Elzeri Sadler Financial Planning

17/06/2026

This is why I do what I do! Securing people’s future by making sure they are covered for the unknown! 🙌🏻

Big numbers matter.
But so do names.

11,333 beneficiaries paid in 2025.
R176 million returned.

That’s 11,333 families reconnected to what was already theirs.
Unclaimed benefits aren’t just financial entries.

Their futures interrupted.

Returned. Where it belongs.

01/06/2026

What if I told you SARS wants to help fund your retirement? 🤯🇿🇦

It sounds too good to be true, but it’s entirely legal.

The South African government actively rewards you for saving for your future by giving you massive tax breaks on your Retirement Annuity (RA). When you invest in an RA, your contributions are tax-deductible up to 27.5% of your taxable income (capped at a generous R430,000 per year).

Essentially, the money you put into your RA reduces your taxable income, meaning you pay less income tax today, or you get a nice tax refund from SARS at the end of the tax year.

Let’s look at a real-world example:
Meet Thabo. He earns R45,000 a month (R540,000 a year), which puts his highest tax bracket at 36%.
Thabo decides to invest 15% of his salary into a Retirement Annuity to secure his future.
His Monthly Contribution: R6,750 His Monthly Tax Savings: ~R2,430
The Reality: Even though R6,750 is going into his investment pot, it only feels like R4,320 is leaving his pocket. SARS is effectively sponsoring the other R2,430!
Over a full year, Thabo puts R81,000 into his retirement savings, but saves nearly R29,000 in tax.
On top of that, your RA grows entirely tax-free—meaning you pay R0 in Capital Gains Tax, Dividends Tax, or tax on interest while your money is growing.

Ready to stop leaving money on the table?
The best time to optimize your tax structure isn't at the end of the tax year—it's right now.

In partnership with Envestpro, I can help you calculate your exact tax-deduction sweet spot and build a portfolio that maximizes your growth while shrinking your tax bill.

Let’s chat:
Call/Whatsapp: 071 874 1445
Email: [email protected]

Ts & Cs apply. This example is for illustrative purposes based on current SARS tax tables.
The information shared here is for general information purposes and does not constitute financial advice. For personalised financial advice, please contact me directly.

29/05/2026

In 2025, Liberty paid out R12.63 billion in claims, supporting clients and families when they needed it most.

For our retail clients alone:
✅ R7.79 billion paid to nearly 28,000 clients
✅ Equivalent to R31 million paid every working day

Behind these numbers is a powerful reality; rising claims across critical illness, disability and life cover highlight just how important protection has become, especially as more young people are impacted.

At Liberty, we remain committed to showing up with certainty, simplicity and humanity when it matters most.
Protection isn’t just about policies, it’s about people.

To find out more, read here: https://bit.ly/4dNRMFZ

19/05/2026

Your financial goals deserve more than just a wish list. They need a plan. 📈✨

It’s easy to focus on the day-to-day and push long-term financial planning to the back burner. But true financial freedom isn’t about luck—it’s about strategy, protection, and deliberate choices.

Whether you are building your wealth, protecting your family, or planning your legacy, I’m here to help you navigate the journey with confidence.

In partnership with Envestpro, I offer comprehensive, tailored solutions to cover every corner of your financial life:

🛡️ Wealth Protection: Long-term insurance, short-term insurance, and medical aid to safeguard what matters most.

💼 Wealth Creation: Strategic investments and retirement planning designed to make your money work harder for you.

🏢 Business Solutions: Corporate benefits to protect your business and attract top-tier talent.

📜 Legacy Planning: Wills and estate planning to ensure your loved ones are taken care of, exactly as you intended.

Financial planning isn’t a one-size-fits-all checklist. It’s a personalized roadmap built around your life and your dreams.

👇 Let’s secure your future today.
Don't wait for "the right time" to start. Let's grab a coffee (or jump on a quick virtual call) to review your portfolio and ensure you're on the right track.

📞 0718741445
📧 [email protected]

13/05/2026

I’m incredibly proud to say that I’ve graduated and got my Bachelor of Commerce in Business Management with distinction (cum laude).

As this is my second degree, I thought I knew exactly what to expect. I was wrong.

If anything, doing it a second time came with its own challenges. Balancing everything, staying motivated, and pushing through the difficult moments was far from easy.

There were times when it felt overwhelming, but I kept reminding myself why I started — and I refused to give up.

Today, I’m grateful that all the hard work paid off.

This milestone is proof that persistence, consistency, and self-belief matter more than ease.

Excited for what lies ahead.

04/05/2026

85% of South Africans are playing a dangerous game. Are you?

In South Africa, a medical aid plan is only half the battle. While it pays the hospital, who pays for your lifestyle when a "Big Four" illness hits?

The latest 2025 ASISA Insurance Gap Study has just revealed a terrifying truth: over 85% of South African income earners have ZERO critical illness cover.

