If you are looking for the latest stock tip, look elsewhere. Here, you'll find sound strategies based on financial principles that apply to your life. This isn't about financial jargon. This is about you. So listen, learn and ask questions of your own. After all, it's your money.
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Hello, and welcome to Simple, but Not Easy, where we turn complicated financial developments into actionable ideas. This is a podcast from Morningstar’s Wealth Group, where we equip financial advisors with our best ideas to remove friction and help clients achieve goals.
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Terser Adamu, who is an Africa Business Strategist, International Trade Adviser, and Director at ETK Group, hosts the award-nominated Unlocking Africa Podcast. During each episode he shares his thoughts on how to unlock Africa’s economic potential in the 21st century. This is delivered through engaging and thought-provoking discussions with innovators, entrepreneurs, investors, policymakers, and business leaders who are unlocking Africa’s economic potential. Whether you're a business leader, ...
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A unicorn is a magical creature shrouded in mystery known for its ability to make the impossible possible. In modern times, the word “unicorn” has come to mean something intrinsically valuable and difficult to obtain, whether that be a business with a $1 billion dollar valuation, or the love of a special someone. On Zero to Unicorn, we’ll hear directly from the Kaeding family as they recount their history of founding and operating Norhart, a unicorn-level business in the construction industr ...
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06.22.2025 I Biggest Mistakes People Make with Money
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42:42The biggest mistake that people make with their money isn’t always what you might think.
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Africa’s Untapped Health Data: Inside the Mission to Transform Africa’s Health Data Economy with Estelle Dogbo
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30:20Episode 178 with Estelle Dogbo, systems strategist, healthcare executive, and founder of BioVana Research. Estelle has spent her career at the intersection of biotechnology, digital health, and pharmaceutical development building adaptive health systems across African markets and beyond. From commercial leadership roles at Sanofi and Roche to co-fo…
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International Stocks – A Portfolio’s Missing Piece?
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36:19As of late May, the US ranks 39th out of 44 global stock markets—firmly in the bottom 15%. Meanwhile, international markets are gaining momentum, with 7 of the top 10 performing countries located in Europe. This performance gap appears to be supported by improving fundamentals, favorable currency trends, and rising earnings expectations across the …
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06.15.2025 I Tough Conversations With Your Kids
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42:38We offer ways to face tough money and life conversations with your children.
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The Future of Fashion Is African: Building an Ethical Clothing Factory in Rural Kenya with Jo Maiden
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38:19Episode 177 with Jo Maiden, founder and CEO of SOKO Kenya, a trailblazing ethical fashion manufacturer driving social and environmental impact from the heart of rural Kenya. Jo is a visionary entrepreneur transforming the global fashion landscape by proving that high-quality, sustainable production can thrive in Africa and uplift communities in the…
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P999 Game: Pakistan’s Trusted Platform for Online Gaming and Rewards
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0:39P999 Game is one of Pakistan’s most reliable and entertaining online gaming platforms, offering users a chance to enjoy fun games and win real rewards. Designed with a local audience in mind, P999 Game combines user-friendly features, fast performance, and secure transactions to create a smooth and enjoyable gaming experience. The platform features…
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Find the Best Dentist Near You for Quality Oral Care
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0:40Looking for a reliable dentist near me? Whether you need a routine check-up, teeth cleaning, or emergency dental care, finding a trusted local dentist is essential for maintaining good oral health. Search online or use dental directories to locate nearby clinics with positive reviews, experienced staff, and modern equipment. Many dentists also offe…
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If your portfolio gives you a rush, you might be doing it wrong.
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Group Buy SEO Tools: Affordable Ahrefs Access
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0:49Ahrefs stands as a cornerstone in the SEO world, offering unparalleled data for keyword research, backlink analysis, competitor insights, and site auditing. However, its official subscription fees can be substantial, putting it out of reach for many independent marketers and small businesses. This is where "group buy" services for Ahrefs emerge as …
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This week, Bruce and Peg are opening the show to listener questions.
