Independent wealth advisory & financial planning · FSCA-authorised Category I FSP 54508
Independent advice.
Considered implementation.
A partnership for the long term.
A South African wealth advisory firm for individuals, families and business owners navigating decisions that matter. Independent financial advice, investment planning, access to authorised investment partners and a single, accountable relationship — built to remain steady across the chapters ahead.
Ballito · Umhlanga · serving clients across South Africa
A word from the founder
"Important financial decisions deserve more than a product recommendation — they deserve a long, careful conversation with someone who knows your circumstances and remembers them next year, and the year after."
John Vermaak · Founder, Key Individual & Investment Advisor
Institutional partnerships & licensing
FSP 54508
Category I FSP — advice and intermediary services
Cat II Partner
Discretionary portfolio management, where used, is provided by an authorised Cat II partner
Independent
No tied agency, no house bias
Governed
Disciplined suitability and advice governance
All marks are the property of their respective owners.
How the firm is put together
Advice, governance and portfolio implementation — held in clear hands.
Independent advice sits in one place. Where discretionary portfolio management is used, it is provided by an appropriately authorised Category II financial services provider — operating under its own mandate and governance. Compliance and the working relationships with leading asset managers underpin both. The structure is deliberate: it keeps incentives honest and roles clearly separated.
Layer 01
Independent Advice
A single accountable relationship. No tied agency, no in-house product. Advice answers to the client.
Layer 02
Dynamic Consult
Strategy, governance, compliance and the long arc of the relationship — held in one place.
Layer 03
Authorised investment partners
Access to investment solutions and product information from established South African asset managers and product providers (Ninety One, Old Mutual, Sanlam, Discovery, Momentum, Liberty, BrightRock, Capital Legacy). Discretionary portfolio management, where used, is provided by an appropriately authorised Category II discretionary investment partner.
Resting on a shared foundation
- FSCA-authorised governance
- Compliance & COFI readiness
- Operational & technology infrastructure
- Asset manager & fiduciary relationships
Who we walk with
For people carrying decisions that deserve real thought.
We work with a deliberately small client base — professionals, business owners, families and retirees who want a calm, considered second voice on the financial decisions that shape the next twenty or thirty years. The relationships are long, the advice is honest, and the work is done without rush.
Professionals & executives
Equity, share schemes, career transitions and the slow build of long-term wealth.
Business owners & shareholders
Liquidity events, succession, and the careful separation of personal and business capital.
Families thinking long-term
Continuity across generations — clear structures, clear conversations, fewer surprises.
Approaching or in retirement
Confidence around income, longevity and the freedom to live the next chapter well.
Investment advice & implementation
Portfolio advice and ongoing review — supported by authorised investment partners.
Advice and discretionary portfolio management sit in distinct hands by design. We provide the advice, the strategy and the ongoing review. Where discretionary portfolio management is appropriate, it is provided by an authorised Category II discretionary investment manager — operating under its own mandate and governance.
01
Independent advice
Strategy, suitability and the long-term relationship are held by Dynamic Consult — answerable to you, not to a head office.
02
Ongoing review
Your arrangement is reviewed against your strategy and risk profile on a defined cadence — no quiet drift between meetings.
03
Disciplined, not reactive
Reviews and recommendations happen on a defined schedule — protecting your long-term plan from short-term noise.
04
Authorised partners
Access to investment solutions and product information from established South African asset managers and product providers — including Ninety One, Old Mutual, Sanlam, Discovery, Momentum, Liberty, BrightRock and Capital Legacy — together with an appropriately authorised Category II discretionary investment partner where applicable.
Founder
One person who knows your situation. Properly.
John Vermaak — Founder, CEO & Key Individual · FSP 54508
Dynamic Consult is led by John Vermaak, a licensed Key Individual holding RE1, RE3 and RE5 regulatory examinations, with a Postgraduate Diploma in Financial Planning Law (NQF 8) from the University of the Free State — and a career built across South Africa's largest financial institutions before going independent.
John spent over a decade in financial advice at Sanlam, Old Mutual and Fairbairn Consult, working within independent FSP models and developing deep familiarity with institutional investment processes, compliance structures and long-term client stewardship. Before moving into financial services, he spent fifteen years in senior corporate sales and marketing leadership roles in the FMCG industry — a background that shaped a practical, commercial approach to complex decisions.
Dynamic Consult obtained FSP licensing from the FSCA regulator in December 2024. The firm exists because important financial decisions deserve more than a product recommendation — they deserve a long, careful conversation with someone who knows your circumstances and remembers them next year, and the year after.
"My job isn't to predict markets. It's to make sure your plan survives them."
