination 5, also known as RE5.
• Learn to develop holistic financial plans.
• Identify cross-sell and upsell opportunities where appropriate.
• Support client reviews.
• Apply knowledge of financial products, quoting processes and client segmentation.
• Continue mentorship and structured training through the New Adviser Academy.
• Strengthen analytical, reporting and client relationship skills.

Year 3 – Junior Financial Adviser under supervision

The third year focuses on Fit and Proper competency and adviser readiness.

• Transition into a junior financial adviser role under supervision.
• Complete Fit and Proper competency requirements.
• Complete Class of Business training.
• Complete product-specific accreditation.
• Work towards the RE5 qualification.
• Gain practical exposure to client-facing engagements.
• Build experience in advice delivery and ethical practice.
• Participate in quarterly mock client-facing assessments.
• Prepare for longer-term career progression, including possible RE1 exams and CFP designation.

Who this opportunity may suit

This graduate programme may suit a motivated graduate who wants to launch a career in financial services, financial planning, financial advice, client support, paraplanning or wealth advisory services.

It may be suitable for applicants with a BCom degree in Financial Planning, Estate Planning, Legal Business Management, Marketing, Communications or Finance.

The programme may also suit candidates who want structured mentorship, accredited training, practical client-service exposure and a long-term career path in the financial advice landscape.

Because the role is based in Durban and the official advert requires applicants to reside in the region of placement and surrounding areas, candidates should consider whether they meet the location requirement before applying.

The programme may be especially suitable for graduates who have strong digital capabilities, communication skills, planning ability, ethical awareness and a willingness to work with diverse stakeholders.

What you will do and learn

The official advert lists the following duties and responsibilities:

Client onboarding, administration and compliance

• Support Independent Financial Advisers with client onboarding.
• Assist with administration and compliance documentation.
• Ensure compliance with FAIS, POPIA and other regulatory requirements.
• Provide professional, client-centred support to advisers and their clients.
• Contribute to service delivery that meets agreed standards and expectations.

Reports, presentations and data analysis

• Assist in preparing reports.
• Assist in preparing presentations.
• Support data analysis to inform business decisions.
• Strengthen analytical and reporting skills.
• Learn how information supports adviser and business decision-making.

Structured learning and professional development

• Participate in structured learning modules.
• Participate in assessments and feedback sessions.
• Build professional competence through mentorship and training.
• Continuously expand knowledge of financial services, industry trends and ethical practice.
• Take ownership of personal career development through mentorship, CPD activities and reflective practice.

Client relationships and stakeholder engagement

• Build and maintain positive relationships with clients.
• Build relationships with community partners.
• Build collaborative working relationships with internal stakeholders, peers and mentors.
• Recommend enhancements to client service.
• Promote fair treatment of clients.

Community initiatives and improvement work

• Participate in CSI initiatives that strengthen community trust and brand reputation.
• Share innovative ideas.
• Contribute to a culture of learning and improvement.
• Identify opportunities to streamline workflows and reduce resource wastage.
• Provide input into risk identification and mitigation processes.

Important: The duties above are based on the official vacancy. Momentum Distribution Services and TIB Wealth may allocate additional reasonable graduate programme, adviser-support, paraplanning, client-service, compliance, reporting, CSI or development activities according to business and programme requirements.

Eligibility requirements

Applicant requirements

• Must have a minimum of a BCom degree in Financial Planning, Estate Planning, Legal Business Management, Marketing, Communications or Finance.
• Must have strong digital capabilities.
• Must be willing to engage with diverse stakeholders.
• No prior industry experience is required.
• Must reside in the region of placement and surrounding areas.
• Should be interested in financial services, financial advice and client support.
• Should be willing to participate in accredited training, mentorship and structured development activities.
• Should be able to work with clients, advisers, mentors, community partners and internal stakeholders.
• Must provide complete, accurate and truthful information during the recruitment process.

Qualification requirement explained

The official advert requires a minimum BCom degree in one of the listed fields: Financial Planning, Estate Planning, Legal Business Management, Marketing, Communications or Finance.

Applicants should clearly state the qualification name, institution, field of study and completion status on their CV.

Applicants should also upload or provide supporting qualification documents if requested by the official application platform.

