We are GrowthHouse

About Us

GrowthHouse is a dynamic, multi-faceted, independent brokerage that offers clients expert financial advice and tailor-made solutions across the financial services spectrum. With a trusted brand, multiple provider contracts and category

licensing, our business model enables independent financial advisers to grow their businesses by attracting new clients, leveraging existing relationships, and providing exceptional service to their clients.

GrowthHouse is proud to be a 51% black female-owned business, bringing together a diverse range of financial skills and expertise from our partners. Learn more about our team of professionals below.

About

GrowthHouse is a dynamic, multi-faceted, independent brokerage that offers clients expert financial advice and tailor-made solutions across the financial services spectrum. With a trusted brand, multiple provider contracts and category licensing, our business model enables financial advisers to grow their business by attracting new clients, leveraging existing relationships and providing exceptional service to their clients.

GrowthHouse is a 51% black female-owned business, bringing together a diverse range of skills and expertise from our partners.

“Integrity, trustworthiness and service form the bedrock of our business”

GrowthHouse

Meet the Team

Penelope Mpho-Moumakwa

Dr Penny Osiris (Moumakwa)

Director

I currently serve as a non-executive director on several boards: Clicks Group, Wits, Donald Gordon Medical Centre and chairperson of Witkoppen Health and Welfare clinic.

Penelope Mpho (Penny) Moumakwa

I previously worked in several senior executive roles at Discovery and served on the central executive committee as well as on the board of Discovery Health. I held the position as CEO of the board of Healthcare Funders and served as deputy chairperson of the board. I remain the CEO and founder of Mohau Equity Partners, a long-term investment vehicle. A medical doctor by qualification and have many qualifications from several business schools including Harvard, Columbia, Wits and the University of Michigan.

Gari Dhombo

Gari Dhombo

Chief Executive Officer

Gari has played leading roles at Allianz Insurance Namibia and Alexander Forbes, where he transformed Alexander Forbes Insurance into a successful insurance company

Gari Dhombo

Gari has played leading roles at Allianz Insurance Namibia and Alexander Forbes, where he transformed Alexander Forbes Insurance into a successful insurance company with significant growth in premium income.

Founding and growing Composure Insurance Consultants and driving the establishment of Discovery Financial Consultants – Business Insure (DFC-BI) at Discovery.

Expertise in strategic planning, team alignment, and sales execution, with a focus on collaborative success and organizational excellence.

Gari holds a Fellowship with the Insurance Institute of South Africa (FIISA) and an MBA in Strategic Management.

In addition to his professional achievements, Gari has been involved in industry governance as a former Board member of the Ombudsman for Short-Term Insurance and Deputy Chair of the South African Insurance Association (SAIA).

On a personal note, Gari enjoys family time with his wife Elizabeth and their children, Tutsi and Tanaka. He also pursues interests in sports, being an Arsenal fan and amateur golfer, and enjoys long walks and reading current affairs.

Independent Financial Advisers Offering Financial Wellbeing

Richard Rubinstein

Chief Financial Officer

In interacting with clients, I believe it’s important to always remember to keep the client’s best interests at heart, treat them well, be reliable and always exceed their expectations.

Richard Rubinstein

Having an overall effective financial understanding can guarantee your future standard of living and reaching your goals. This can help you to determine long- and short-term financial goals, and to give you direction on how to achieve these goals. Having a financial plan in place can secure your family’s future.

My values are honesty, integrity, kindness, compassion, respect, truth, working hard, being tenacious and persistency.

I have 18 years of experience as a group financial manager in a financial services brokerage. My qualification is a Bachelor of Commerce from Wits University – Major in Commercial Law.

I value my education as an achievement. I consider my longstanding career of 30 years, where I have displayed integrity in business, as an achievement. Raising my children and looking after my family has been an achievement.

I am passionate about my family. I consider myself to be a real family man. I value spending time with my children. I have invested in their education. I am a huge part of my family’s life. I like to make an impact on the people I value in my life.

On a personal note, my mom passed away at a young age, and I was a young adult myself and at a turning point in my life. I was not prepared for this, and I had to learn to take on challenges on my own with tenacity. I had to find my own path.

I like activities that are sports orientated. I also like the cinema, music and reading. I enjoy keeping up with international and domestic business trends, and stock market trends.

Melinda Loots

Melinda Loots

Head of operations: Advice

I practice the 3 Ps – professionalism, patience and a people-first attitude, in interacting with clients. I believe it is important to budget and to stick to your goals.

