We are an Independent, Discretionary Financial Services Provider

Financial independence

We believe that everyone has the right to financial independence.

Financial advice

We believe that everyone has the right to sound and proper financial advice.

Trusted relationship

We believe that you have the right to build a long, trusted relationship with a financial advisor.

Belief into reality

We aim to turn our belief into reality through what we do and who we are.

FDM was established in 1999 and we pride ourselves in the services we have been providing ever since. The experience we have gained over the years makes us confident that we provide our clients with trustworthy and accurate advice regarding their financial position. Our job is to provide you with a service that will help you develop and build financial security and independence. We aim to build long, trusted relationships with our clients.


We are independent of any banking or financial institution.
This means that we answer only to our clients and ourselves.


We are a discretionary financial services provider.
This means that we use our discretion in making decisions to provide a service that caters for your specific financial needs.


Someone is sitting in the shade today because someone planted a tree a long time ago.

Warren Buffett

The Management Team

Kobie Fernhout

Director, CEO

Kobie Fernhout

Kobie holds a Post-Graduate Diploma in financial planning from the University of the Free State. He also completed an Advanced Certificate in Trust Law at the University of Pretoria. During a career spanning more than 30 years in the financial services industry, he gained a broad knowledge of Financial, Tax and Estate Planning practices, as well as the Asset and Investment Management disciplines.

Brandon Zietsman

Non-Executive Director

Brandon Zietsman

Brandon holds a B. Com Degree and Higher Diploma in Tax Law from Wits University, and holds a CFA qualification. Having worked for Investec Bank, RMB Fund Managers (Head: Product development), Mercury Consolidated Holdings, RMB Asset Management (CEO: RMB Unit Trusts), ABSA Wealth (Head: Product Office, CIO), he has over 21 years of experience in the Financial Services industry. Brandon has held the following positions in industry bodies: Director: Association of Collective Investments (2003 – 2006) Chairman: Governance Committee of the Association of Collective Investments (2003 -2005) Deputy Chairman: Association of Collective Investments (2006)

Le Roux Fernhout

Wealth Manager

Le Roux Fernhout

Le Roux started working at FDM in 2011. He completed his NQF Level 6 certificate in Financial Planning and Financial Markets through the Academy of Financial Markets.

Jeanine Meter

Operations Manager

Jeanine Meter

Jeanine graduated from the North West University Potchefstroom Campus in 2014 after completing her degree in Economics, Risk and Investment Management. In 2015 she enrolled at University of Johannesburg to do her Honours in Investment management and graduated at the end of 2015. Jeanine started her career at FDM in February 2016. She also complete a Postgraduate Diploma in Estate planning in 2019.

Hailey Macphail

Wealth Assistant & Paraplanner

Shane Hocking

Executive Assistant

Why Choose FDM?

We like to pride ourselves in the specific way we conduct business.
One of our main objectives is that we would like to work with you in an open and informed partnership.
This is only possible if we are honest and upfront.

– We will call a spade a spade – if you are financially in a bad space, we’ll give it to you straight up.

– We will work with you to get out of that space and get you as close as possible to financial independence.

– We will not over-promise and under-deliver – yes, we want to help you earn good returns on your investments, but we have to be realistic about the market

– From day one we will tell you exactly what our service will cost you. We’ll be transparent about our fees with nothing hidden in the fine-print – in fact, we don’t even have fine-print! We also don’t earn any upfront fees or commission for bringing you on as a client.
– Our fund manager is dedicated to tracking down the best-performing, sustainable investment funds. We offer a tremendous variety of investment portfolios of the highest quality. This partnership leaves us free to tend to your needs and offer you the best possible advice for your unique circumstances.

Every day we do what we do best, and we have been doing for the past 21 years.
We love what we do, and we love the way we do it.

Your success is our success.

Wealth Management

We offer an advice-centric integrated wealth management approach

Traditionally certain wealth management approaches made reference to specific services.
As part of our advice-centric integrated wealth management approach the following services are included:

Realizing a happy retirement is an extremely extensive process and takes years of sensible preparation. Retirement planning ensures that a client has sufficient assets at retirement. We aim to ensure that our clients meet their financial goals and objectives in order for them to become and remain financially independent once they retire

Investment planning consists of analysing a financial situation and preparing the most appropriate solution to ensure a healthy and attractive growth of capital. We optimise investment portfolios to ensure that portfolios provide the maximum return for the given level of risk, likewise we minimise risk for the given level of expected return.

It is important to have access to thorough advice in regard to one’s Estate, planning and ensuring a problem free estate give you peace of mind about your financial situation. Estate planning typically attempts to eliminate uncertainties over the administration of an estate and to maximize the value of the estate by reducing taxes and other expenses in the transition stage.

It is of great importance that each of us have certainty of what will happen to our assets once we are no longer here to oversee it. FDM offers a full range of estate planning and fiduciary services, which include the establishing and administering of wills and trusts.

Financial Planning


Price is what you pay. Value is what you get.

Warren Buffett


Regus 2nd floor,
Rivonia Village Shopping center,
Cnr Mutual road & Rivonia Boulevard,
Rivonia, Gauteng

Johannesburg – Head Office
Tel: 011 259 9065
Fax: 086 614 4570

Johannesburg – Head Office
Email: fdmstaff@fdm.co.za