You’re losing millions in fees – Fynbos Money’s Adrian Hope-Bailie knows how to fix it

In this episode of the Business Unusual Podcast he joins Topco CEO, Ralf Fletcher to chat about the shocking realities of traditional financial advisory fees, the emotional barriers to investing, and why Fynbos Money has adopted a radically transparent, flat-fee membership model.
A roadmap for your business in turbulent times

By Dr Linda Meyer In an era where economic, regulatory, and social conditions can shift rapidly, business leaders need to rethink the purpose of a 12-month plan. Rather than serving as a fixed script, the annual plan should serve as a strategic anchor that provides clarity on intent, priorities, and outcomes, while remaining open to refinement. Its value lies in aligning the organisation around a coherent direction, not in locking leaders into assumptions that may become obsolete within months. Agility is enabled when plans are principles-led, assumption-aware and outcome-focused, allowing leaders to adapt without losing strategic coherence. Operationalising agility Although many leaders speak about the importance of flexibility, few successfully operationalise it. Building real agility requires deliberate choices at the leadership level. Decision-making authority must be clearly defined so that teams can act within agreed guardrails without constant escalation. Budgets should evolve from static control mechanisms into dynamic tools that include contingency, scenario-based allocations, and regular re-forecasting. Shorter planning cycles, disciplined review rhythms, and access to timely, reliable data must support execution. Agility is not the absence of control; it is the presence of clarity, accountability, and informed discretion. Decoding signals One of the most challenging leadership judgements is distinguishing between staying the course through uncertainty and persisting with a plan that no longer reflects reality. The difference lies in evidence rather than intent. Staying the course is justified when core assumptions remain valid, and performance variance can reasonably be attributed to temporary disruption. A plan becomes misaligned when underperformance persists, explanations become repetitive, and operational realities increasingly contradict strategic assumptions. Signals warranting reassessment include structural changes in customer behaviour, persistent margin erosion, regulatory shifts, or weakening of capabilities required to deliver the strategy. Effective leaders test assumptions early and adjust before momentum is lost. Discerning innovation Rapid technological change, particularly in areas such as artificial intelligence, further complicates annual planning. Leaders should approach such developments as strategic enablers rather than reactive distractions. The focus should be on identifying where technology can meaningfully improve productivity, decision quality or service delivery, rather than chasing every innovation. This requires disciplined prioritisation, clear investment criteria, and strong governance to ensure alignment with strategic objectives. By embedding technological considerations into the planning process in a structured way, leaders can harness opportunity without destabilising focus. Ongoing vigilance Over the course of the year, leadership confidence is built through consistent sensing and reviewing disciplines. Regular performance and risk reviews, explicit testing of assumptions, and structured scenario discussions enable early detection of change. Equally important is external scanning of regulatory trends, market dynamics, and competitor behaviour. High-performing leadership teams foster a culture that encourages challenge and surfaces emerging risks early. This allows organisations to adjust course thoughtfully and decisively, guided by insight rather than urgency. Dr Linda Meyer is the Managing Director of ADvTECH’s Independent Institute of Education – Rosebank College, ADvTECH’s Waterfall School of Business, and Capsicum Culinary Studio and the President of Rosebank International University College in Ghana.
Get more productive by prioritising your mental health

World Mental Health Day is observed on 10 October to create public awareness to make issues related to mental health a global priority.
A passion turned into a business: The story of the Standard Bank Top Women EmpowHER Entrepreneur of the Year

Cleopatra’s passion and her pitch impressed the judges so much that she was recognised with the Top Women EmpowHER Entrepreneur of the Year Award 2024, sponsored by Standard Bank at the awards ceremony in December.
Dr Miskyah Toth on how to negotiate and grow your business by leveraging in-demand skills

Join us for the Business Directive Contract Services Future of HR Masterclass with Dr Miskyah Toth, How to Negotiate and Grow Your Business by Leveraging In-Demand Skills, hosted by Mokoena Moloto.
Standard Bank Top Women Entrepreneur of the Year 2024: Brenda Khumalo, Founder of Lobengula Advertising

