In the latest episode of Money, Markets, and Masterminds, Citywire South Africa editor Ruan Jooste sits down with Bryan Nicol, independent financial adviser at Freedom Financial Planning; Duane Naicker, corporate partnerships executive at Alexforbes; and Johann Peens, independent employee benefits Specialist and financial adviser, to unpack one of the industry’s most persistent challenges: the messy handover between employee benefits and post-retirement advice. From the surge in digital platform usage under the two-pot system to the pitfalls of duplication and over-insurance, the discussion tackles how data sharing, fee transparency, product design, and real financial advice—not just benefit counselling—can transform outcomes for members. Tune in for sharp insights on closing South Africa’s retirement savings gap, and why advisers, employers, and providers need to collaborate more closely than ever.