Zoe Riley - Financial Advisor

Zoe Riley - Financial Advisor Certified Personal Financial Planner. Know what you want, what you have and what it means for you đź’°

23/06/2026

How my short term insurance paid R10K towards my annual car service

You know me, if there is a way to maximize my cover and benefits - I am going to find it and use it

Having Discovery Insure works really well for me as I am rewarded for driving well and get 50% cash back on my fuel spend plus Discovery Miles when I buy fuel

But with my cover and good driving profile I also got the maximum benefit of R10K towards my service đź‘Ź
As my car is approaching 120 000km additional servicing was required and so the total was approx R14k

If we haven’t met yet, I am Zoe Riley | Financial Mentor, certified financial planner and I help people use their money to build a life that they are obsessed with and my goal is to help you get the absolute most from the personal financial products that you have. I offer financial advice only services where you get my eyes and experience on what you have and how to maximize it for you and your family

If you are curious about what you could get from your short term insurance benefits via Discovery, DM me INSURE and we will get in touch

18/06/2026

Stop waiting until you have fancy device to start earning Vitality points

One of the biggest questions I hear from my clients on Vitality but not seeing their points increasing is

“How do I get points for my activity? “

To get rewarded, you have to make sure your setup is right

Download the Discovery app
Go to the Vitality tab
Link your wearable device eg. Garmin. Apple, Oura

If you don’t have a device, then I recommend that you download Apple Health or Samsung Health, link this in the Discovery app and let your phone monitor your step count each day

5000+ steps= 50 points
10000+ steps = 100 points

Other ways to earn points without a wearable device, visit the gym =100 points and my personal favorite, a Saturday morning parkrun for 300 points

If you want to know more about maximizing your benefits and making your Vitality journey easier and more rewarding, DM me Vitality and join the waitlist for my next masterclass. Look forward to seeing you there

15/06/2026

I want you to use your money as a tool to live a wealthy life today AND in the future.

Most traditional personal financial planning advice is all around saving every last penny and often about depriving yourself in the process

My approach is about creating a life you love while being intentional with your money

That is why I get excited about things like discovery miles D-Day because every rand you save today is a rand that can support your future goals tomorrow

Wealth isn’t just built through investing it’s built through making smarter decisions with the money you already have

When you understand what you have and how to extract the maximum value from your benefits, this will exponentially increase your enjoyment of life now and increase your wealth building for tomorrow

Want to know how this will work for you? Book your Financial Clarity Power Hour and let’s develop your personalized financial asset map to maximize what you have and unlock the value. DM “clarity” to get the booking link

11/06/2026

Confessions from a Certified Financial Planner

I have had four Apple Watches fully funded through Discovery

The Oura ring may be the first funded device where I need to pay a small
amount in

I have consistently achieved my weekly exercise goals for over 9 years, this I can control BUT sleep is different

At a weekly sleep goal maxed at 525, I will need an average score of 75 per night. Most nights and weeks will be easy but sleep is more unpredictable than exercise so I think whilst I will achieve it most of the time, it won’t be every single week for the next 18 months

Whilst I will certainly try to improve my sleep and have good sleep habits, I really wanted to get the Oura ring as I love to try and test things especially where exciting benefits are involved. I love to share my insights with others and with my clients so they can see and experience how it works first hand

This approach is fundamental to me and I how I advise my clients

If you want an advisor that really stays up to date with what is available and shows you how to make the most of your policy and benefits, DM me PHP and I will reach out.

Got any great sleep tips? Share them in the comments below ⬇️

08/06/2026

It is literally THE one thing that changes everything

Completing your Health Check is THE way to earn thousands with Discovery Health and Vitality and here is what you need to know:

It is an all in one screening test to measure baseline cholesterol, blood pressure and blood glucose with your BMI

You can also elect to do a voluntary HIV test for additional points

It is paid via your screening benefit not from your pocket or MSA

Not only does it give you awareness on your current health markers but it also unlocks
- the Personal Health Fund boost for R1000 per dependent
- An additional 15% cashback on your Healthyfood and Healthyliving benefits
- Earns you up to 22500 Vitality points, essential step to improving your Vitality Health status

Don’t delay, schedule yours at Clicks, Dischem or attend a wellness day

Dying to know how you can get my help you to maximize your cover?
DM me PHP and let’s get your benefits working hard for you

03/06/2026

You’ve heard me talk a lot about the incredible benefit called the Personal Health Pathways but a lot of people don’t really know what earning the funds can actually do for them.

