I help professionals in their 30s and 40s structure R1m–R5m 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.
My work is simple to describe and hard to do well: take the wealth you've built through years of discipline and structure it so it works as efficiently as it possibly can — across tax, retirement, and the opportunities that sit beyond the standard shelf.
No jargon. No pressure. I explain the reasoning behind every recommendation, and you always make the final call.
You've funded the RA and grown the pension. The next real gain isn't a hotter fund — it's structure. I look across all your pots — retirement, discretionary, endowments — and choose the wrappers that keep more of your return in your hands rather than 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 allocations.
These are structures, not guarantees. Every one is explained in full, with its risks, before you commit.Most portfolios are a drawer of products bought at different times for different reasons. I build one strategy that holds together — every part with a job, reviewed and managed as your life changes.
If that sounds like you, the next step is an easy one.
No pressure and no pitch — it's simply a chance to see whether we're a good fit. If we're not, I'll happily point you in a better direction.