Personalised Financial Planning That Works for You

Suleiman Moolla

Senior Financial Advisor

Financial freedom doesn’t happen by chance — it happens by planning.

A Registered Financial Advisor

about me

Hello, my name is Suleiman Moolla, a seasoned and accredited Financial Advisor at Momentum with over 20 years of experience in the financial services industry. I’ve dedicated my career to helping individuals, families, and businesses achieve financial clarity, long-term stability, and peace of mind.

I began my journey in financial planning on 30 September 2004, and over the years, I’ve proudly served clients through respected institutions including Liberty (10 years), Old Mutual, and currently Momentum since July 2019.

Whether you’re planning for retirement, protecting your family’s future, growing your wealth, or securing your business, I provide tailored solutions that align with your goals.

If you’re looking for a professional, ethical, and knowledgeable financial advisor in South Africa, I’m here to help you make informed decisions that lead to lasting financial success.

Education

I hold a qualification from Stellenbosch University Business School, backed by an NQF Level 5 and a Certificate in Wealth Management. As a registered financial planner, I am fully licensed and accredited to provide advice and services in:

Practice Areas:

Long-term insurance
Short-term insurance
Business Assurance
Health cover
Estate planning

Why Financial Planning Matters

Proper financial planning is more than choosing the right products — it’s about building a strategy that aligns with your goals, lifestyle, and future dreams. Whether you’re planning for retirement, protecting your income, buying your first home, or leaving a legacy for your children, a structured financial plan gives you clarity, confidence, and control.

As a qualified and experienced financial advisor, I help you create a plan that brings together every piece of your financial puzzle — from risk protection and health cover to investment growth and estate planning. With the right guidance, you can make informed decisions, avoid costly mistakes, and stay on track no matter what life brings.

Long-Term Insurance: Protect What Matters Most

When it comes to safeguarding your future and protecting your loved ones, long-term insurance plays a critical role in a sound financial plan. Whether you’re looking for life cover, bond cover, disability insurance, or critical illness cover, the right long-term insurance can provide peace of mind and financial stability when life takes an unexpected turn.

Why You Need Long-Term Insurance

Life is unpredictable. A sudden illness, injury, or untimely death can leave your family financially vulnerable. Long-term insurance solutions are designed to ensure that you or your beneficiaries are protected, no matter what happens.

Key benefits of long-term insurance include:

💼 Life Cover: Provides a lump sum payout to your family or dependents in the event of your passing, ensuring they can maintain their lifestyle and settle debts.
🏡 Bond Cover: Pays off your home loan in the event of death, disability, or serious illness — helping your family keep their home during a difficult time.
🚫 Disability Insurance: Offers income protection if you’re unable to work due to a temporary or permanent disability.
❤️ Critical Illness Cover: Pays out a tax-free lump sum if you’re diagnosed with a specified major illness, such as cancer, stroke, or heart disease.

Who Needs Long-Term Insurance?

If you have dependents, a home loan, or a monthly income that supports your lifestyle, you need long-term insurance. It’s especially important for:

Breadwinners and parents
Homeowners with outstanding bonds
Business owners and entrepreneurs
Anyone concerned about the financial impact of illness or disability

Tailored Solutions That Fit Your Life

I work exclusively with Momentum, one of South Africa’s most reputable and established insurance providers. This allows me to offer personalised, competitively priced long-term insurance solutions that fit your unique needs. Whether you’re looking for life cover, bond protection, disability income, or critical illness benefits, I’ll help you secure cover that protects you and your loved ones when it matters most.

Comprehensive Short-Term Insurance – Personal & Commercial Cover

Protect what matters most with tailored short-term insurance solutions designed to give you peace of mind. I offer personal cover for vehicles, household contents, buildings, and portable possessions — ensuring you’re covered against theft, damage, and unforeseen events.

For business owners, I provide commercial insurance solutions that safeguard your assets, stock, equipment, vehicles, and business continuity. Whether you’re a sole proprietor or managing a growing enterprise, I’ll help you structure the right level of business insurance to keep you protected and compliant.

Momentum Insure offers competitive premiums, fast claims processing, and service you can trust.

Momentum Health – Flexible Building-Block Medical Aid

Momentum Health offers a flexible, building-block approach to medical aid, allowing members to structure their cover based on personal needs and affordability. You’re empowered to build a plan that’s relevant to your life — no unnecessary extras, just what works for you.

