Zoe Riley - Financial Advisor

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

26/10/2026

Want to maximise your discounts across all your Vitality benefits?

That’s why we combine Vitality Health with Vitality Money.

This is part of my ongoing Vitality Money series, and today we’re on the second key financial behaviour: the Savings Ring.

It can add 25,000 to 30,000 points towards your Vitality Money status (depending on your Bank card colour) .

Here’s how to get it set up:
✅ Open the Discovery Bank app
✅ Go to Vitality Money
✅ Open the Savings Ring
What they’re looking for: ideally, 2 to 3 times your gross annual salary saved. 💰

A few things worth knowing:
- They take into account all the money in your Discovery accounts and investments-
- Have investments elsewhere? You’ll need to upload proof so they count towards your ring

These are the tips and tricks I love sharing as a Certified Financial Planner who is passionate about helping you get the most out of your benefits. Most people have no idea how their savings connect to their rewards, and that’s exactly where I love to help.

I recently held a Vitality Money masterclass with a cheat sheet that walks you through all of this.

Comment “CHEAT SHEET” and we’ll send it to you.

Like, follow and share for more tips and tricks, and stay tuned for the next part of the series so you can also get the most from your benefits and maximise your rewards

23/10/2026

My family are going to hate me for this 🙈

We’ve earned an extra R17,950 on our Discovery Health plan via our Personal Health Pathways, and I’m chasing R2,300 more

You know I’ve been on a mission to get as much value as possible from our Discovery Health plan this year.

I’ve just checked our Personal Health Pathways, and so far we’ve earned R17,950. We have another R2,300 to go, which would take us to R20,250 in extra benefits on our plan.

Here’s where we are:
- We’re a family of 4 adults, and all four of us have done our Personal Health Fund Boost, which puts R4,000 into our Personal Health Fund
- I’ve completed all my personalised health actions
- I’ve completed two challenges
There’s nothing more I can do on my side. 😳
But I suspect there are still actions and challenges sitting on the family member’s apps, hence why they may not like me as I encourage them to get it done.

I wanted to show you what’s possible when you actually engage with the benefits you already have access to.

Let me know, have you checked your Personal Health Pathways lately? Open the app and see what’s waiting for you. Most members have no idea how much is available.

Remember that your Personal Health Fund is determined by what Discovery Health plan you are on and how many dependants you have. It is on ALL plans and you don’t require Vitality

I’m passionate about helping you get the most out of your plan. If you’d like someone in your corner to make sure you’re claiming every rand available to you, I’d love to work with you.
Just comment “PHP” and I’ll be in touch.
Like, follow and share for more tips and tricks on how to get the maximum value from what you have

21/10/2026

Want to know how you can earn another 20,000 Vitality Money points every single month?

This is part of my ongoing Vitality Money series.
In Part 1, we looked at the Planning Ring, and I’ve already shared two reels on the Worth Financial Education course and getting your will done.

Today I’m sharing the other two Planning Ring actions:
- Your financial needs analysis. You complete this with an accredited Discovery advisor, and it earns you 10,000 Vitality Money points.
- Set up your Financial Analyser. This helps you create a budget and stick to it, and it earns you 10,000 Vitality Money points every month for three months, then stay within 5% of budget and categorise your spend .

Not sure how to set up the Financial Analyser? There are easy-to-follow videos inside the Discovery Bank app that walk you through it step by step.

Not sure where? Login to Discovery Bank, click the three dots in bottom right corner (More), scroll down to help and then how-to-videos. Scroll down to Banking features and the first one is personalise your Vitality Money Financial Analyser, watch and then action it  

I’m passionate about helping you get the most out of the benefits you already have access to. If you’d like someone in your corner to make sure you’re claiming every reward on offer, I’d love to work with you.

DM me the word “FNA” and I’ll reach out on how you get your financial needs analysis done and completed for the 10,000 Vitality Money points.

Like, follow and share for more tips and tricks, and stay tuned for the next part of the series.

19/10/2026

Want the chance to win a R5,000 Takealot voucher AND earn 20,000 Vitality Money points?

It will be just in time for December, here’s how you can do both.

In the Vitality Money Masterclass last month (September was Wills Month), I encouraged you to do two things you were probably going to get to eventually:
1. Complete the Worth Financial Education course through Discovery Bank for just R5 for a limited period. That earns you 10,000 Vitality Money points.