Melinda Loots

My values are determination, courage, kindness and sincerity. I am passionate about helping and earning the respect of others. It creates a sense of belonging and purpose. I strive to be a good mentor and leader so that people can be the best version of themselves to reach their full potential. I love listening to inspiring and motivational stories. My favourite quote is by Gary Player: “The harder you work, the luckier you get.” My 30 years of experience has been in administration support to independent financial advisers, after qualifying with matric. Among my achievements are National Administrator of the year 2002 and National Office Manager of the year 2008. I enjoy bow hunting and archery. I love spending time in nature and I also like healthy eating and resistance training.

Independent Adviser

Jonathan Nel

Technical Head: Life and Invest

An admitted attorney and a certified financial planning professional, I began my career in investments as a research analyst.

Jonathan Nel

An admitted attorney, and a certified financial planner. Jonathan is passionate about financial planning and providing good independent financial advice.

I’m a people’s person who loves to empower others to reach their full potential. My biggest passion is interacting with friends, family, colleagues, and clients. I’m also a sports fanatic, a lousy golfer, and an avid learner.

It’s my goal to ensure that our clients are always fully and promptly informed about their financial plan. The client must fully understand what they have bought, why they have bought it, and how it forms part of their financial road map.

My key message: you’re never too young or too old to create a financial plan. There’s no better time than today. The sooner you start, the more prepared you’ll be for life’s unexpected events, and it will also boost the likelihood of you achieving financial freedom.

I value honesty and transparency. I believe in showing empathy and being kind and respectful. I also believe in personal development: podcasts and audiobooks are daily essentials

J Moller

Jordon Moller

Technical Head: Health care

With almost 10 years’ experience in the Financial services industry, my one core value is that “I’m here to serve” my clients and stakeholders alike…

Jordon Moller

With almost 10 years’ experience in the Financial services industry, my one core value is that “I’m here to serve” my clients and stakeholders alike, ensuring that no matter the time of day we work together to ensure professional and timeously resolution. I understand that each client need is unique and I strive to find the best solution.

I’m passionate about wholistic wellness, looking at the need not only for physical wellbeing solutions but also mental wellbeing initiatives that drive awareness and tangible intervention journeys to support South Africans across the Health spectrum.

His notable qualifications include RE5, NQF 5 Wealth Management and busy with my advanced certificate in Financial Planning NQF6. Among his numerous accolades, winning the esteemed Discovery Health CEO Award stands as a shining testament to his exceptional achievements

I’m a Family man that believes balance is imperative for productivity not only in the workspace but also in my personal life.

I’m an enthusiastic Cross-fitter and love to train, I love being outdoors so naturally golf became a hobby I enjoy as well.

financial planner

Tim Moss

Head: Practice Management

Valuing honesty and hard work, Tim believes in going above and beyond what is expected of him to create the best client experience possible.

Tim Moss

Tim completed a BComm degree and a post-graduate diploma in financial planning. This led him to two years’ private banking experience at Investec and a further four years as a financial adviser. He then spent two years as a Business Development Manager at Discovery, making him the perfect candidate as Head of GrowthHouse Bank Desk. In his time off, Tim enjoys watching Springbok rugby and participating in watersports.

Chelains Nel

Chelain Nel

Business Executive Short Term: KZN

I started off in 2010 as a servicing and retentions broker for an agriculture and body corporate short-term portfolio.

Chelain Nel

Short-term Insurance Specialist I started off in 2010 as a servicing and retentions broker for an agriculture and body corporate short-term portfolio. I have had the opportunity to gain insight into all financial categories and continue to specialise in short-term insurance. The most important thing for me is ensuring our clients are well informed and correctly advised to make sound financial decisions. Making sure our clients have full insight into their risk mitigation options and are provided with the adequate advice. I am passionate about delivering high levels of service to our clients and teaching them a comprehensive risk mitigation skillset. I have a passion for both recreational ocean activities as well as multi-day mountain traverses. When I am not at the ocean or in the mountains, I enjoy spending time with my husband and our fur babies. In addition, I have a vast love for botany and agriculture and spend hours on end in my garden experimenting. What makes me different from the rest is that I have a great passion and drive for what I do, along with my values which are honesty, kindness and compassion. I always strive for excellence and greatness.

financial planner

Howard Phillips

Head of Business Development

Howard is a corporate specialist who can engage with and relate to people at all levels, he is passionate about growth and development in business relationships with clients, colleagues’ family, and friends.

Howard Phillips

Howard has an Honours in Accounting Science.

Howard believes great service builds a lifelong relationship with clients who trust and value the relationship. His view is that good times take care of themselves, but being prepared for bad times is critical, as he has witnessed in his career over 25 years in the financial planning industry. You can never assume that our journey in life is linear and predictable. Understanding this is, key to good financial planning.

Howard is a sports fanatic, enjoys golfing, reading, keeping up to date with current affairs, market news and views, both locally and internationally.