Episode 2: The Middle: Family, Growth, and Generational Shifts

Episode 3: The Last Third: Legacy and Living Fully in Retirement

Hosted by: Nishlen Govender | Featuring: John Kennedy Welcome to The Wealth Journey, the podcast where we unpack the financial, emotional and lifestyle dimensions of building wealth with purpose. In this episode, host Nishlen Govender is joined by John Kennedy, Director and Regional Head, Cape Town. With 24 years at Citadel, John brings a lifetime of experience helping clients transition into one of the most significant life stages: retirement. Together, they explore the often misunderstood third stage of life, a phase that can be both liberating and overwhelming. John breaks retirement down into three key stages: the active years, the passive years, and the supportive years. He shares how designing life across these stages with intention can unlock a fulfilling and secure retirement. Key Themes Covered: Why retirement is more than just financial, it’s deeply emotional and relational The importance of mapping out future cash flows and lifestyle expectations How to responsibly enjoy your money while ensuring long-term sustainability Why it’s never too late to engage a wealth manager, even if you’ve always gone it alone How to reframe your legacy: not just what you leave behind, but what you live for Whether you’re five years from retirement or already living it, this episode offers practical wisdom and clarity to help you approach this new chapter with confidence, purpose and peace of mind. Watch or listen now on Citadel’s website, Spotify, Apple Podcasts and YouTube. Join the conversation and connect with a Citadel advisor at www.citadel.co.za Your wealth journey - guided by Citadel.

Episode 2: The Middle: Family, Growth, and Generational Shifts

As we move into the next chapter of The Wealth Journey, host Nishlen Govender sits down with Citadel experts Jodi Suchard (Advisory Partner) and Seugnet Moggee (Fiduciary Specialist) to tackle the complex realities of financial planning in midlife. This episode explores the pivotal and often emotional decisions that shape long-term wealth and legacy. From rising income levels and the temptation to overspend, to estate planning, trusts, and the challenges of supporting both children and ageing parents, this conversation dives into the real questions many families are quietly navigating. Jodi and Seugnet offer grounded, practical insights, backed by years of experience, on managing wealth across generations, the importance of a well-drafted will, and why your financial strategy should evolve as your family does. Key Themes Covered: Why it's never too late to start saving What happens if you don’t have a will How to plan financially for divorce or a multi-generational household The right reasons to consider a trust in today's regulatory environment The importance of empowering your children to become financially independent Whether you’re a parent, a partner, or part of the sandwich generation, this episode has valuable advice to help you make confident decisions and protect your legacy. Watch or listen now on Citadel’s website, Spotify, Apple Podcasts and YouTube. Join the conversation and connect with a Citadel advisor at www.citadel.co.za Your wealth journey - guided by Citadel.

Episode 1: The beginning: Firsts that shape our lives

From your first job to your final day of retirement, wealth is a journey, one marked by major life moments and the financial decisions that shape them. In this premiere episode of The Wealth Journey podcast, host Nishlen Govender sits down with Citadel’s advisory experts Kirsten Smit and Elelwani Ravele to unpack the foundational financial milestones that set the tone for your future. Key Themes Covered: The power of a first salary: Elelwani reflects on her own first salary and shares why “paying yourself first” is a habit worth building from the very beginning. Budgeting basics: Kirsten breaks down how understanding your "ins and outs" is key to creating financial surplus and harnessing the magic of compounding. Discretionary savings & emergency funds: Why starting early, even at 19 matters, and how to build a solid financial safety net. Why see a financial advisor so early? Both guests emphasise the importance of sitting with a professional from day one to map out your life goals and create realistic, flexible plans. Investing in your future: Exploring asset classes, learning through mistakes, and knowing when to bring in the experts. Retirement reality check: With less than 10% of South Africans able to retire comfortably, the episode highlights why reverse-engineering your retirement goal is essential. First car, first home, first love: Practical and sometimes humorous advice on navigating first-time car ownership, entering the property market, and managing money in marriage. Whether you're just starting in your career, navigating your first big purchase, or beginning to think long-term, this episode is packed with relatable stories, expert advice, and actionable steps to help you take control of your financial life, one chapter at a time. Watch or listen now on Citadel’s website, Spotify, Apple Podcasts and YouTube. Join the conversation and connect with a Citadel advisor at www.citadel.co.za Your wealth journey - guided by Citadel.