Johannesburg South is a place full of resilience — families who push forward, rebuild after setbacks, and strive for financial stability. These stories inspire our work every day at DWD Financial Planners, where financial planning is not just a service, but a partnership built on trust and guidance.
This month, we share the story of the Mokoena family from Ridgeway — a story shaped by courage, careful planning, and the supportive protection of Momentum Insurance, one of South Africa’s most trusted providers of financial security.
When Life Suddenly Changes
After 14 years with the same employer, Thabo faced unexpected retrenchment when his company restructured. The family suddenly had no income, and the lump-sum payout, tax rules, and loss of medical cover created overwhelming stress.
“It felt like everything stopped at once — we didn’t know where to start,” says Thabo.
A close friend referred them to DWD Financial Planners in Winchester Hills, a decision that became the turning point in their journey.
A Plan Built for Protection & Growth
Our team completed a full financial assessment to stabilise the family quickly and protect their long-term future.
With careful planning, we created a recovery and protection strategy:
- Their provident fund was transferred into a DWD Preservation Fund, preventing unnecessary tax loss.
- A DWD Tax-Free Savings Account was started to ensure long-term, cost-effective growth.
- Short-term protection was secured through Momentum Insurance’s Life & Disability Cover, giving the family immediate financial security in case of further uncertainty.
- We added Momentum’s Income Protection to safeguard their monthly living needs.
- A structured Wealth & Budget Plan helped steady their finances while Thabo looked for new employment.
“For months we lived with fear — but once the plan was in place, we finally felt protected,” says Lerato.
A Brighter Chapter Ahead
Six months later, Thabo secured a new role with better benefits and long-term pension support. Their investments are growing, their risk cover is secure with Momentum, and they finally have peace of mind.
The Mokoenas’ story is a reminder that the right guidance — paired with the right insurance partner — can turn crisis into confidence.
At DWD Financial Planners, we proudly work with leading providers like Momentum Insurance to help families protect what matters and build a future they can trust.
