Financial decisions shouldn't feel like a mystery. Solving the Riddle simplifies the world of money, providing the tools and topical advice you need to master your personal finances and secure your long-term wealth.
Investing for your Children: TFSA vs. RA vs. Unit Trusts
What is the best way to build wealth for a child or grandchild, and how do you ensure they don't squander it when they turn 18? In this episode of Solving the Riddle, hosts Andrew Whitewood and Alec Riddle break down a real listener question about long-term investing for minors, joined by podcast producer Jeremy King for a candid behind-the-scenes look at financial planning. The team compares Tax-Free Savings Accounts (TFSAs), Unit Trusts, and Retirement Annuities (RAs), running the n...
14 Oct 2026
Is Your Money Actually Safe in an ETF? (The Truth About Passive Investing)
Are Exchange Traded Funds (ETFs) the ultimate tool for building long-term wealth? In this episode of Solving the Riddle, hosts Andrew Whitewood and Alec Riddle welcome Chris Rule from 10X Investments to demystify ETFs and unpack how everyday investors can access global stock markets with as little as R50 a month. Chris breaks down the history of index tracking, how stock inclusion rules work for mega-cap companies like SpaceX and Nike, and the rise of Actively Managed ETFs (AMETFs) and ...
In this episode of Solving the Riddle, Andrew Whitewood and Alec Riddle are once again joined by Lauren Marsh (Walker) from Currency Partners to unpack the realities of moving money offshore, tax emigration, and cross-border estate planning. Lauren shares how updated Reserve Bank rules allow direct transfers into offshore trusts, why ceasing tax residency triggers unexpected exit taxes, and how children living abroad can unknowingly create tax and inheritance complications. Key To...
16 Sept 2026
Q&A: Saving Millions in Retirement Tax, Reg 28 & TFSA Secrets
In this Q&A episode of Solving the Riddle, hosts Andrew Whitewood and Alec Riddle answer listener questions on cutting tax liabilities and optimizing wealth. They unpack spousal tax strategies, TFSA traps, Regulation 28 limits, offshore situs taxes, and SARS rebates. Key Topics Covered: • Spousal Tax Strategy: Draw income across both partners to cut tax rates and save up to R20M in retirement. • TFSA Pitfalls: Avoid bank cash accounts, use equity-focused portfolios and benefic...
2 Sept 2026
Don’t Build Wealth in Your Own Name! (Tax Planning Mistakes to Avoid)
Are you accidentally setting yourself up for a massive 20% to 25% tax hit on your estate? In this episode of Solving the Riddle, host Andrew Whitewood and Alec Riddle are joined once again by tax advisor Marisca from Tax Matters with Marisca. Together, they break down why relying on last-minute planning can cost you millions and how to structure your assets early to build true intergenerational wealth. From provisional tax deadlines to advanced corporate and trust tax rules, this episode simp...
19 Aug 2026
AI, Your Job & Your Offshore Investments: What's Actually at Risk
In this episode of Solving the Riddle, hosts Andrew Whitewood and Alec Riddle sit down with Tiaan Herselman, Investment Specialist at Symmetry (formerly Old Mutual Multi-Managers), to break down the rapid rise of AI in financial planning and the hidden traps of offshore investing. We dive deep into how AI is automating up to 30% of daily workflows, which job roles are becoming redundant, and how professionals can leverage Large Language Models (LLMs) like Microsoft Copilot while maintai...
5 Aug 2026
Stop Timing the Rand! The Right Way to Move Money Offshore
In this episode of Solving the Riddle, hosts Andrew Whitewood and Alec Riddle are joined by Lauren Marsh (Walker), Managing Director of Currency Partners, to break down the evolving world of South African foreign exchange regulations, SARS compliance, and international capital flows. Lauren shares her journey within the foreign exchange industry, the growth of Currency Partners, and key strategies for individuals and businesses moving funds in and out of South Africa. What You Will Find In Th...
22 Jul 2026
How South African Professionals Can Secure an Instant Estate & Share in Billions of Profits
Why does insurance always feel like a "grudge purchase"? What if your monthly debit order didn't just buy peace of mind, but actually built a massive, multi-million Rand investment asset for your retirement? In this episode of Solving the Riddle, hosts Andrew Whitewood and Alec Riddle sit down with Shaun Ruiters, the CEO of PPS Investments. Together, they unpack the game-changing concept of mutuality and explore how South African graduate professionals are leveraging unique profit-shar...
