| Welcome: Fifi Peters Market Watcher: Petri Redelinghuys – Founder, Herenya Capital Advisors ANC’s national elective conference unpacked: Khaya Sithole – Independent analyst Looking back at the financial markets in 2022: Izak Odendaal – Investment strategist, Old Mutual Wealth Middle class consumers are taking strain from car, property payments: Andrew Fulton – Director, Eighty20 How the new two-pot pension system rules will impact you: John Anderson – Head: Investments, Products and Enablement, Alexforbes | 