Key choices include:

Select between network or any private hospital for hospitalisation benefits
Choose a chronic care provider that suits your needs, from state and network to private options
Why pay a high premium for chronic coverage if you have no chronic condition?
Add Momentum HealthSaver, a personal medical savings account to pay for co-payments, consultations, over-the-counter medicines, and other out-of-pocket medical expenses

This modular setup helps you manage your healthcare costs more effectively while still enjoying excellent benefits.

Gap Cover – Momentum GapCover for Complete Protection

Even with top-tier medical aid, you may still face shortfalls — especially when specialist rates exceed your plan’s limits. Momentum GapCover bridges that gap.

What sets it apart is its seamless, integrated claims process. Because GapCover is aligned with Momentum’s medical aid, your claims are processed automatically with fewer delays, paperwork, or confusion. It’s an efficient, stress-free solution to protect yourself from unexpected medical costs not fully covered by your plan.

Business Assurance – Protecting Your Business, Securing Its Future

Every business is built on people — owners, key employees, and partnerships. But what happens if one of them unexpectedly passes away, becomes disabled, or critically ill? Business Assurance provides essential financial protection to ensure your business can survive and thrive through life’s uncertainties.

It’s not just insurance — it’s strategic risk management.

Buy and Sell Agreements

A Buy and Sell Agreement ensures the smooth transfer of business ownership should a partner pass away or become incapacitated. It provides the remaining owners with the funds needed to buy the outgoing partner’s share, avoiding disputes and ensuring business continuity. This protects the business, the surviving partners, and the deceased’s family.

Key-Man Insurance

Losing a key person can cripple operations and cash flow. Key-Man Cover provides a payout to the business if a critical team member dies, becomes disabled, or suffers a critical illness. This helps cover recruitment costs, revenue loss, and operational disruptions — keeping the business stable during a difficult transition.

Contingent Liability Cover

When a business owner signs surety for company debts, their personal estate becomes liable if they pass away. Contingent Liability Cover settles those debts, protecting the owner’s estate and ensuring the business doesn’t collapse under financial strain.

Final Note

Business Assurance is not optional — it’s essential.
It ensures your business remains financially resilient, protects shareholder value, and provides peace of mind that you’re prepared for the unexpected.

Corporate Employee Benefits – Build a Stronger Workforce

Momentum Corporate offers a full suite of employee benefit solutions tailored to support your staff while enhancing your business’s financial resilience and morale.

Pension & Provident Funds
With Momentum’s FundsAtWork umbrella funds, your employees save for retirement while enjoying built-in life, disability, and funeral cover—giving them financial security today and in years to come.

Group Insurance
From life and critical illness benefits to disability and funeral cover, group insurance protects employees and their families when faced with major life events—helping preserve both personal and business stability.

Corporate Health Solutions
Employers can provide medical aid facilitation, wellness programmes, chronic condition management, and more—all through Momentum’s corporate health plans.

Wellness and Savings Tools
Incentivise healthy employee behaviour with Momentum Multiply+ and HealthSaver—smart platforms offering rewards and healthcare savings opportunities.

Digital Tools & Engagement
User-friendly digital portals, mobile apps, retirement counselling, and wellness support make benefit engagement seamless and impactful for HR teams.

Why Momentum Corporate Benefits Matter:

Attract and retain top talent with robust benefit packages
Reduce financial stress for employees during critical events
Boost employee wellbeing and engagement
Streamline HR administration with digital tools and support

Momentum Corporate’s building-block approach ensures your employee benefits align perfectly with corporate strategy and culture. Let’s design a package that works for your people and protects your business goals.

Wills & Estate Planning – Secure Your Legacy and Protect Your Loved Ones

Estate planning is not just for the wealthy — it’s for anyone who wants to ensure that their assets are distributed according to their wishes, and their loved ones are protected after they’re gone.

Without a valid will:

Your estate is distributed according to the Intestate Succession Act, not your wishes
Delays and family disputes may arise
Your children’s guardianship and finances could be left to the courts
The costs to your estate could be higher than necessary

Having a proper estate plan gives you control, peace of mind, and the ability to:

Appoint guardians for your children
Name executors and trustees you trust
Reduce tax liabilities and administrative costs
Protect beneficiaries with trusts and structured payouts

Momentum Trust is South Africa’s largest fiduciary services provider, offering:

Free wills professionally drafted
Dedicated estate attorneys managing every estate with precision and care
The Estate Provider Benefit – a unique solution that covers estate administration costs so your loved ones don’t have to

Don’t leave your legacy to chance. A simple will, backed by proper estate planning, can make a world of difference. I’ll help you draft and implement a clear, legally sound estate plan that truly protects what matters most.

For more insights, watch for detailed articles in the Insights section coming soon.