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Financial Wealth Planner · Johannesburg, SA

Thapelo
Dipela

“Your goals become my responsibility,
and your success becomes my purpose.”

CEO, TAFEMA (Pty) Ltd  •  Founder, ubuntuXchange  •  EQ-FIN
Postgrad Diploma in Financial Planning (CFP)  ·  BCom Investment Management & Banking

I am a dedicated Financial Wealth Planner helping individuals, families, and enterprises build lasting wealth through disciplined strategy, innovative thinking, and a deeply personal commitment to your financial success.

Schedule a Consultation ↓ Learn More
Thapelo Dipela
7+Years Exp.
CFPCandidate
CEOTAFEMA
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About Me

Purpose-Led.
Results-Driven.

I am a Financial Wealth Planner with a BCom in Investment Management & Banking (University of the Free State), currently completing a Postgraduate Diploma in Financial Planning (CFP). My mandate is simple: your goals become my responsibility, and your success becomes my purpose.

As CEO of TAFEMA (Pty) Ltd, I lead a technology-forward enterprise focused on AI application development and youth employability. As Founder of ubuntuXchange, I build platforms rooted in African economic philosophy. I also serve as Non-Executive Director at Actual Content Agency and am an ABSIP Young Professional.

My philosophy: wealth creation is not exclusive — it is a right for every South African family willing to plan and act with purpose.

📈

Investment Strategy

Portfolio construction, asset allocation, and holistic wealth planning.

🤖

FinTech & AI

Building next-generation financial tools through TAFEMA (Pty) Ltd.

🏛

Corporate Finance

Financial modelling, DCF valuations, and corporate advisory.

🌎

African Markets

JSE equities, South African macro, and pan-African investment.

Career Journey

Experience &
Education

2026
Financial Advisor — EQ-FIN
Full-time · Bedfordview, Gauteng

Delivering holistic financial wealth planning. Completing CFP Postgraduate Diploma at UFS.

2026
Postgrad Diploma in Financial Planning (CFP)
University of the Free State

Advanced financial planning aligned with CFP professional standards.

2025
Founder — ubuntuXchange
Full-time · Heidelberg, Remote

Platform rooted in African economic philosophy for community-centred financial exchange.

2025
Financial Advisor — Dis-Chem Life
Full-time · On-site, Gauteng (11 months)

Personalised financial advice across life insurance, investments, and risk planning.

2025
Non-Executive Director — Actual Content Agency
Full-time · Bloemfontein, Hybrid

Strategic governance and board-level financial direction.

2024
Financial Advisor — Sanlam & Sizwe Wealth
Hybrid · South Africa

Comprehensive financial planning, life cover, investment, and retirement advice.

2019
CEO & Founder — TAFEMA (Pty) Ltd
Full-time · On-site (7+ years, present)

AI application development and youth employment pathways across South Africa by 2030.

2019
BCom — Investment Management & Banking
University of the Free State (Graduated Dec 2024)

Investment Management, Economics. Peer Mentor, Legatum Residence, Soccer.