Candidates should not list qualifications they do not have. Momentum Group or its recruitment partners may verify education information during the screening process.

No prior industry experience requirement explained

The official advert states that no prior industry experience is required.

This means graduates without financial-services work experience may apply if they meet the qualification, location and other programme requirements.

Applicants can still include part-time work, internships, student leadership, volunteer work, community projects, client-service exposure, academic projects or digital skills if these are relevant and truthful.

Location requirement explained

The official advert states that applicants must reside in the region of placement and surrounding areas.

The listed town or city is Durban, KwaZulu-Natal. Applicants should consider whether they live close enough to attend the programme and meet work or training requirements.

The official advert states that the role has remote opportunity some of the time, but applicants should not assume the programme is fully remote.

Financial adviser development explained

The programme is structured to develop graduates from administrative support into paraplanning and then into junior financial adviser work under supervision.

The official advert mentions preparation for RE5, Fit and Proper competency requirements, Class of Business training and product-specific accreditation. These are important steps for adviser readiness in the financial-services environment.

Applicants should be prepared for structured learning, assessments, compliance requirements, ethical practice and client-centred service throughout the programme.

Competencies listed in the advert

The official vacancy lists the following competencies:

• Deciding and initiating action.
• Systems thinking.
• Planning and organising.
• Delivering results and meeting client expectations.
• Following instructions and procedures.
• Coping with pressures and setbacks.
• Entrepreneurial and commercial thinking.
• Initiative, confidence and accountability.
• Accuracy and professionalism.
• Adaptability and learning from feedback.
• Awareness of industry trends and community needs.

What this opportunity really means

This is a structured graduate programme with a clear three-year development pathway.

The first year focuses on administrative support, technical proficiency, compliance and client support. The second year transitions into paraplanning and financial planning support. The third year moves into junior financial adviser work under supervision.

The opportunity may help graduates build practical competence in financial advice, client onboarding, compliance, reporting, financial planning, ethical practice, client communication and adviser support.

Applicants should confirm the exact employment conditions, contract terms, remote-work arrangements, training schedule, mentorship structure and progression requirements directly with the employer if shortlisted.

Application checklist

Prepare the following information and documents before applying:

• Updated CV.
• Clear copy of your South African identity document, if requested.
• Proof of your BCom degree in one of the required fields.
• Academic transcript, if requested.
• Details of your field of study, institution and completion date.
• Information confirming that you reside in Durban or the surrounding placement region.
• Examples showing digital capability.
• Examples showing communication, stakeholder engagement and client-service potential.
• Examples of academic projects, internships, volunteer work, student leadership or community initiatives, if relevant.
• Examples showing planning, organising, accuracy and professionalism.
• Reliable cellphone number and professional email address.
• Any supporting documents requested through the official Momentum Group eRecruit application platform.

Need assistance with CVs, certified documents and application preparation? Visit our Learnership Resources and Guides.

Important note for applicants

This is a graduate programme opportunity. It is not advertised as a basic learnership or no-qualification opportunity.

The official advert requires a minimum BCom degree in one of the specified fields. Applicants should apply only if they meet the qualification requirement or if the employer confirms that their qualification is acceptable.

No prior industry experience is required, but applicants should be prepared for structured learning, client-facing development, compliance exposure, adviser-support work and financial planning development.

The official advert states that applicants must reside in the region of placement and surrounding areas.

The official advert includes stipend and salary amounts for the three programme stages. Applicants should confirm payment structure, contract terms and progression conditions directly with the employer if shortlisted.

Momentum Group states that applicants should verify the legitimacy of the job advert on the company career page.

Momentum Group also states that it is committed to Employment Equity, diversity and inclusion when recruiting internally and externally. Appointments are made in alignment with Employment Equity goals, and people with disabilities are encouraged to apply.

About the sponsor

Momentum Distribution Services forms part of Momentum Group’s financial-services environment.

Momentum Group Limited is a South African financial services group active in life insurance and integrated financial services.

The official vacancy is offered in partnership with TIB Wealth (Pty) Ltd and is designed to help graduates develop into trusted financial advisers of the future.

Learn more through the official Momentum Group website.