8 Jul 2026
How to Turn Your Tax Rebate Into R8 Million | RA vs TFSA & Offshore Investing
Is your financial strategy keeping up with a changing world? In this Q&A episode of Solving the Riddle, Andrew Whitewood and Alec Riddle break down the shifting rules of wealth creation, tax optimization, and asset protection in South Africa. From practical cybersecurity habits to a simple tax loophole that can boost your long-term wealth by 40%, we unpack the complex financial riddles shaping your future. Key Takeaways From This Episode • The R2 Million Discretionary Allowanc...
24 Jun 2026
Tax Season Guide: Auto-Assessments, Content Creators, Crypto & Home office Deductions 📊
Tax season is here! In this episode of Solving the Riddle, hosts Andrew Whitewood and Alec Riddle sit down with tax specialist Marisa from Tax Matters with Marisa to unpack the upcoming SARS tax season. With over 6 million South Africans receiving auto-assessments, simply clicking "accept" could mean leaving thousands of Rands on the table. We break down the deadlines, hidden deductions, and new rules catching out content creators, crypto traders, and remote workers. Top three Tak...
10 Jun 2026
Investment Lessons from the Comrades
What does conquering South Africa's most iconic ultra-marathon have in common with securing your financial freedom? As it turns out, just about everything. With the Comrades Marathon just days away, hosts Andrew Whitewood and Alec Riddle explore why crossing the finish line requires the exact same discipline, pacing, and mindset as navigating a long-term investment portfolio. Drawing from Alec’s experience running 21st in the 1980s and his two decades as an "Eye in the Sky" television...
27 May 2026
Cracking the Retirement Code & The Just Retirement Survey Results
Cracking the Retirement Code: Blended Solutions & The Just Insights Survey Hosts: Alec Riddle & Andrew Whitewood Special Guest: Bjorn Ladewig ,Actuary and Retirement Income Specialist at Just Are you on track for a secure retirement, or are you navigating a hidden shortfall? In this eye-opening episode of Solving the Riddle, hosts Andrew Whitewood and Alec Riddle dive deep into the sobering realities of the South African retirement landscape. With the latest Just Retirement Insi...
13 May 2026
The Hidden Flaw in Bank Tax-Free Accounts
In this episode of Solving the Riddle, Andrew Whitewood and Alec Riddle answer the practical financial questions they face daily in their planning practice. Following their discussions on the national budget and hedge funds, they shift their focus toward helping listeners navigate current market volatility and long-term wealth strategies. In this episode, we discuss: • Tax-Free Savings Strategy: Why holding your tax-free savings account (TFSA) in a bank might be too conservative and h...
29 Apr 2026
Unpacking Hedge Funds in Financial Planning
In Episode 03 of Solving the Riddle, Andrew and Alec are joined by investment specialist Waldo Booysen from Peregrine Capital to demystify the role of hedge funds in modern financial planning. Once reserved for the ultra-wealthy, hedge funds are now highly regulated and increasingly accessible to South African investors — offering powerful tools to manage market volatility and protect wealth. You’ll also gain practical insights into: • How hedge funds generate return...
15 Apr 2026
How Much Is Enough?
In Episode 02, Andrew and Alec tackle one of the most important — and often misunderstood — questions in personal finance: how much is enough? They unpack the complexity behind this question by exploring the key numbers that shape your financial future, from the capital you build to the income you ultimately need to sustain your lifestyle. Drawing on their experience in financial planning, they dive into the real questions people should be asking — how hard should your money work, for how lon...
1 Apr 2026
Start Investing Today: Lessons From the Budget Speech
In this episode, Andrew and Alec unpack the real reason this podcast exists — to simplify the often overwhelming world of personal finance and help you make smarter, more confident money decisions.They dive into powerful lessons from their own journeys in financial planning, including why waiting for the “perfect time” can cost you, and how starting early (even small) can completely transform your financial future.You’ll also get practical insights from the latest budget speech, including:The...
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