2. Get your will done with Discovery. That earns you another 10,000 Vitality Money points.

Do both and you’re in the draw to win a R5,000 Takealot voucher. Entries close 30 November 2026.

How to enter:
1. Take a screenshot of your Planning Ring in the Vitality Money section of your Discovery Bank app. It must show that you’ve completed the Worth course, that your will is signed and safely stored with Discovery Wills, and that you’ve earned the 20,000 Vitality Money points.
2. Submit your screenshot by either:
Emailing it to [email protected] OR
Posting it to your Instagram stories and tagging both Zoe Riley | Financial Mentor and Worth | Financial Education

The draw takes place by Friday 4 December. One action for your knowledge. One for the people you love. And you’re rewarded for both.

Haven’t started yet? There’s still time. Comment “CHEAT SHEET” and I’ll send you the masterclass replay and everything you need.

Like, follow Zoe Riley | Financial Mentor and share for more tips and tricks on how to get the most from what you have, invest in your financial education and protect your loved ones

16/10/2026

Not sure which medical scheme option is best for you in 2027? 👇

Before you decide anything, check your current option properly. That means knowing your benefits and making sure you’re maximising them.

Every scheme has its own way of giving you extra value:

Momentum Health: the Health Platform 
Bonitas: the Benefit Booster
Discovery: the Personal Health Fund and Personal Health Pathways (you know I talk about these all the time!)

Then look at two more things on your plan:

✅ Chronic benefits: what’s covered, and whether your plan fits your needs. Make sure you have registered and that your updated script is on file to make sure your claims are being processed properly. For some conditions you also have consults and supporting blood tests included so we want this benefit in place to avoid these coming from your pocket or day to day. 
✅ Screening benefits: what’s covered, and whether you’re actually using it

The best plan for you isn’t only about the monthly contribution. It’s about the value you can unlock for your family from the plan you choose and whether it meets your needs.

This is Part 2 of my series on choosing the best medical scheme option for 2027. Follow along for Part 3.

Maximising your benefits is what I’m most passionate about. If you’d like help unlocking the full value on your plan and choosing the right option for 2027, let’s work together.

Comment “VALUE” and I’ll be in touch.

14/10/2026

If you’re on Discovery Health and using Personal Health Pathways, this one is time-sensitive

The Personal Health Fund Boost gives you an extra R1,000 per dependant, and it’s only available in 2026.

For all adult members, on ALL plans, all you need to do is:

✅ Register for Personal Health Pathways on the Discovery Health app
✅ Go for your Vitality Health Check at Dischem or Clicks (you don’t need Vitality and Discovery Health pays for this for you)

That’s it. The value gets added to your plan.

But here’s the part people forget: you need to use those funds before the end of the year. They can go towards most day-to-day expenses. A lot of my own Personal Health Fund has gone on medication. There is a limit on over-the-counter medication, but I feel so strongly about you getting these funds that I’ll keep saying it.

Don’t leave this money on the table.

I’m passionate about making sure my clients claim every rand available to them. If you’d like an advisor to help you understand your benefits and help you maximise your cover, I’d love to work with you.

💬 Comment “PHP” and I’ll be in touch.

Like, follow and share for more tips and tricks on how to get more from the products you have

06/10/2026

I am sure you have seen all the recent headlines regarding the announcement of the medical scheme increases for 2027. These increases are most often linked to medical inflation, which runs higher than general inflation (CPI)

Here’s what I want you to know: the number in the headline is usually a weighted average across the scheme.

Your actual increase depends on the plan you’re on, and it could be quite different.

So before you decide anything for 2027, start here:

✅ Find your plan’s actual increase. Find out the increase for your specific option, not the scheme’s average.

✅ Educate yourself. If your scheme offers a member presentation or training, go. You can’t get the most from your plan if you don’t know every benefit on it.

Choosing the right plan for you and your family isn’t always about picking the cheapest option. It’s about knowing exactly what you’re paying for and what you’re entitled to.

This is Part 1 of my series on choosing the best medical scheme option for 2027. Follow along for Part 2.

