Phillip J Mostert 🇿🇦

Fio Capital

Fio Capital Family Office - Connect with your next big opportunity.

www.fio.group

Fio’s purpose is to change life as we know it.  The insights and services we provide help to create long-term value for clients, entrepreneurs, people, and society, building trust in capital markets.

We believe in the vital importance of people coming together to create and grow enduring, private businesses that make a difference in the world.

OUR SERVICES

Fio Capital & the Fio Group provides access to services & opportunities that help entrepreneurs achieve financial stability, upward mobility and economic prosperity- regardless of race, gender or prosperity.

www.fio.group

Vice President

World Business Angels Investment Forum

The World Business Angels Investment Forum is committed to collaborating globally to empower the economic development of the world by fostering innovative financial instruments for startups, scaleups, innovators, entrepreneurs and SMEs and to promoting gender equality and women’s participation in all sectors of the world economy. I am honoured to have been elected as Senator for South Africa and to join the WBAF global efforts to ease access to finance, promote financial inclusion, and create more jobs and social justice.

The Forum interacts with leaders in all areas of society, first and foremost in business and political spheres, to help assess needs and establish goals, bearing in mind that the public interest is of paramount importance. We engage with a wide range of institutions – public and private, local and international, commercial and academic – to help shape the global agenda.

As an affiliated partner of the G20 Global Partnership for Financial Inclusion (GPFI), the World Business Angels Investment Forum (WBAF) is committed to collaborating globally to empower the economic development of the world by fostering innovative financial instruments for startups, scaleups, innovators, entrepreneurs and SMEs and to promoting gender equality and women’s participation in all sectors of the world economy. WBAF invites you to join our global efforts to ease access to finance, promote financial inclusion, and create more jobs and social justice.

WBAF accomplishes its mission through various parties and channels. These include: 138 high commissioners, senators and international partners from 79 countries; 7 country offices on 5 continents; the WBAF Business School and it's more than 50 faculty members from 32 countries; and 5 international working committees. WBAF also has an angel investment fund, partnerships with 12 global institutions, and economic cooperation agreements with 5 governments. 

www.wbaforum.org

Senator

Fio Group

Fio Group is a visionary business ecosystem dedicated to driving innovation, empowering entrepreneurs and creating sustainable impact. Founded on the principles of purpose-driven leadership, Fio Group operates across diverse industries including technology, finance, education, health and renewable energy, with a mission to tackle poverty and inequality through entrepreneurial empowerment.

. The group also champions impactful ventures such as Fio Academy, which provides e-learning opportunities, and Kasi-Solar, a renewable energy solution targeting underserved communities.

Guided by its vision to “make prosperity easier,” Fio Group integrates innovation, collaboration, and technology to build platforms that empower individuals, businesses, and communities across Africa. 

By combining business excellence with a commitment to social equity, Fio Group is redefining what it means to do business with purpose.

Med-e-Screen

Med-e-Screen is a cutting-edge healthcare initiative dedicated to making preventative healthcare affordable and accessible for organizations and individuals. 

By providing comprehensive employee health screenings, Med-e-Screen enables businesses to identify health risks early, empower their wellness strategies,
 and enhance workplace productivity.

Beyond healthcare, Med-e-Screen is a leader in creating meaningful employment opportunities for medical professionals, aligning with its mission to promote health equity and economic inclusion. 

With innovative solutions and actionable insights, Med-e-Screen equips organizations with detailed health reports that drive effective wellness campaigns, reduce absenteeism and foster a culture of care and well-being.

At its core, Med-e-Screen is transforming healthcare delivery, ensuring healthier workplaces while supporting systemic change and empowerment in the healthcare industry.

Board Advisor

Fio Connect Africa

Fio Connect Africa is a transformative telecommunications initiative under the Fio Group umbrella, focused on bridging the digital divide and empowering communities across Africa. 

By providing affordable and accessible connectivity solutions, Fio Connect Africa enables individuals, entrepreneurs, and businesses to thrive in an increasingly digital world.