Once you have earned funds in your Personal Health fund, Discovery will process the next day to day expense from these funds, like they are extra medical “savings” account funds.

This means if you are on a Core plan (hospital plan) only, you now have day to day benefits included via your Personal Health Fund. If your plan usually has savings, then your Personal Health funds are used first and this “tops” up your day to day benefit.

The amount you can earn on your plan is based on what plan you are on and how many dependents you have.

All the information on this benefit is shown in the Discovery Health app on the first screen under Personal Health Pathways

In 2026, all members can earn the Personal Health fund boost at R1000 per dependent on the plan. Don’t miss out on this valuable benefit.

If you want help understanding how to maximize your cover in the products you have DM “PHP” to explore personalized support and get the funds on your membership

Memories from a magical MayMay really delivered! From a blue moon month that started at the beach, to a spontaneous surp...
02/06/2026

Memories from a magical May

May really delivered! From a blue moon month that started at the beach, to a spontaneous surprise trip to Stellies and a variety of newness in series, movies and books! Many celebrations, I had such fun, filled my cup and learnt a lot.

I got to work with incredible clients on getting financial clarity, reducing their financial anxiety and guiding them to see what is possible from their one previous life. What an absolute privilege!

Joyous June is underway… what are you looking forward to this month?

I want more of the same ❤️

26/05/2026

I love earning Discovery Miles and who doesn’t want to learn how we can get even more of them?

I wanted to share some new personal strategies we are implementing to increase our Miles earning ability each month

1. Always use your virtual card as you earn miles at a faster rate and it is safer

2. Set up my Admyt wallet to pay with Discovery credit card so I can earn back the parking fee in Discovery Miles when I have used my virtual card in a partner store for a purchase of R250 or more (* subject to a max monthly cap)

3. Switched our DSTV debit order to Discovery Bank to earn back up to 25% in Discovery Miles

4. Use your virtual card to shop in the Miles + network to earn up to 15% in miles on your spend in Discovery’s home, fashion and lifestyle partners e.g. Superbalist, Poetry, Nespresso and UCook

Remember the rewards are personalized based on your Bank account colour and account type, average spend and Vitality Money status and it is best to consult Discovery for the latest list of partners

Let’s gets those Miles stacking and share any tips you may have on stacking your Miles in the comments below ⬇️

18/05/2026

This benefit is one of the MOST overlooked parts of Discovery Health right now.

STOP ignoring the Personal Health Fund benefit on your Discovery Health plan.

My family has already earned over R7,000 back… just by completing simple health actions we were probably doing anyway.

And the best part?

My adult son is now contributing too by completing his Personal Health Pathway actions and health challenges.

All adult members can log in and look at their personalised journey

People are paying for medical aid every month but not activating the things that can literally put money back into their day-to-day healthcare.

You decide what you want to action and whether you want to sign up for one of the three personalised challenges

These small actions can add up FAST.

Please don’t let this be another “I didn’t know about this” benefit.

To learn more log into your Discovery Health app and check your Personal Health Pathway today. Don’t forget to click follow so you don’t miss out on these tips and DM me “PHP” if you want my advice on how to get more from your plan

15/05/2026

Oops they did it again!

Soon I will get another R1250 in my Personal Health Fund for completing my second personalized challenge đź’°

A little while ago I spoke about the Personal Health Challenges available in the Discovery Health app — and this is your reminder to go and check yours.

There are three different challenges available, all personalised to you.

My personal challenge (for the second time!) is to stay active for 8 out of 10 weeks. I am just 10 weeks away from 500 weeks of consistently meeting my goals so there is no way I would not be achieving this challenge!

Pardon the pun but don’t sleep on these benefits.

They are there to help you maximise your cover and get more value from your medical scheme — but only if you engage with them.

This is exactly the kind of thing I fix for my clients every day.

From missed benefits to fully optimised cover.

If you want me to review your setup and make sure everything is working for you (not against you),
DM me “PHP” and let’s take a look.

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Edenvale Ext 1
1609

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