Isithebe Financial Wellness is a B-BBEE Level 1, BankSETA-accredited company specialising in the delivery of employee wellness programmes. Drawing on our extensive experience in investment management and psychological and emotional wellness, we have developed a unique, multi-disciplinary skillset. This allows us to develop customised financial wellness programmes tailored to the specific needs of our clients. No two organisations face the same challenges, so we will never recommend an off-the- shelf solution. Our Vision: Financial health and emotional wellbeing Through raising awareness and transferring skills, we are committed to transforming the narrative of South Africans on financial and psycho socio-economic issues.
Our mission to build a financially knowledgeable community by providing financial wellness programmes to employees. Our approach involves guiding employees towards financial education, helping them achieve financial mastery by applying concepts to their lives, and fostering positive financial habits through small, rewarding changes. The ultimate goal is financial wellness, which reduces stress and improves overall well-being, creating shared value for both employees and employers through increased productivity and engagement.
#EarlyStart | Learnerships and Interns:
Mastering Your Finances from Day One
Starting your first job or stepping into a new role can be both exciting and overwhelming. The thrill of a new salary can quickly turn into confusion when faced with complex financial jargon and benefits. That's where our #EarlyStart program comes in – designed specifically for new employees and first-time workers to navigate the world of personal finance with confidence.
Unlock the Secrets of Your Salary and Benefits | Get clarity on your salary structure, provident fund, and employee benefits
- Understand your take-home pay and deductions
- Make the most of your provident fund and retirement savings
- Leverage employee benefits for estate planning
- Manage stakeholder relationships and expectations
Take Control of Your Finances | Discover your money personality and learn how to:
- Eliminate duplication of risk benefits and optimize your coverage
- Understand group life insurance and what it means for your dependents
- Create a life stage plan and prepare for different life milestones
- Choose the right asset classes and investments for your age and goals
#Onboarding | New Employees:
Unlocking Your Financial Potential
Starting your first job or stepping into a new role can be both thrilling and overwhelming. But do you know what's even more empowering? Understanding your payslip and unlocking the benefits that come with it! Our #Onboarding program is designed specifically for new employees and first-time workers to master the art of personal finance and set themselves up for long-term success.
Decoding Your Payslip |The Key to Unlocking Your Benefits
- Understand your salary and benefits structure
- Make the most of your provident fund and retirement savings
- Leverage employee benefits for estate planning
- Manage stakeholder relationships and expectations
Taking Control of Your Finances | Discover your money personality and learn how to:
- Eliminate duplication of risk benefits and optimize your coverage
- Understand group life insurance and what it means for your dependents
- Create a life stage plan and prepare for different life milestones
- Choose the right asset classes and investments for your age and goals
Mastering Debt and Savings
- Understand interest rates and manage debt effectively
- Consolidate debt or seek counseling when needed
- Explore savings and investment products tailored to your needs
- Identify potential investment scams and schemes
#Reconcile | General Employees:
Unlocking Your Earning Potential
Take your salary to the next level with our comprehensive program designed for employees looking to boost their financial well-being. This program focuses on optimizing your financial strategy to achieve your goals and secure your future.
Optimize Your Finances
- Assess and requote risk policies (car, house, etc.) to save money
- Review life policies to ensure adequate coverage for financial dependents
- Manage debt effectively by understanding interest rates and negotiating better terms
- Monitor your credit status and improve your credit score
Secure Your Future | Discover the importance of:
- Estate planning and understanding Section 37C of the Pension Funds Act
- How your marriage regime affects estate distribution
- Providing for dependents, including children outside of marriage
Grow Your Wealth | Understand the difference between saving and investing, and learn how to:
- Use financial products to achieve your goals
- Augment your life cover needs using employee benefits
- Choose the right products for each dependent
#PreRetirement
Dream Big, Plan Bigger
The countdown to retirement is on! This is an exciting time, and we're thrilled to help you prepare for the next chapter of your life. Our #PreRetirement Program is designed specifically for employees nearing retirement, focusing on creating a fulfilling and financially secure post-work life.