The initiative offers innovative products and services such as Fio Connect SIM cards, mobile devices, and data solutions tailored to meet the needs of underserved markets. 

Through its distribution network, Fio Connect Africa empowers local entrepreneurs and distributors with opportunities to earn ongoing revenue while contributing to the expansion of digital access in their communities.

Fio Connect Africa is not just about connectivity - it’s about enabling education, entrepreneurship, and economic growth. With its mission to connect Africa one community at a time, it is redefining how telecommunications can serve as a catalyst for social and economic transformation across the continent.

Montriche Capital Group

www.montrichecapital.com

We help develop life changing businesses, which will serve generations to come.

“Green is not a colour - it’s an attitude”. We take an holistic and global view on how business should position itself in a global environment and change status quo.

Family Office

www.montrichecapital.com

The Montriche Group prides itself on the relationship it has developed as primary advisors for a number of private companies, in the capacity of Senior Strategic Advisors, Merger & Acquisition Specialists, Business Analysts and Restructuring Specialists.

Strategic Advisors, Mergers & Acquisitions.

BlackRock Mineral Holdings

Institute for Mergers, Acquisitions and Alliances (IMAA)

Member

International Chamber of Commerce

Institute for Energy Economics and Financial Analysis

I help leaders unlock potential, lead with purpose, and build businesses that inspire change.

“Either write something worth reading or do something worth writing about.” – Benjamin Franklin

This wisdom inspires my journey to create meaningful change, shaped by triumphs and failures that define my leadership.

➤ 𝗠𝘆 𝗠𝗶𝘀𝘀𝗶𝗼𝗻

I’m passionate about entrepreneurship, economic empowerment, and wealth creation to alleviate poverty and inequality.
With unwavering faith and resilience, I help entrepreneurs, investors, and leaders unlock potential, scale businesses, and build legacies.

➤ 𝗟𝗲𝗮𝗱𝗲𝗿𝘀𝗵𝗶𝗽 𝗮𝘁 𝗙𝗶𝗼 𝗖𝗮𝗽𝗶𝘁𝗮𝗹

At Fio Capital, we embrace the Latin philosophy of “Fio” – “I become”, symbolizing transformation.
Our mission is to foster sustainable development and drive economic growth in Africa by investing in key sectors:

• 𝗔𝗴𝗿𝗶𝗰𝘂𝗹𝘁𝘂𝗿𝗲 – Empowering farmers through innovation
• 𝗘𝗱𝘂𝗰𝗮𝘁𝗶𝗼𝗻 – Promoting lifelong learning
• 𝗘𝗻𝗲𝗿𝗴𝘆 – Delivering clean, sustainable power
• 𝗛𝗲𝗮𝗹𝘁𝗵𝗰𝗮𝗿𝗲 – Investing in wellness
• 𝗥𝗲𝗮𝗹 𝗘𝘀𝘁𝗮𝘁𝗲 – Building infrastructure
• 𝗧𝗲𝗰𝗵𝗻𝗼𝗹𝗼𝗴𝘆 – Driving innovation

We go beyond profits—it’s about empowering communities, creating jobs, and building sustainable solutions.

➤ 𝗚𝗹𝗼𝗯𝗮𝗹 𝗟𝗲𝗮𝗱𝗲𝗿𝘀𝗵𝗶𝗽

• 𝗦𝗲𝗻𝗮𝘁𝗼𝗿, 𝗚𝟮𝟬 𝗪𝗕𝗔𝗙 – Advocating for access to finance and fostering innovation
• 𝗖𝗼𝘂𝗻𝘁𝗿𝘆 𝗖𝗵𝗮𝗶𝗿, 𝗪𝗕𝗔𝗙 𝟮𝟬𝟮𝟯 – Earned South Africa the title of “Most Celebrated Country” and received the International Leadership Award for advancing investment and innovation.
• 𝗖𝗼𝗹𝗹𝗮𝗯𝗼𝗿𝗮𝘁𝗶𝗼𝗻𝘀 – Partnering with 𝗜𝗠𝗔𝗔, 𝗜𝗖𝗖, 𝗖𝗦𝗜𝗦, and 𝗜𝗜𝗕𝗔 to promote entrepreneurship