As the founder and Managing Director of Lobengula Advertising, Brenda’s career is a story of purpose-driven achievement, and her passion for positive change was recognised when she was named the Standard Bank Top Women Entrepreneur of the Year 2024.
From owning your space to daring to become a success: 7 books with practical tips from inspirational women

By Keshia Africa Over the last ten years, the career landscape for women in entrepreneurship has changed tremendously. Women have single-handedly redefined what modern entrepreneurship looks like, in the world of business. Today we take a look at inspirational South African women in business and the books that they’ve written. If you’re a woman in business, looking for inspiration and advice on how to overcome the odds that have been stacked against you, this list is for you: 1. Meeting Your Power: Returning Home To Yourself by DJ Zinhle and Nokubonga Mbanga Entrepreneur and Dj, DJ Zinhle and business coach Nokubonga Mbanga, co-wrote this book. Both women tapped into their lived experiences as women in business and within their personal lives and shared their lessons with us. Meeting your power was written to ignite the desire you have within yourself, to do great things and also be great while doing so. If you want to be an empowered woman, this is the book for you. 2. Own Your Space by Lori Milner and Nadia Bilchik These two authors have successfully navigated the corporate world and also assisted other women in doing so. If you ever wondered if there was a toolkit for women in the world of work, this book is it. The book is filled with guidance, practical advice, disciplines and techniques specifically designed to help you tap into your true potential. The authors have focused this book on women who want to take their career to the next level. Does this sound like you? 3. Nothing is Impossible by Anthea Ambursley Anthea Ambursley is an award-winning entrepreneur. She experienced many highs and lows as she embarked on the journey of creating successful business ventures. Because of this, she realised how much she had to share with the world. Packed with valuable and practical insights, Nothing is Impossible is the book for any entrepreneur; which will help you set and achieve the goals you want to, in your own business. 4. Keep Going by Keneilwe Magula Keneilwe Magula, aside from being an author, is a certified life coach, entrepreneur and NLP practitioner. Adversities and challenges are all a part of the journey in our careers. Kenielwe lives and believes that life is a journey, and it is how we respond to it, that will impact how it plays out. She encourages readers to navigate the journey and be reminded that your current location is not your final destination, and you should, Keep Going. 5. The Business Tango by Anna Shilina Placing the microscope on entrepreneurship and intrapreneurship, author Anna Shilina compares business to the tango – a dance that requires strategic planning, continuous effort and hard work. This book was written from her experience combined with that of other business professionals from various fields within entrepreneurship. If you love to read about someone’s personal experience that provides thought-provoking questions to your own life, this is the book for you! 6. Dare to become a Success by Mulenga Kasoma We all have hopes and dreams in this world, and things we’d like to achieve. However, for many of us, that’s all they are. Mulenga Kasoma’s book speaks about the courage it takes to put action behind those goals and how everything you desire is on the other side of discipline. This book is full of practical guides designed to help you move your life from where you are to where you want to be. Start succeeding in your life, stop making excuses and Dare to become a Success! 7. Power in the Paddock by Yolanda Sing Author and entrepreneur, Yolanda Sing’s life, and corporate career came to a standstill when she fell ill with a malignant brain tumour. It was in her time of recovery that she realised how much she had to share with the world; specifically, those caught in careers that are very demanding and no longer inspirational. Yolanda’s book shares how she became an entrepreneur on a mission through building her own company, after surviving a life-threatening condition. Her book is filled with hope, healing and transformation and written to show you that even in moments of despair, hope can arise within you.
‘When women lead, everyone rises’ – Lessons on entrepreneurship

“Whether you’re just beginning your journey as a small business owner or navigating the nuances of scaling, here are a few key lessons that I believe every woman entrepreneur should hold close.”
Sanlam, Sasol and SARS among 2025 Nedbank Top Empowerment Award winners