Envision Your Retirement
Imagine waking up every morning, doing what you love, and living life on your terms. What does your ideal retirement look like? What hobbies do you want to pursue? What travels do you want to embark on? Let's make it happen!
Secure Your Finances. Get clarity on your retirement funds
- Check if you have enough savings to support your desired lifestyle
- Explore ways to increase your provident fund contribution
- Plan to eliminate debt and reduce expenses before retirement
- Consider estate planning and ensure your Will is in order
Prepare for Life's Next Chapter. Think about what you want to achieve in retirement
- Plan for frail care and medical expenses
- Explore financial products like life annuities and living annuities
- Understand tax implications at retirement
Make Your Retirement Dreams a Reality. Our program will guide you through the process
- Create a personalized retirement plan
- Enjoy a fulfilling and financially secure retirement
#GEPF Employees
As a GEPF employee, you're part of a unique retirement fund. But do you know how it works and how to make the most of your benefits? Our #GEPF programme is designed specifically for GEPF employees, covering essential topics to help you achieve financial wellness.
Understanding Your Benefits
- The difference between Public sector funds, Pension Funds, and Provident funds
- Your current employee benefits and how to augment them where necessary
- Tax implications at various life stages (resignation, retirement, preservation, divorce, and death)
Managing Debt Effectively
- Borrow against your retirement fund wisely
- Understand interest rates and credit profiling
- Reduce debt and achieve financial freedom
Financial Products for Your Needs. Explore the role of different financial products, including:
- Life cover vs. funeral cover
- Saving vs. investing: understanding the difference
- Choosing the right products for your goals and needs
Take Control of Your Finances. Our program will empower you to:
- Make informed decisions about your benefits and finances
- Create a personalized financial plan
- Achieve financial wellness and security
The Business Finance Planning course from Isithebe Financial Wellness is a transformative learning experience designed to uplift and empower small businesses through practical financial education. Many entrepreneurs operate with passion and skill, yet feel overwhelmed or uncertain when it comes to managing their business finances. This course changes that by giving them the financial clarity and confidence needed to build stable, sustainable, and growth-ready enterprises. For corporates that support small businesses, this is one of the most meaningful investments you can make. When entrepreneurs understand their numbers, everything in their business becomes stronger.
Benefits for Small Businesses and Corporate Partners
Benefits to Small Businesses
- Improved financial confidence and decision making
- Practical understanding of cash flow, budgeting, costing, and forecasting
- Stronger financial discipline and long term planning
- Better pricing strategies and improved profitability
- Reduced financial errors and compliance issues
- Understanding of financial statements and business performance drivers
- Ability to manage risk and prepare for uncertainty
- Stronger business sustainability and resilience
- Increased readiness for funding, investment, and growth opportunities
- More efficient operations supported by clear financial insight
Benefits to Corporate Partners
A more reliable and financially stable supplier base
Reduced risk when funding or supporting small businesses
Improved supplier performance and long term contract reliability
Alignment with enterprise and supplier development goals
Stronger local economic contribution and measurable social impact
A more professional and financially educated network of business partners
Better compliance and reduced failure rates across supported businesses
Enhanced corporate reputation for supporting real, sustainable development
Isithebe offers a multitude of options:
Workshops
- Face to face or online
- The length of the session will be as per client’s requirements
- Will be facilitated to groups, with the maximum number per session being 15
Corporate Wellness Days - Onsite
- Can be held as a standalone or alongside other Wellness Day initiatives
- We will print Credit reports for participants along with other financial awareness tools
Publications and Newsletters
- We will print Credit reports for participants along with other financial awareness tools
- Newsletters according to financial themes are available via our partner, My GOTO.
Individual Sessions
- This will be a closed session with the individual
- Each session will be for 1 hour
