Spectre Wealth Connect

Health Buddy helps you share important information about your health and daily life, step by step, in a friendly chat. I’ll explain any medical terms in simple language, check that you understand each question, and only ask what’s relevant to you. Your answers are private and will help us give you the best support possible. If you’re ever unsure, just ask! I’m here to help :)

Let’s get you ready for your yearly check-in with your financial adviser so you can feel confident and make the most of your money. We’ll help you prepare to ensure your review actually helps you reach your goals and stay on the right side of the rules.

I’m here to help you submit your motor vehicle insurance claim quickly and easily. I’ll guide you step-by-step, help collect all the details and documents you need, and answer your questions. When we’re done, you’ll get a confirmation email and your adviser will be notified. Expect clear instructions and a hassle-free experience—so you can get back on the road soon!

The classic budgeting rule splits income into needs (50%), wants (30%), and savings (20%). Here’s how to adjust it for yourself.

Many South African employees don’t realise their benefit plan includes free financial coaching. Here’s how to use this free perk.

Starting a new job is exciting, but between signing contracts and meeting colleagues, it’s easy to rush through your employee benefits paperwork. In South Africa, your benefits package is a critical part of your financial safety net.

A smooth claims process helps employees get the benefits they’re entitled to — and keeps frustration at bay.

South African employers are required to comply with a range of laws and regulations that govern employee benefits. From retirement funds to workplace injury cover, each aspect comes with its own rules.

With 73% of South Africans battling debt, balancing repayments and savings feels impossible. Try this approach.

Cashing out your pension when changing jobs might seem tempting, but in South Africa, this could cost you up to 36% in tax and rob your future self of compound growth. Consider these alternatives.

Filing a motor vehicle insurance claim can feel overwhelming, especially after an accident or theft. Knowing the correct steps can speed up the process and ensure a successful claim. Here’s a simple guide to help you navigate the process.

You'll receive a comprehensive action plan, see prompt implementation of agreed changes, get regular progress updates, and have ongoing support when needed. This creates accountability and keeps your financial plan on track.

Losing a loved one is stressful enough – avoid delays in life insurance payouts with this checklist.

Your review covers your complete financial picture – income, expenses, investments, insurance, and goals. We'll discuss life changes, review performance, and ensure your plan stays aligned with your evolving needs.

Being in a car accident is stressful, but staying calm and following the right steps can protect your safety and insurance claim. Here’s what to do immediately after an accident.

Financial stress affects productivity, engagement, and even employee retention. That’s why more South African businesses are introducing financial wellness programs as part of their benefits strategy.

South Africa’s economic volatility makes emergency savings non-negotiable. Here a few things to consider.

Welcome to your company’s employee benefits programme! This guide will help you seamlessly onboard yourself onto your medical aid, retirement fund, and other benefits.

Choosing between a lump sum and annuity is one of the biggest retirement decisions. Here’s what to consider.

To deliver the best advice, advisers need practical tools that simplify day-to-day work — from client onboarding to compliance. This toolkit includes everything you need to stay professional, efficient, and adviser-ready.

Adjusting your retirement contributions doesn’t have to mean sacrificing your monthly budget. In South Africa, even small changes can have a big impact over time. Here’s how to make it work.

Your annual financial review isn't just another appointment – it's essential for keeping your money working optimally and avoiding costly mistakes that could derail your financial future.