Continuous Learning

Credentials & Certifications

CFI
Financial Analysis & Modeling Professional Certificate
Feb 2026
Financial AnalysisExcel
FSCA South Africa
Retirement Funds Trustee Training Toolkit Phase 1 & 2
Feb 2026
Pension Funds ActFund GovernanceS37C
Wharton / UPenn
Business Foundations Specialisation — Capstone 97.08%
Jul 2025
Corporate FinanceAccountingOperations
AmplifyME
Finance Accelerator
Feb 2025
Risk AssessmentMarket Analysis
LinkedIn Learning
Financial Modeling & Forecasting Financial Statements
Feb 2026
Financial ModelingExcel
CFI
Corporate Finance Fundamentals
Dec 2023
Capital MarketsValuation
LinkedIn Learning
Excel for Financial Planning and Analysis (FP&A)
Jan 2026
FP&AExcel
Sanlam
Class of Business (COB) Certification
Mar 2025
Financial AdvisoryInsurance
LinkedIn Learning
Financial Forecasting with Analytics Essential Training
Feb 2026
ForecastingAnalytics
CFI
Accounting Fundamentals
Nov 2023
AccountingFinancial Statements
CFI
Financial Analysis & Modeling Professional Certificate
Feb 2026
Financial AnalysisExcel
FSCA South Africa
Retirement Funds Trustee Training Toolkit Phase 1 & 2
Feb 2026
Pension Funds ActFund GovernanceS37C
Wharton / UPenn
Business Foundations Specialisation — Capstone 97.08%
Jul 2025
Corporate FinanceAccountingOperations
AmplifyME
Finance Accelerator
Feb 2025
Risk AssessmentMarket Analysis
LinkedIn Learning
Financial Modeling & Forecasting Financial Statements
Feb 2026
Financial ModelingExcel
CFI
Corporate Finance Fundamentals
Dec 2023
Capital MarketsValuation
LinkedIn Learning
Excel for Financial Planning and Analysis (FP&A)
Jan 2026
FP&AExcel
Sanlam
Class of Business (COB) Certification
Mar 2025
Financial AdvisoryInsurance
LinkedIn Learning
Financial Forecasting with Analytics Essential Training
Feb 2026
ForecastingAnalytics
CFI
Accounting Fundamentals
Nov 2023
AccountingFinancial Statements
Forage — Standard Bank
Corporate Investment Banking Job Simulation
May 2024
Debt SolutionsCredit AnalysisCompany Profiling
Forage — Bank of America
Investment Banking Job Simulation
Apr 2024
DCF ModelingSWOT AnalysisSensitivity Analysis
Forage — Standard Bank
Business & Commercial Banking Analyst Simulation
Apr 2024
Commercial BankingFinancial Analysis
IT Varsity
Certificate in Full Stack Development
Jul 2025
Full-Stack DevAPI Development
Saylor University
Building with Artificial Intelligence
Jul 2025
Machine LearningAPIs
Alison
Diploma in MySQL & Statistics for Data Analysis
Nov 2025
SQLStatistics
ALX Africa
AI Career Essentials
Sep 2024
AI PromptingCritical Thinking
Natl. School of Govt
Strategic Planning & Management
Dec 2025
Strategic PlanningTeam Management
Natl. School of Govt
Introduction to Leading Change
Dec 2025
LeadershipChange Management
Natl. School of Govt
Financial Management & Budgeting
Nov 2025
BudgetingRisk Management
Natl. School of Govt
Project Management
Nov 2025
Project PlanningTeam Management
Natl. School of Govt
Policy Formulation & Implementation
Nov 2025
Policy AnalysisEconomics
Forage — Standard Bank
Corporate Investment Banking Job Simulation
May 2024
Debt SolutionsCredit AnalysisCompany Profiling
Forage — Bank of America
Investment Banking Job Simulation
Apr 2024
DCF ModelingSWOT AnalysisSensitivity Analysis
Forage — Standard Bank
Business & Commercial Banking Analyst Simulation
Apr 2024
Commercial BankingFinancial Analysis
IT Varsity
Certificate in Full Stack Development
Jul 2025
Full-Stack DevAPI Development
Saylor University
Building with Artificial Intelligence
Jul 2025
Machine LearningAPIs
Alison
Diploma in MySQL & Statistics for Data Analysis
Nov 2025
SQLStatistics
ALX Africa
AI Career Essentials
Sep 2024
AI PromptingCritical Thinking
Natl. School of Govt
Strategic Planning & Management
Dec 2025
Strategic PlanningTeam Management
Natl. School of Govt
Introduction to Leading Change
Dec 2025
LeadershipChange Management
Natl. School of Govt
Financial Management & Budgeting
Nov 2025
BudgetingRisk Management
Natl. School of Govt
Project Management
Nov 2025
Project PlanningTeam Management
Natl. School of Govt
Policy Formulation & Implementation
Nov 2025
Policy AnalysisEconomics
Financial Tools

Financial Calculators

RR100,000
RR5,000
%12%
YR15 yrs
%5%
Projected Portfolio Value
R0
Total Invested
R0
Investment Gains
R0
Real Value (infl. adj.)
R0
Return Multiple
0x

Compound interest projection. Not financial advice.