Quick tips for applicants

• Apply as soon as possible because the official closing date is 30 June 2026.
• Use reference number MMH260625-105 when tracking the application.
• Make sure your CV clearly shows your BCom degree and field of study.
• Highlight Financial Planning, Estate Planning, Legal Business Management, Marketing, Communications or Finance studies where relevant.
• State your Durban or surrounding-region location clearly.
• Show digital capability, client-service potential and communication skills.
• Include academic projects, volunteer work, internships or leadership experience if relevant.
• Use examples that show planning, organising, resilience and professionalism.
• Do not exaggerate financial-services experience. The advert says no prior industry experience is required.
• Check that your cellphone number and email address are correct.
• Submit by 29 June 2026 to reduce the risk of missing the official deadline.

Common mistakes that get applicants rejected

• Applying without the required BCom degree or acceptable qualification.
• Submitting a CV that does not show the field of study clearly.
• Not showing residence in the placement region or surrounding areas.
• Using a generic CV that does not show interest in financial services or financial advice.
• Leaving digital skills, communication skills or stakeholder experience off the CV.
• Claiming qualifications or experience that cannot be supported.
• Not reading the full three-year programme structure before applying.
• Providing incorrect education dates or personal details.
• Using an incorrect cellphone number or email address.
• Uploading an outdated or incomplete CV.
• Submitting the application after 30 June 2026.

Scam warning (important)

Applicants should apply only through the official Momentum Group eRecruit page or another vacancy page clearly linked from an official Momentum Group, Momentum Distribution Services or partner career page.

Do not pay anyone for registration, an application, an interview, a background check, training, accreditation, examination access, equipment or placement. Legitimate employers do not require applicants to pay money to secure a graduate programme opportunity.

Do not share banking PINs, passwords, one-time PINs or unnecessary financial information with anyone claiming that they can guarantee a Momentum Group or TIB Wealth graduate programme placement.

Be cautious of recruitment messages sent from unofficial email addresses, private social-media accounts or cellphone numbers that request payment, favours, banking information or confidential documents outside the official application process.

Upload identity documents, qualifications and other sensitive documents only through the official and secure recruitment process.

Always return to the official Momentum Group vacancy page and verify the reference number MMH260625-105 before applying.

How this opportunity was verified

This opportunity was verified from the official Momentum Group eRecruit listing for Graduate Programme – Independent Financial Adviser (IFA) TIB Wealth (Pty) Ltd in partnership with Momentum Distribution Services (MDS).

The official listing confirmed the closing date, reference number MMH260625-105, official job title, graduate position type, Operations role family, Momentum Distribution Services cluster, remote opportunity wording, South Africa location country, KwaZulu-Natal province, Durban town or city, programme introduction, three-year journey wording, accredited training, mentorship and hands-on financial advice exposure.

The official listing also confirmed the three programme stages, Year 1 stipend, Year 2 salary, Year 3 salary, administrative assistant phase, paraplanner phase, junior financial adviser under supervision phase, RE5 preparation, Fit and Proper competency requirements, Class of Business training, product-specific accreditation, qualification requirements, no-prior-industry-experience wording, residence requirement, duties, competencies and Employment Equity statement.

The official advert did not state the number of available positions or whether permanent employment is guaranteed after the three-year programme when last checked.

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

How to apply

1. Open the official Momentum Group application link below.
2. Read the complete Graduate Programme – Independent Financial Adviser (IFA) advert carefully.
3. Confirm that you meet the BCom degree requirement and residence requirement.
4. Review the three-year programme structure before applying.
5. Prepare your updated CV and any supporting documents requested by the official eRecruit platform.
6. Select the Apply option on the official vacancy page.
7. Create a candidate profile or sign in if you already have one.
8. Complete all personal, education, location and experience questions honestly.
9. Enter your qualification, digital skills, stakeholder experience, client-service exposure and financial-services interest accurately.
10. Upload your updated CV and any documents requested by the official platform.
11. Check that your cellphone number, email address, qualification details and uploaded documents are correct.
12. Submit the application by 29 June 2026 where possible.
13. Keep the application confirmation or proof of submission.

Application Closing Date

The official closing date is 30 June 2026.

The official vacancy does not state the exact closing time. Applicants should submit by 29 June 2026 to reduce the risk of missing the deadline because of technical issues, missing documents or an incomplete online profile.