I’m Zoe Riley | Financial Mentor, a certified financial planner who is passionate about giving good financial advice: exploring your options, finding your plan’s real increase and making sure you maximize every bit of value available to you. If you’d like a medical scheme advisor who works with Discovery, Momentum or Bonitas in your corner for 2027, I’d love to work with you.

DM “ VALUE” and I’ll reach out

September was definitely sparkling! So many highlights from special family time, special friend time, traveling for work...
01/10/2026

September was definitely sparkling!

So many highlights from special family time, special friend time, traveling for work and play to my favorite city and spending time close to the sea

Such an exciting month to host a Vitality Money masterclass with Worth Financial Education to help people understand how to get themselves set up, not only to maximize their rewards but also get their will completed and to invest in their financial education too!

This month expanded me and I will be forever grateful for the consistency I have built, for focusing on impact and continually looking for ways to be a better financial advisor and to looks at ways to support my clients and our business.

There is a lot of activity in October and I am excited to “own it”! What are you celebrating in the month that past or looking forward to in the month ahead?

Love me a margarita, especially a spicy one 🌶️

Absolutely loved re-watching Practical Magic before the sequel which was delightful too. They too love a margarita! 😉

Spring walkie talkies in our local park

Post Masterclass euphoria, what a joy to share and teach how to maximize your benefits

Rooftop sunsets 🌅

Prom walks, just exquisite

Breakfast at Jarryds 😋

Humans under Management conference. Met so many amazing people and was inspired with the presentations

Had to take a selfie

This tidal pool was calling me but a bit too windy and miserable to actually take the plunge

In 7th heaven, coffee and Cheese and Marmite croissant at Black Medicine Coffee Co.

Life after the Fire, so incredible to see this IRL, it won gold at the Chelsea Flower Show

The most exquisite flowers

Celebrating milestones at the gorgeous Benguela Cove parkrun

Beach walkie talkies with very special friends 💖

If I have to leave make sure I have a good window seat

Just love this!

29/09/2026

The only way to guarantee that your minor dependants actually get what you’ve been building, all the financial protection, the wealth is with a signed will.

Yet so many people avoid and postpone this step, never getting it done

It’s Wills Month, with a particular focus on estate planning, I really want to help you get yours drafted and signed and I want to guide you and answer any questions you have.

Discovery Bank is also making this easier for clients.

Planning is one of the key financial behaviours in the Vitality Money programme, and there’s a section on the Planning Ring where you can request a consultant to call you and get your will drafted and stored by Discovery.

✅ it will be housed on the Discovery platform
✅ A seamless process
✅ Plus it warns you 10,000 Vitality Money points every month for the next year

Let’s get it done together and maximize your benefits and your financial protection. DM me WILL” if you’d like my help getting your consultation arranged or comment cheatsheet to get onto the waitlist to receive the Vitality Money cheat sheet

28/09/2026

You don’t need Vitality to earn R1,000 per person on your Discovery Health plan but here is what you do need….

I am so chuffed with the R16 750 extra that we have earned as a family this year through this benefit.
Your amount may be different as the benefit is calculated based on your plan and number of dependants

If you’re on Discovery Health, these are the steps I’d take to make sure you’re maximising your Personal Health Pathways benefits 👇

1️⃣ Activate the benefit
Do this in the Discovery Health app. It’s a personalised system, so every adult member on your membership needs to complete the process.

2️⃣ Get your Personal Health Fund Boost
Complete your health check(paid via your screening benefit) and you earn R1,000. This is a once off Boost. This is available for every dependant on your membership. For any adult members they need to do the health check too, to earn the funds. For children, they get the funds once the adults completed their health checks.

It’s available on all plans, and you don’t need Vitality.

3️⃣ Check the challenges in the app
There are different personalised challenges like helping you sleep well, move better and build better health and these challenges add a surprising large amount to your Personal Health Fund.

4️⃣ Complete your personalised health actions
These are tailored to you, so log in and see what’s waiting. Some actions are easy app based, others are screening tests and others are consultations.

The funds you can earn on your membership is what’s possible when you actually use what you already have access to and when you work and learn from a certified financial planner who is passionate about maximising your cover

This is exactly the kind of thing I fix for my clients every day.

If you want me to review your setup and make sure everything is working for you (not against you),
DM me “PHP” and let’s take a look.

Address

Edenvale Ext 1
1609

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