👤30 yrs
👤65 yrs
RR50,000
RR5,000
%10%
RR40,000
Retirement Nest Egg
R0
Years to Retire
0
Total Contributed
R0
Funds Last Until Age
—
Shortfall / Surplus
R0

Based on a 4% safe withdrawal rate. Inflation-adjusted projection. Not financial advice.

RR100,000
%10%
YR10 yrs
#Monthly
Future Value
R0
Principal
R0
Total Interest Earned
R0
Growth Factor
0x
Effective Annual Rate
0%

FV = PV × (1 + r/n)n×t. Not financial advice.

RR1,000,000
%10%
YR10 yrs
You Need to Invest Today
R0
Future Target
R0
Discount Applied
R0
Present Value
R0
Money's Value Shrinks By
0%

Present Value shows what a future sum is worth in today's money. Essential for investment decisions.

RR500,000
RR0
%10%
YR5 yrs
Monthly Amount to Save
R0
Weekly to Save
R0
Daily to Save
R0
Total You'll Contribute
R0

Required monthly savings to hit your goal. Start today — time is your greatest asset.

RR200,000
RR400,000
RR10,000
%36%
Capital Gains Tax Payable
R0
Gross Capital Gain
R0
Annual Exclusion (R40,000)
R0
Taxable Gain (40% incl.)
R0
Net Proceeds After Tax
R0

SA CGT: 40% inclusion rate for individuals (R40,000 annual exclusion). 80% for companies. Consult a tax professional.

Financial Education

Know Your Finances

Financial literacy is the foundation of lasting wealth. Click any topic below to get a plain-language explanation of what it means and why it matters for your financial journey.

🏥

What is a Tax-Free Savings Account (TFSA)?

Grow your money without paying tax on interest, dividends, or capital gains — ever. Learn how to use your R36,000 annual allowance wisely.

Read More →
📄

Why Do I Need a Will?

Without a will, the state decides who gets your assets. Understand what happens intestate and why having a valid will protects your family.

Read More →
💍

Types of Marriage Regimes in South Africa

In community of property, out of community, or with accrual? Your choice has major financial consequences — know before you say "I do."

Read More →
🏕

Why I Need to Plan for Retirement

Only 6% of South Africans can afford to retire comfortably. Discover why starting now — even small — makes a life-changing difference.

Read More →
📊

Taxes Every South African Should Know

From income tax and VAT to CGT, estate duty, and dividends tax — understand what you pay, why, and how to minimise it legally.

Read More →
🧳

Retirement Annuity vs Pension Fund vs Provident Fund

What's the difference? How much can you contribute? What are the tax benefits? A clear breakdown of SA's three main retirement vehicles.

Read More →
🏠

What is Estate Planning?

Estate planning isn't only for the wealthy. Learn how to structure your affairs so your assets go where you want them — quickly and tax-efficiently.

Read More →
🛡

Life Insurance, Disability Cover & Income Protection

What's the difference between these products, do you need all three, and how much cover is enough? Everything you need to know.

Read More →
💲

Good Debt vs Bad Debt

Not all debt is created equal. Understand when borrowing can build wealth, when it destroys it, and how to get debt working for you.

Read More →

Live Data

Market Overview

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SA 10Y Bond Yield
~9.2%
Indicative
SARB Repo Rate
7.50%
As of Mar 2025
ZAR Exchange Rates
USD / ZAR
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EUR / ZAR
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GBP / ZAR
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CNY / ZAR
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CHF / ZAR
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Let's Connect

Start Your Wealth
Journey Today

Whether you are growing your investment portfolio, planning for retirement, protecting your family's financial future, or making a major financial decision — I am personally committed to your success.

✉
Email

thapelo.dipela@gmail.com

📍
Location

Johannesburg, Gauteng · South Africa

🔗
LinkedIn

linkedin.com/in/thapelo-dipela-578324bb

🏢
Companies

TAFEMA (Pty) Ltd · ubuntuXchange · EQ-FIN

in X ✉

All enquiries are treated with strict confidentiality. I typically respond within 24–48 business hours.