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05.25.2025 I What Octogenarians Want You To Know
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42:43Older age brings lots of wisdom, plus some regrets, about saving for retirement.
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Education for Economic Resilience: What It Takes to Build Lasting Education Systems in Africa with Dr Samuel Kembou
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41:47Episode 176 with Dr Samuel Kembou, Global Co-Lead for Learning and Evidence at the Jacobs Foundation, a Swiss-based philanthropy advancing the learning and development of children worldwide. With a presence in Africa for over 35 years, the Foundation is known for its long-term commitment to strengthening education systems through rigorous research,…
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05.18.2025 I Visualizing Your Financial Future
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42:37People who set savings goals after visualizing what their retirement might look like are more likely to prepare for it.
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Stay on Track Through Market Volatility—with Research, Not Reaction
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43:23When markets hit a rough patch—as they did in early April—investors often lose confidence. Emotions run high after paper losses, and that’s when many fall into the “ready, fire, aim” trap. Decisions become reactive, not disciplined. It’s common to see investors flee to cash or pivot to more conservative positions in an effort to feel safer. But mor…
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The Future of Farming: Using Tech, Finance, and Human Networks To Connect African Farmers to Global Markets with Desmond Koney
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44:05Episode 175 with Desmond Koney, CEO and Founder of Complete Farmer, a Ghanaian agritech company which empowers African farmers to conduct their work in a much more sustainable and profitable way. Complete Farmer provides farmers with AI and data-driven technology to allow for "precision agriculture" so farmers can optimise their resources. The plat…
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Retirement planning is crucial for everyone, but it introduces particular challenges for women.
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Generational Wealth: How African Families Are Navigating Wealth, Succession and Investment Across Africa with Faizal Bhana and Claire Machin
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38:06Episode 174 with Faizal Bhana and Claire Machin, who are recognised voices in global finance and private wealth, working at the forefront of family governance, cross-border investment, and wealth structuring. Faizal serves as the director for the Middle East, Africa, and India at Jersey Finance, while Claire is the group director and head of privat…
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This week, Bruce and Peg opened the show to listener questions.
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Africa’s Biodiversity Economy: Transforming Conservation Into Economic Growth and Sustainable Development with Edwin Tambara
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55:21Episode 173 with Edwin Tambara, Director of Global Leadership at the African Wildlife Foundation (AWF). Edwin shares AWF’s groundbreaking approach to the biodiversity economy, an innovative model that integrates conservation and economic development, driving both environmental preservation and community prosperity. AWF has played a pivotal role in …
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Expanding Financial Access: Building a Marketplace for Agrocommodity Trade and Export in Nigeria with Abiola Jimoh
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38:54Episode 172 with Abiola Jimoh, Co-Founder and Co-CEO of XchangeBox, the company behind PayRep, a platform supporting payments, collections, and access to financial products for SMEs, farmers, and traders across Nigeria. XchangeBox focuses on improving access to financial services for underserved communities through its PayRep platform. By offering …
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04.27.2025 I Staying the Course in Uncertain Markets
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42:40Don’t confuse short-term noise in the markets with long-term trends.
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04.20.2025 I Five Things You Need to Know About Social Security
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42:33Maximizing Social Security benefits isn’t straightforward, but it’s a critical aspect of financial planning.
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AI and Solar: Why Financing Is the Missing Piece in Africa’s Clean Energy Puzzle with Dami Olawoye
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31:35Episode #171 with Dami Olawoye, CEO of Rivy (formerly Payhippo) and leader in renewable energy financing across Africa. Dami Olawoye is at the forefront of making clean energy accessible across Africa through Rivy, an AI-powered lender focused on enabling homes and businesses to switch to solar power. With Rivy’s recent rebrand and a $4M pre-Series…
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04.13.2025 I Simplify Your Financial Life
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42:38More adult children are returning home, and parents need a plan for helping them without jeopardizing their own financial futures.
