Did you hear? All Weather Capital's Nick van Rensburg is calling the current oil disruption twice the size of the largest oil shock in history, warning that if the Strait of Hormuz remains closed much longer, we could see a full regime shift from inflationary boom to stagflation.
For advisors, the question isn't whether clients will call about it, it's whether you're ready with an answer (see this week's Prompt further down).
This week in Seed Analytics Advisor Connect:
Upcoming events: Network & earn CPD points.
Business value: Win the next generation of wealth.
Make your value visible to your clients' next-gen heirs.
New opportunities & jobs for you to explore in SA.
Oil shock playbook & umbrella funds' two-pot test.
Prompt of the week: Draft a client email about the oil crisis.
Take Note
Cadiz CPD Webinar – 30 Mar 9 AM: Online CPD session covering global politics, macro outlooks and SA fixed income with industry experts. Earn 2 CPD points and a certificate. Register here.
Padel Night – CPT 31 Mar 6:45 PM: Casual padel evening in Cape Town mixing beginners and more advanced players. A fun way to connect and unwind outside the office. Community membership required. Details here.
How to win the next generation before someone else does
Over 70% of heirs fire their parents' advisor after inheriting. Here's how to make sure you're not one of the casualties...
In the opening article of this series, we flagged that a client book skewing heavily toward retirees drawing down is a valuation risk. Buyers see a shrinking asset base. But even if you have no plans to sell, losing the next generation means losing the compounding growth your practice depends on.
The STEP Barometer 2026, released this week, puts a number on it: 77% of advisers globally are already seeing significant assets pass to younger generations, and 36% report more business owners wanting to sell rather than hand down to children they see as unprepared.
That's the threat. Here's the opportunity.
1. The family financial health check
Don't wait for the estate to settle before meeting the heirs. By then, it's usually too late; they've already started looking for alternatives.
Take action: Offer your top 20 clients a complimentary next-gen financial health check for their adult children. Position it as a value-add to the existing relationship: "Part of the work I do for you is making sure your family's financial well-being is looked after holistically. I'd love to offer [child's name] a no-obligation session to help them get a clear picture of where they stand."
This costs you an hour per session. It could protect millions in future AUM. And it immediately positions you as the family's advisor, not just the parents'.
2. The visible value strategy
One of the biggest reasons heirs switch advisors is that they never saw what the advisor actually did. The relationship lived entirely between the parent and the advisor, invisible to everyone else.
Take action: Start including next-gen family members in your communication loop where appropriate. If you're sending consolidated portfolio statements, ask whether the client would like their adult children to receive a summary view. If you're doing an annual review, suggest an annual family session. The goal is simple: make your value visible to the people who will one day inherit the decision.
3. The speak their language pivot
The STEP report also found that 51% of advisers are now engaging younger high-net-worth individuals, and these clients have different priorities: tech-forward platforms, ESG alignment, impact investing and a preference for digital-first engagement.
Take action: Audit your client experience through a 30-year-old's eyes. Do you offer a digital dashboard that they can check on their phone? Can they see their portfolio updating in real time? If your practice still relies on annual PDF reports and in-person meetings only, you're speaking a language the next generation doesn't use.
This is where tools like Seed Analytics become a competitive advantage, giving the next generation the interactive, goal-based view they expect.
Join the conversation…
What's your current approach to engaging your clients' adult children?
Make your value visible to the next generation
The biggest risk to your client book isn't market volatility; it's the heirs who never saw what you did for their parents. When the next generation inherits, they need to see your value immediately, or they'll look elsewhere.
Seed Analytics helps you make that value tangible. With consolidated portfolio statements branded in your name, Wealth Stack dashboards that update monthly, and clear performance reporting net of fees, you create a visible, ongoing record of your stewardship that the whole family can see.
Whether you're inviting an adult child into their first review meeting or sharing a family-level portfolio view, the data is already there: clean, consolidated and ready to impress.
Already on Seed?
Start sharing family-level views with your clients' next generation today.
New to Seed?
Featured Section
New wealth and fin advisory career opportunities in SA
Manager Investments Wealth (CPT) @ Absa
Financial Adviser (CPT) @ Hereford Group
Government Financial Advisor (CPT) @ SureX Life
Financial Planning Expert (JHB) @ EQ-FIN
Financial Advisor (Sandton) @ Discovery
Investment Consultant (PTA) @ Momentum
In Case You Missed It…
Industry Roundup
April's Record Fuel Spike. Projections for a historic fuel price adjustment of R6.67/l and diesel by over R11/l next Wednesday could be the largest monthly increase in South African history. This would likely push headline CPI from its current 3.0% up toward 4.5% by April.