The prestigious Nedbank Oliver Top Empowerment Awards 2025 took centre stage on the night of 31 July 2025, celebrating the exceptional individuals, companies, and organisations driving transformation and empowerment across South Africa. Held under the theme “Defying Limits, Empowering Change,” the event gathered the country’s foremost leaders, changemakers and visionaries in a powerful tribute to inclusive growth and economic justice. Hosted by the renowned broadcaster Leanne Manas, the evening commenced with a welcome address by Ralf Fletcher, CEO of Topco Media, who acknowledged the remarkable progress being made in economic empowerment. The event featured insights from the esteemed judging panel during a live Q&A session with Khensani Nobanda, Group Executive: Group Marketing and Corporate Affairs at Nedbank, and Gavin Fitzmaurice, Partner at Webber Wentzel, who reflected on the calibre of this year’s entries. Guests were further inspired by a powerful keynote from Mfundo Nkuhlu, Chief Operating Officer of Nedbank Group, followed by an address from the Honourable Minister Solly Malatsi, Minister of Communications and Digital Technologies, who spoke to the critical role of digital transformation in building an inclusive, empowered future. Congratulations to the finalists and winners of the categories: TOP EMPOWERED COMPANY: FAST GROWTH BLACK-OWNED SMME OF THE YEAR AWARD Winner: Bono Property Group Finalists: TOP EMPOWERED COMPANY: PUBLIC SECTOR OF THE YEAR AWARD Winner: South African Revenue Service (SARS) Finalists: TOP EMPOWERED COMPANY: ENTERPRISE AND SUPPLIER DEVELOPMENT OF THE YEAR AWARD, Sponsored by Nedbank Winner: Mondi Zimele (Pty) Ltd Finalists: TOP EMPOWERED COMPANY: DIVERSITY, EQUITY AND INCLUSION IN THE WORKPLACE OF THE YEAR AWARD Winner: Schneider Electric Finalists: TOP EMPOWERED COMPANY: SUSTAINABLE BUSINESS OF THE YEAR AWARD Winner: Nestlé ESAR Highly Commended: Isanti Glass Finalists: TOP EMPOWERED COMPANY: YOUTH DEVELOPMENT OF THE YEAR AWARD, Sponsored by Nedbank Winner: Sanlam Life Finalists: TOP EMPOWERED COMPANY: DIGITAL TRANSFORMATION OF THE YEAR AWARD Winner: Vaxowave Finalists: TOP EMPOWERED COMPANY: SOCIO ECONOMIC DEVELOPMENT OF THE YEAR AWARD Winner: Sasol Limited Finalists: TOP EMPOWERED: LIFETIME ACHIEVER OF THE YEAR AWARD Honourable Minister Enoch Godongwana – Minister of Finance for South Africa MUNICIPAL WOMEN LEADERSHIP EXCELLENCE AWARD, Sponsored by SALGA NEDBANK OLIVER TOP EMPOWERMENT LEGENDS 2025 TOP EMPOWERED COMPANY: JOB CREATION OF THE YEAR AWARD Winner: Geeks4Learning (Pty) Ltd Finalists: TOP EMPOWERED COMPANY: EDUCATION AND SKILLS DEVELOPMENT OF THE YEAR AWARD Winner: Mondi Zimele (Pty) Ltd Finalists: TOP EMPOWERED: PUBLIC SECTOR LEADER OF THE YEAR AWARD Winner: Edward Kieswetter – South African Revenue Service (SARS) Finalists: RICHARD FLETCHER ENTREPRENEUR OF THE YEAR AWARD Winner: Patricia Tshitema – Bono Property Group Finalists: TOP EMPOWERED: YOUNG ACHIEVER OF THE YEAR AWARD (UNDER 40) Winner: Beverley Siwisa – Afrizan People Intelligence (Pty) Ltd Finalists: TOP EMPOWERED: BUSINESS LEADER OF THE YEAR AWARD Winner: Sindisiwe Dlamini – Pamodzi Unique Engineering Finalists: TOP EMPOWERED COMPANY: BUSINESS OF THE YEAR AWARD, Sponsored by Nedbank Winner: Oceana Group Limited Highly Commended: Isanti Glass Finalists: The 2025 Nedbank Oliver Top Empowerment Awards not only recognised excellence but reignited the national conversation around transformation, equity, and sustainable development. As the winners and finalists take their well-deserved place among South Africa’s top empowered leaders, this year’s event stands as a bold reminder that meaningful change is not only possible – it is already in motion. A heartfelt thank you to our valued sponsors whose support made this celebration of empowerment possible: Nedbank, our Platinum Sponsor; SALGA, also proudly supporting our Category Awards; and our esteemed Lifestyle Sponsors — L’Oréal, Jenna Clifford, and Coca-Cola Beverages South Africa — for adding their unique touch to the evening. Congratulations to all the finalists and winners who continue to inspire, innovate, and lead the way forward.
Africa Tech Digital Transformation Award winner: Etapath’s Co-Founder on making transport more accessible