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From Dakar to Abidjan: Investing in Women Entrepreneurs in Francophone Africa with Stephanie Sarr Dioh
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38:50Episode #170 with Stephanie Sarr Dioh, Tech and Finance Business Leader, Gender Lens Investor and Board Executive at Women’s Investment Club (WIC). Stephanie SARR is driving inclusive economic transformation in West Africa through her pioneering work with WIC Capital, the first investment fund in Senegal and Côte d’Ivoire dedicated exclusively to s…
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This week, Bruce and Peg are opening the show to listener questions.
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How to Enhance Supply Chain Efficiency in Africa Through Product Digital Identity Management with Dare Odumade
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58:49Episode #169 with Dare Odumade, CEO of Chekkit Technologies and contributor to the recently published book Thrive: Mastering E-commerce the African Way published by the Africa Retail Academy at Lagos Business School. Dare Odumade is at the forefront of supply chain innovation in Africa through his work with Chekkit Technologies, a company on a miss…
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The Public-Private Convergence: How Private Market Investing Is Becoming More Accessible
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29:08We explore the growing convergence between public and private markets and what it means for today’s investors. As private market strategies become more accessible, advisors and their clients are gaining new tools to diversify portfolios and pursue long-term growth. We break down what’s driving this shift, the opportunities and risks involved, and h…
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03.30.2025 I Planning for a 60-Year Career
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42:37We’re exploring the concept of a 60-year career and the financial planning required to sustain it.
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The Structural Changes Required To Build Resilient Diagnostics and Healthcare Systems in Africa with Dr Allan Pamba
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44:34Episode #168 with Dr Allan Pamba, Executive Vice President at Roche Diagnostics. Dr Allan Pamba is a global health leader and seasoned executive at the forefront of transforming healthcare systems through innovation, access, and sustainability. As Executive Vice President at Roche Diagnostics, the world’s largest biotech company and a global pionee…
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With spring just around the corner, it’s the perfect time to refresh and reorganize our financial lives.
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Why the West Isn’t Always Best: How Afro-Optimism Can Redefine African Succes with Adeolu Adewumi-Zer
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37:42Episode #167 with Adeolu Adewumi-Zer, who is a seasoned strategist, business leader, and author of the recently published book "Afro-Optimism Unleashed: Scaling African Excellence to the Global Stage Adeolu Adewumi-Zer is at the forefront of redefining Africa’s business narrative through her transformative SCALE framework and deep-rooted belief in …
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03.16.2025 I Deregulation and the Markets
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42:45The history of deregulation can teach us a lot about the risks and opportunities that are emerging in today’s market landscape
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AI and Agriculture: Using AI To Provide Quick and Effective Advice to Farmers with Dr William Derban
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48:24Episode #166 with Dr William Derban, Head of Programs and Partnerships at the Digital Innovations Group for Opportunity International, defining technical standards, developing business strategy, and negotiating collaborations across mobile money, mobile/cell-phone banking, and agent banking. Opportunity International is at the forefront of leveragi…
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This week, Bruce and Peg are opening the show to listener questions.
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Increasing Japan-Africa Business Opportunities Through AI & Technology with Bernard Laurendeau
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1:02:26Episode 165 with Bernard Laurendeau, who is Managing Director of Enkopa Lab, which is at the forefront of driving successful Japan-Africa investments by leveraging AI and technology. With a focus on market diversification, the firm helps Japanese companies navigate Africa's complex business landscape. Enkopa Lab on driving successful Japan-Africa i…
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03.02.2025 I Financial Planning Tips For Small Business Owners
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42:45We’ll cover key financial planning strategies to ensure business owners are building personal wealth alongside their business success.