➤ 𝗙𝗮𝗶𝘁𝗵 𝗮𝗻𝗱 𝗣𝘂𝗿𝗽𝗼𝘀𝗲

• 𝗠𝗲𝗻𝘁𝗼𝗿𝗶𝗻𝗴 𝗲𝗻𝘁𝗿𝗲𝗽𝗿𝗲𝗻𝗲𝘂𝗿𝘀 to lead with purpose
• 𝗕𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀𝗲𝘀 that create jobs
• 𝗜𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 𝗶𝗻 𝘃𝗲𝗻𝘁𝘂𝗿𝗲𝘀 that drive growth

“𝗦𝗲𝗺𝗽𝗲𝗿 𝗙𝗶𝗱𝗲𝗹𝗶𝘀 – 𝗔𝗹𝘄𝗮𝘆𝘀 𝗙𝗮𝗶𝘁𝗵𝗳𝘂𝗹” reflects my commitment to empowering others.

𝗟𝗲𝘁’𝘀 𝗖𝗼𝗻𝗻𝗲𝗰𝘁:

If you’re an entrepreneur, investor, or leader passionate about creating wealth, scaling impact-driven ventures, and leading with purpose, let’s connect and build something meaningful together.

Enabler

The biggest killer of African startups?
Copy-and-paste models.

Too many founders pitch borrowed slides from Silicon Valley.

But Africa doesn’t need the next Uber of X.
It needs the first solution to our own problems.

Copycats get headlines.
Builders get history.



🔁 Repost if you’re tired of copy-paste startups

📩 Tag a founder solving a real African problem

📌 Follow for grounded frameworks on Africa’s real economy & legacy

♾️

Faith · Structure · Impact | Helping African Leaders Build Credibility, Capital & Legacy

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Why is Africa’s voice treated as a suggestion… while the world’s voice is treated as instruction?

This imbalance didn’t happen by accident.
It was engineered through centuries of narrative, power, and perception.

But here’s the truth:

Africa is not silent — it’s silenced.
Not because it lacks clarity, but because it threatens the comfort of old systems.

A continent rich in talent, resources, innovation, and spiritual depth should not be spoken over.
It should be taken seriously.

The world obeys its own voice.
Africa must do the same.

Because the moment we stop asking for permission, the balance of power shifts.

— Phillip J. Mostert

♾️

Author — Faith · Structure · Impact | Helping African Leaders Build Credibility, Capital & Legacy | Governance & Entrepreneurship Development | VP, Fio Capital Family Office

We are not a poor continent.
We are a mismanaged inheritance.

Africa’s people are not the problem.
In fact, our people are our greatest advantage.
Resilient. Gifted. Resourceful.
We rise from conditions that would break most nations.

But here’s the uncomfortable truth:
Africa’s struggle has never been talent —
it has been the systems surrounding that talent.

Mismanagement is not our curse.
It’s the gap where builders with conviction must step in.
And for those of us who carry a calling for this continent,
this work is not opinion — it’s obedience.

The world keeps misreading Africa.
They see chaos where God has placed potential.
They call us poor while standing on the richest soil on earth.
They underestimate the very people built to endure and innovate.

But Africa is not waiting for rescue.
Africa is waiting for structure.

Fix the architecture,
and you unlock the strength that has always been here.

Let’s start with the truth.

— Phillip J. Mostert

♾️

Who moved my cheese?

Africa keeps asking this question
as if the answer is unclear.

It isn’t.

The cheese didn’t disappear.
It was captured.
Signed away in bad deals.
Extracted through corruption.
Protected by systems that rewarded proximity to power, not service to people.

State capture wasn’t a moment.
It was a model.

While citizens were told to be patient,
others were redesigning the maze — legally, quietly, profitably.

This is not just a political failure.
It’s a geopolitical one.

Because when governance collapses,
capital migrates,
sovereignty weakens,
and dependency becomes policy.