By Koketso Mamabolo In just five years Etapath went from manual internal process to building an in-house tool which evolved into client-facing, digital-first, centralised tech solution. Their digital transformation journey has seen them help businesses provide their employees with safe, reliable and affordable transport. “Our journey has been rooted in a vision to make transport in South Africa more accessible, efficient, and opportunity-driven,” says Benjamin Gordon, Co-Founder of Etapath, the winner of the 2025 Africa Tech Digital Transformation award. Across the country, Etapath has completed over a million scheduled commutes, with over 15 000 users and the results are impressive: Their corporate clients report 30% in savings on transport and a 40% drop in absenteeism. After having made such an impact in only half a decade, there’s sure to be even more success in store for the rapidly growing tech company. “Opportunities only materialise when you’re prepared to seize them, and we’ve made it a priority to always be ready for what’s next.” Congratulations on winning the Digital Transformation award. What does winning the award mean to you and your organisation? Winning the Digital Transformation Award is a significant milestone for us. It affirms the hard work we’ve invested in evolving from manual operations to digital systems, from reactive problem-solving to proactive innovation, and from serving local needs to having a national footprint. More than just a recognition of our technology, this award honors the real-world impact we’re making; supporting workers on their daily commutes, enabling businesses to function reliably, and opening doors for communities to access better opportunities. Meet the Africa Tech Founder of the Year Please tell us about your journey, how did you get to this point in your career? Our journey has been rooted in a vision to make transport in South Africa more accessible, efficient, and opportunity-driven. Since Etapath’s start in 2020, we’ve focused on delivering high-tech transport solutions that address real-world challenges. Early traction with major corporate clients helped us expand nationally by 2022. Along the way, we developed impactful tools like the Team Manager platform, an integrated payment system, and detailed passenger data analytics. Strategic partnerships with organisations such as BPESA and Google Mobility have played a critical role in our growth and influence. What are the biggest lessons you’ve learnt in your journey and how have you been able to apply them? One of the most important lessons is to never take things personally. The best ideas should win, no matter where they come from. True progress happens when ego steps aside. Another key lesson is that luck is really the intersection of preparation and timing. Opportunities only materialise when you’re prepared to seize them, and we’ve made it a priority to always be ready for what’s next. Read: The full list of winners from 2025 Africa Tech Awards What inspires you to do what you do? We’re driven by a bigger mission: to eliminate technology as a barrier to employment, investment, and growth. We believe tech should be an enabler, not an obstacle. By making commuting simpler, safer, and more affordable, and by equipping small fleet operators with advanced tools, we’re helping build an inclusive and competitive transport ecosystem that benefits everyone, from individual commuters to enterprise-level clients. What do you believe are the major trends you believe we should be looking out for in the next few years? We expect Cape Town to emerge as a key hub for tech innovation in South Africa. We’re also watching the rise of homegrown e-hailing platforms expanding across Africa. And of course, AI is set to transform the transport industry even further; especially in areas like route optimisation, driver allocation, and operational efficiency.