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Made in Africa, for Africa: How Ener-G-Africa Locally Manufactures Affordable Energy Solutions with André Moolman
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26:22Episode 164 with André Moolman, CEO of Ener-G-Africa (EGA), a renewable energy company dedicated to expanding access to affordable solar power across the continent. With a focus on low-income households and small businesses, EGA is tackling Africa’s energy challenges through innovative, cost-effective solutions that go beyond electricity, driving e…
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02.23.25 I Why Are So Many Wealthy People Afraid of Spending?
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42:44Many financially successful people find themselves reluctant to spend the money they’ve worked so hard to accumulate.
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Culture, Creativity & Community: How The Africa Centre Has Built a Home for African Heritage in the UK Since 1964 With Olu Alake
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56:21Episode 163 with Olu Alake, CEO of The Africa Centre, a cultural institution dedicated to celebrating and amplifying African and diaspora heritage. Since its founding in 1964, The Africa Centre has been a vibrant space for intellectual exchange, artistic expression, and community-building, evolving to meet the dynamic needs of the African diaspora …
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02.16.25 I Five Tough Questions To Ask Before Retirement
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42:36Retirement is a major life transition that requires careful planning and thoughtful consideration.
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Inside the Business of Afrobeats: International Festivals, Culture & Global Influence with Adesegun Adeosun (SMADE)
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41:28Episode 162 with Adesegun Adeosun (SMADE), CEO of SMADE Entertainment, Europe's leading Afrobeats music, live entertainment, and lifestyle promotions company. Since its inception, SMADE Entertainment has successfully planned, organized, and delivered some of the biggest Afrobeats concerts and festivals across the UK, Africa, and Europe. Their event…
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Financial Advisors Take Back Time with AssetMark
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43:25Time is a financial advisor’s most valuable asset. As industry tailwinds push the profession toward greater client-centricity—and as clients demand more from their advisors—many are recognizing the benefits of outsourcing investment management. By doing so, they can focus on what truly drives their business: being in front of clients and strengthen…
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02.09.25 I Tips for Avoiding Tax-Related Cybercrime
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42:47This month many of us are gearing up for tax season. Unfortunately, with the increasing number of tax-fraud cases and scams that target wealthy individuals, that means being extra vigilant to safeguard your sensitive personal and financial information. Today’s program focuses on tips to protect yourself from tax-filing scams and fraudsters. Today’s…
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How Scotland and Africa Can Do More Business Together: Challenges & Opportunities with Frazer Lang
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34:16Episode 161 with Frazer Lang, CEO of the Scottish Africa Business Association (SABA), an organisation dedicated to promoting trade, investment, and business collaboration between Scotland and African nations. With a focus on tangible commercial outputs, SABA bridges the gap between African governments and Scottish businesses, making it easier for b…
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This week, Bruce and Peg are opening the show to listener questions
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Profit, Impact, and Growth: An Investment Model That Turns Small Farmers into High-Growth Agribusinesses with Luni Libes
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48:38Episode 160 with Luni Libes, a serial entrepreneur, investor, and impact-driven venture builder. Luni is the founder and CEO of Africa Eats, an innovative investment company tackling food insecurity and poverty across Africa by scaling profitable, for-profit agribusinesses. He also leads SEMX, a groundbreaking initiative unlocking public capital ma…
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01.26.2025 - Hedging Inflation in Your Portfolio
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42:42Inflation can impact the real rate of return you earn from financial assets. Here are some ways to lessen the impact.
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Incubation and Innovation: Shaping Gambia’s Business Landscape by Nurturing Young Innovators with Boubacar Demba Coly
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47:25Episode 159 with Boubacar Demba Coly, who is an inspiring ecosystem builder, business and entrepreneurship coach, and tech conceptor who is leading change in Gambia’s startup scene. As the project manager of the Gambia Tech Project, Boubacar is at the forefront of creating opportunities for young entrepreneurs and enabling a thriving tech ecosystem…
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More adult children are returning home, and parents need a plan for helping them without jeopardizing their own financial futures.
…
continue reading