The real question was never who moved the cheese.

It’s why we tolerated systems that allowed it to be taken at all.

Enough of pretending this is normal.
Enough of confusing stability with justice.
Enough of managing decline instead of rebuilding structure.

Faith demands truth.
Structure demands accountability.

And Africa’s future belongs to builders who reclaim systems — not those who inherit excuses.

This isn’t about cheese.

It’s about sovereignty.

— Phillip J. Mostert

♾️

Fio Capital Group

Management Accountant

BrightRockZA

Brightrock Cape Town office - 1 June 2021 to 1 December 2021
Brightrock Pretoria Office - 1 December 2021 to 31 April 2023
The work required me to recruit Financial Advisors to work with the Brightrock product. I would advise, service, train them on the strengths and how we differentiate ourselves from our competitors. In addition, I would help them quote and sell Brightrock Life Insurance products to their customers.

Distribution Specialist

Zest Tutors

Zest Tutors was a tutoring service, that provided students with the necessary educational tools to excel with their studies. 

We provided a service to enrich the quality of education in South Africa. We offered Online tutoring to accommodate students nationwide. We also offered In-Person tutoring from the comfort of our clients home, where we provided individualised tutoring and gave our clients the necessary resources and confidence that they need to succeed. 

Our focus was to teach students in a unique manner as we implemented the style that enhances our client's performance. Zest Tutors provided our clients with a sense of confidence, establishing the motivation they needed to excel in every aspect of their academic and personal lives. 

Zest Tutors taught me the essential skills of running a small business.

Co-Owner

CRYSTAL VIEW VINEYARDS

Managed Farmworkers
I managed farmworkers in the fields and the packhouse over the harvesting period.
Oversaw the packing and coordination of the grapes that were exported to Europe.

Vineyard picking and packing Manager

Paul Roos Gimnasium/Gymnasium

Water Polo Coach (Part-time while studying)
U15 Water Polo for two years.

Sports Coach

The HEINEKEN Company

Internship at the Heineken Factory through the Imperial Managed Logistics
I observed and learnt the bottling process and the logistics of the factory
(Mentor, Mathew Hopkins worked for Imperial Managed Logistics)

Internship Trainee

Scotch College, Perth

Boarding House Master and Sports Coach
Responsibilities were in the boarding house, and on the sports field where I coached Water Polo and Rugby. Furthermore, I assisted and managed boys on Outdoor Educational camps and school tours including a tour to New Zealand for three weeks.

Gap Student, Boarding, Sports Coach

Greetings! I am MJ (Michael-John), a financial management professional with a strong focus on driving business success. I have successfully completed my CIMA Diploma in Management Accounting and am currently pursuing my Advanced Diploma in Management Accounting, further strengthening my expertise in the field.

Drawing from my educational background, including a Bachelor of Commerce degree with a specialization in Management Sciences from Stellenbosch University, I possess a comprehensive understanding of financial management principles and practices. Additionally, my ongoing studies with the Chartered Institute of Management Accountants (CIMA) reflect my commitment to continuous learning and professional development.

I am currently working for Fio Capital as a Management Accountant. In this role, I am responsible for providing crucial financial insights and analysis, contributing to strategic decision-making, and ensuring the financial health of the organization. I also have additional responsibilities in financial accounting, including compiling accurate and timely financial statements. Through my expertise in management accounting and financial reporting, I play a key role in optimizing financial performance, ensuring regulatory compliance, and driving business growth.

Beyond my professional pursuits, I enjoy engaging in a variety of hobbies, including mountain biking, fishing, running, swimming, and traveling. In particular, I have developed a passion for open water swimming, consistently achieving top rankings in various events. I successfully completed the iconic Robben Island swim in December 2021. I look forward to doing more events similar to this. 

Looking ahead, I am excited to leverage my expertise in Management Accounting (CIMA) and my extensive experience to contribute to a dynamic business environment. As a diligent and dedicated professional, I am committed to delivering exceptional results and constantly expanding my skill set.

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