After 14 years in South Africa’s financial services sector— mainly in private equity—I’ve seen both innovation and failure. While some firms thrived through bold thinking, others left devastation in their wake. Many South Africans lost more than money—they lost trust and hope. As a financial advisor, I fix problems. But as a human, I had to do more. That’s why I founded Ubuntu Visions—a movement rooted in empathy, accountability, and justice. Through our Private Equity Refund Project, we support victims of failed schemes by combining financial relief with community upliftment. This is about more than refunds—it’s about restoring dignity and rebuilding trust.