I help you structure the wealth you've built as tax-efficiently as possible, with access to investment opportunities most advisers can't offer.
I'm Lemarque Sadler, an independent financial adviser and CERTIFIED FINANCIAL PLANNER® professional. I hold a BCom in Business Management from the University of Pretoria and a Postgraduate Diploma in Financial Planning from the University of the Free State. I'm based in Pretoria and work with clients there, in Cape Town, and across South Africa, both in person and online.
Here's what I do. You've built real wealth through years of discipline. My job is to structure it so it works harder for you, with less of it leaking out to tax along the way, and to open up good opportunities beyond the usual retail options.
I keep things in plain language and explain the reasoning behind every recommendation. There's no pressure, and you always make the final call.
You've funded the RA and grown the pension. The next real gain usually isn't a hotter fund. It's better structure. I look at all your money together, your retirement funds, discretionary savings and endowments, and choose the wrappers that keep more of your return in your hands instead of SARS's.
Some of the most useful instruments never reach the retail shelf. I can bring you bespoke structured notes, including capital-protected structures with market upside, of a kind usually reserved for institutional money.
These are structures, not guarantees. Every one is explained in full, with its risks, before you commit.Most portfolios are just a drawer of products bought at different times for different reasons. I build one strategy that holds together, where every part has a job and gets reviewed as your life changes.
You've done the sensible things. You save regularly, the RA is ticking over, and there's probably a pension growing quietly in the background. On paper it all looks fine.
But a question has started to nag. Is this money working as hard as it could be, or are you mostly just adding to it and hoping for the best? Most people never get a proper answer. They gather a few quotes, hear the same familiar advice, and carry on.
If you'd rather understand how the pieces actually fit together, and you tend to act once you do, we'll get on well.
No pressure and no pitch. It's a chance to see how much harder your money could be working, and why I'm the right person to make that happen.
Lemarque Sadler