Building Financial Clarity Since 2019
We started Vitarion Wave because we kept seeing the same pattern. Smart people making decent money but feeling completely lost when it came to actually managing it. Not because they lacked intelligence, but because nobody ever taught them the practical side of financial discipline.
And honestly? The existing solutions weren't cutting it. Generic budgeting apps that felt like homework. Financial advisors who only wanted to talk if you had substantial assets already. A gap existed between "barely making it" and "wealthy enough for wealth management" — and that's where most people actually live.
How This Started
Linnea Vosloo founded Vitarion Wave after spending years in corporate financial planning. She watched colleagues earn good salaries yet struggle with basic money management. The breaking point came during a casual lunch conversation when a senior manager admitted to having no emergency savings despite earning six figures.
That conversation sparked something. Not everyone needs complex investment strategies or offshore accounts. Most people need help with the fundamentals — tracking spending, building savings habits, understanding where money actually goes each month.
So in early 2019, Linnea left her corporate role and started working with individuals one-on-one. The approach was simple: practical systems, honest conversations, and accountability without judgment. Word spread quickly across Gauteng, and what began as a side project became a full-time practice by mid-2020.
We're not here to sell you complicated financial products. We're here to help you build sustainable habits that actually stick.
Our Philosophy on Money
Three principles guide everything we do
Reality First
We start with where you actually are, not where you think you should be. No shame, no judgment. Just an honest look at current patterns and what's working or not working. Because you can't improve what you won't acknowledge.
Systems Over Willpower
Discipline isn't about being perfect. It's about building systems that make good choices easier. We help you create structures that work with your life, not against it. Small, consistent actions beat heroic bursts of motivation every time.
Progress Beats Perfection
Financial improvement happens gradually. We celebrate small wins and learn from setbacks without dwelling on them. The goal isn't to never make mistakes — it's to make fewer of them over time and recover faster when you do.
What We Stand For
- Transparency No hidden fees, no upselling products we get commission on. Our income comes from coaching fees, period. If we recommend something, it's because we genuinely think it'll help you.
- Practical Application Theory is useless without action. Every session ends with specific next steps you can implement immediately. We focus on what you can actually do this week, not vague long-term aspirations.
- Context Matters Financial advice that ignores South African realities isn't helpful. We understand load shedding costs, medical aid complexities, and the actual economic pressures facing people here.
- Sustainable Pace Quick fixes don't work. We're interested in changes you can maintain for years, not dramatic overhauls that last three weeks. Slow and steady actually does win this race.
Where We Are Now
Six years in, we've worked with everyone from fresh graduates to pre-retirees. People struggling with debt, people earning well but spending it all, people who just want to feel less anxious about money. The challenges vary, but the underlying issue is usually the same — lack of structure and accountability.
We've seen what works and what doesn't. The success stories aren't dramatic — no one's retiring at 35. But they're real. People building emergency funds, paying off debt systematically, making spending decisions that align with their actual priorities.