SARB Holds the Line. The Reserve Bank is widely expected to keep the repo rate unchanged at 6.75% today, resisting any knee-jerk reaction to the oil spike. With inflation still at 3%, the governor is effectively to buy time as uncertainty plays out.
The Advice Landscape Is Shrinking. NMG Consulting data shared at a recent Graviton webinar reveals that South Africa now has roughly 16,000 practising financial advisers. The future of advice might not be determined by better fund selection or faster systems, but by how advisers respond to deeper changes in client expectations and market structure.
Umbrella Funds Face the Two-Pot Test. A survey of 11 major umbrella funds reveals that savings pot withdrawals have been widespread, particularly among lower-income members. Compulsory preservation is starting to reduce cash-outs at job change, but members are more active, more informed and more financially constrained, all at once.
The Active AI ETF Shift. The JSE has listed the Ivy EasyETFs AI Innovation Actively Managed ETF, a new vehicle focused on global AI leaders and the physical infrastructure required to sustain them, including data centres and power generation. For clients seeking to diversify, it provides a transparent, rand-denominated gateway.
Remgro's Diversified Triumph. In a rare bright spot for corporate earnings, Remgro announced an 80% jump in its interim dividend, driven by a significant recovery across its industrial and healthcare holdings.
Prompt of the week
If you want to send clients a calm, informed email about the oil price shock...
The current US-Iran conflict and oil price surge is exactly the kind of event that triggers panicked client calls. This prompt helps you draft a professional, reassuring email tailored to each client's actual fund holdings.
How to use it:
Pull your client's fund list and weightings from your Seed Analytics statement.
Download each fund's latest fact sheet (PDF).
Paste the prompt below into an AI tool (use the "Thinking" setting on Gemini, Claude Sonnet, or GPT 5.4 Thinking).
Upload the fact sheets and let the AI draft your client email.
Important: Do not include any client personal information in the prompt. Use fund names and weightings only.
The Prompt:
You are a professional South African wealth advisor. Your role is to write a clear, warm, and reassuring client email explaining how current global events may affect their investment portfolio.
You will be given the following about your client's portfolio:
A list of funds the client is invested in [ADD THE LIST OF FUNDS YOUR CLIENT HAS FROM YOUR SEED ANALYTICS CLIENT STATEMENT]
The percentage each fund makes up of their total investment [E.G. 1. Allan Grey Balanced fund containing 59% of the total AUM 2. Old Mutual Equity fund containing 39% of the total AUM]
The fact sheet for each fund [UPLOAD THE FUND FACT SHEET PDF DOCUMENT FOR EACH FUND]
The event to analyse: "The ongoing US-Iran conflict has caused a significant rise in global oil prices due to constrained supply."
Your task: Using the fund fact sheets provided, write a client email that:
Explains the event simply, in plain, everyday language a non-financial person can understand. No jargon.
Analyses each fund, based on its fact sheet, explaining whether the fund has exposure to oil, energy or sectors affected by rising oil prices, and to what degree given its weighting in the portfolio.
Gives an honest but reassuring outlook, explaining what the client might expect (short-term volatility vs long-term positioning), without making promises or guarantees.
Coaches the client behaviourally, gently reminding them why staying the course matters, the danger of emotional decision-making, and how their portfolio was built for resilience across different market conditions.
Closes warmly, inviting them to reach out if they have questions or concerns.
Tone: Professional but human. Empathetic. Avoid alarmist language. Write as if speaking to a trusted friend who needs calm, honest guidance.
Important constraints:
Do not make specific return predictions
Do not recommend switching funds unless the fact sheet data clearly supports a conversation about it
Always remind the client this is not advice to act, but context to inform
Use South African context where relevant (ZAR, JSE exposure, Regulation 28 where applicable)
Did You Know? On 26 March 2001, Bill Gates announced the first tablet computers with support for PC brands like Acer, Compaq, Fujitsu, Sony and Toshiba. But it never took off, until 9 years later, in 2010, when Apple introduced the first iPad.
Till next time,
Seed Analytics Advisor Connect
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