Credentials
- RE5·Regulatory Exam, Representatives
- RE1·Key Individual examination — Category I FSP
- RE3·Key Individual examination — Category II (held in preparation only; Dynamic Consult is not currently authorised as a Category II FSP)
- PG Dip·Financial Planning Law · University of the Free State
- FSP 54508·FSCA Licensed Category I FSP, Dec 2024
Why Dynamic Consult
A different kind of advisory relationship.
Independent by design, institutional by capability, and built around the people who want the financial side of their life thought about properly — for the long run.
Genuinely independent
No tied agency, no in-house product. The advice answers to you — not to a head office.
Decisions made calmly
Strategy is set in writing and reviewed on a defined cadence — so calls don't have to be made in a hurry, or at the wrong moment.
Working manager relationships
Access to investment solutions and product information from established South African asset managers and product providers — including Ninety One, Old Mutual, Sanlam, Discovery, Momentum, Liberty, BrightRock and Capital Legacy — and an appropriately authorised Category II discretionary investment partner where applicable.
Quiet discipline
Clear written briefs, scheduled reviews and steady oversight — the kind of routine that protects long-term outcomes.
Calm by design
A modern client portal and light-touch mobile onboarding — the careful work happens in the background, not on your desk.
One relationship, long
A single point of accountability, continuity across generations, and someone who knows your story properly.
A modern client experience
Light on you. Thorough behind the scenes.
A private client portal, a short mobile-friendly onboarding and a secure record of every step — designed to feel calm and uncomplicated from your side, while the careful work happens quietly in ours. The full six-step journey, from first conversation to ongoing stewardship, is set out on our How We Work page.
Insights
How we think about money, markets and the long arc.
The Hidden Cost of Financial Complexity
Most financial risks are not caused by a single bad decision. They are caused by a collection of good decisions that were never coordinated — a quiet look at why complexity becomes the risk itself.
By John Vermaak
Read full piece →COFI and the quiet reshaping of independent advice
Most clients will never read the COFI Bill — but they will feel its effects. A measured look at how South African financial advice is quietly shifting away from product distribution toward ongoing client stewardship.
By John Vermaak
Read full piece →The business is not your retirement plan
Many owners assume the business will one day fund retirement. But a private business is not the same as a liquid, diversified, personal wealth plan — and conflating the two is one of the most common planning errors we see.
By John Vermaak
Read full piece →For independent advisors
A serious home for serious independent advisors.
An institutional-quality operating platform for experienced advisors — institutional investment capability, COFI-ready compliance, suitability governance and a modern client onboarding experience. Built to be partnered with, not absorbed.
- Partnership & succession pathways
- Compliance & COFI readiness
- Suitability & advice governance
- Digital onboarding & FICA infrastructure
- Direct asset manager relationships
- Practice scalability support
Credentials & trust
FSP 54508
FSCA-authorised Category I licence — advice & intermediary services
Cat II Partner
Discretionary portfolio management, where used, is provided by an authorised Cat II partner
~10 years
John's South African advisory career
Partner access
Investment solutions and product information from established South African asset managers and product providers (Ninety One, Old Mutual, Sanlam, Discovery, Momentum, Liberty, BrightRock, Capital Legacy)
In their words
Long relationships, in the words of the people who have lived them.
"John provides excellent and directed financial guidance and support. He listens to you as a customer and doesn't offer generic cookie-cutter solutions. A true customer-focused professional."
"I can recommend John with confidence. He is knowledgeable, responsive and professional."
"I have walked quite a financial path with John and his honesty and integrity have never steered me wrong with my investments. Highly recommended."
Licence status & scope of authorisation
Dynamic Consult JV (Pty) Ltd is an authorised Category I Financial Services Provider, FSP 54508. Dynamic Consult provides financial advice and intermediary services. Dynamic Consult does not provide discretionary financial services unless specifically authorised to do so. Where discretionary portfolio management, model portfolio management or mandate-based portfolio management is used, this is provided by an appropriately authorised Category II financial services provider, discretionary investment manager, product provider or platform. Product recommendations remain subject to client-specific advice, suitability assessment, risk disclosure, fee disclosure and client acceptance.
Role separation
Dynamic Consult is responsible for financial advice and intermediary services within its licence category. Product providers, platforms, asset managers and discretionary investment managers remain responsible for their respective product, platform, investment management or mandate functions.
Investment risk
Market-linked investments may rise or fall in value. Past performance is not a guarantee of future performance. Income from investments may not be guaranteed unless expressly stated by the product provider.
Disclosures & complaints
Clients may request the FSP disclosure, complaints process, conflict of interest policy and privacy notice at any time. Unresolved complaints may be escalated to the FAIS Ombud.
For private clients
Begin a quiet conversation.
A confidential discussion about where you are, the decisions ahead, and whether our approach is the right fit. Unhurried, considered and without obligation.
For independent advisors
Explore a partnership.
A confidential, no-pressure conversation about partnership, succession, or plugging into the firm's operating infrastructure.