The 2024/2025 Reality by the Numbers:
- The "Big Four" Dominance: Cancer, heart attacks, strokes, and coronary bypass grafts accounted for 73% of all severe illness claims in 2024.
- Massive Payouts: In just the first six months of 2025, South African life insurers paid out R297 billion in claims and benefits for death, disability, and critical illness.
- Younger Claimants: Illness doesn't wait for old age. Roughly 38% of all underwritten risk claims in 2024 were from people under the age of 60, with 8% being under 40.
- The Funding Shortfall: The combined critical illness cover held by South Africans currently only meets 26% of the actual need.

The High Cost of "Not Having It"
Critical illness insurance (Dread Disease cover) isn't for medical bills—it's for the hidden costs medical aid won't touch:
- Lifestyle Adjustments: If a stroke leaves you needing home modifications or specialized care, where does that R500,000+ come from?
- Shortfall in Savings: Without a lump-sum payout, many families are forced to surrender savings and retirement policies just to cope with financial hardship.
- The Income Gap: Recovery often means months away from work. While your salary might stop or decrease, your bond, school fees, and grocery bills don't.
- Early Detection, High Cost: 1 in 5 people globally will develop cancer. While early detection saves lives, the specialized treatments and biological drugs often fall into "co-payment" traps that can bankrupt a household.

Don’t be part of the 85%. Most people view critical illness cover as a luxury until the day they receive a diagnosis. By then, it’s too late to get covered.

Contact me today to not be part of the 85%
Email: [email protected]
Call/Message: 071 874 1445

23/04/2026

The Cost of the "It Won't Happen to Me" Mindset

If you woke up tomorrow and could no longer perform your job due to illness or injury, how long would your lifestyle last?

In South Africa, the gap between what we have and what we need has reached a staggering level. Here are the 2025 statistics you cannot afford to ignore

The 2025 Stats (Source: ASISA)
• The R626 Billion Milestone: South African life insurers paid out a record R626 billion in claims and benefits in 2025. This covers life, disability, and income protection—proving that these events are happening at a massive scale.
• The Widow/Disability Gap: The 2025 Insurance Gap Study reveals that the average South African earner has a disability insurance gap of R1.8 million.
• Only 39% Protected: Most formally employed South Africans only have enough cover to provide 39% of the income their families would actually need if they became disabled.

How Not Having Cover Impacts Your Life
1. The "61% Income Cut": Based on the current gap study, without proper cover, your family will likely face a 61% drop in monthly income the moment you can’t work.
2. Asset Liquidation: Without a monthly income benefit, families are often forced to sell their homes or vehicles at a loss just to cover medical rehabilitation and daily costs.
3. Dependence on State Grants: Without private cover, you may be forced to rely on government disability grants, which currently provide less than R2,200 per month—hardly enough to cover a week’s groceries, let alone a bond.

Your income is the engine of your life. If the engine fails and you don’t have a backup, the whole journey grinds to a halt.

Is your greatest asset protected?
Stop hoping for the best and start planning for it.

Contact me today for a confidential review of financial portfolio. Let’s make sure your family and your future are bulletproof.

📧 [email protected]
📞 071 874 1445

*The information shared here is for general information purposes and does not constitute financial advice. For personalised financial advice, please contact me directly.

07/04/2026

GET TO KNOW THE FINANCIAL ADVISOR

Hello! I’m Elzeri Sadler

I believe that financial freedom is the foundation for a life well-lived, and I’m thrilled to be part of the team at Envestpro as a Financial Advisor.

My path to this role has been a unique blend of logic and creativity. With a BCom in Business Management and a BA in Visual Communication, I’ve learned to balance the technical "numbers" side of financial planning with a deep appreciation for the unique stories and visions my clients have for their futures.

Why I Do What I Do:
At the heart of my work is a genuine passion for helping people. There is nothing more rewarding than providing the clarity and strategy someone needs to protect their family, grow their wealth, and reach their long-term goals. I don’t just manage portfolios; I partner with people to help them build the lives they've dreamed of.

Beyond the Spreadsheet:
When I’m not working out a financial plan and strategy or meeting with clients, you can usually find me leaning into my love for the natural world:
- The Great Outdoors: I have a massive passion for nature. While I’ll never get bored of the Bushveld, I have a deep love for the ocean as well.
- Creative Hobbies: I’m an avid reader and love spending time behind the lens practicing wildlife photography.
- Travel: I’m always looking for new places to explore. At the very top of my bucket list? Witnessing the Northern Lights.
- The "Dog Babies": I am a proud dog parent to three wonderful pups who keep me on my toes!

I’m looking forward to connecting with you here and sharing insights that help you navigate your financial journey with confidence.

Let’s connect! Whether you have a question about your financial plan or just want to swap travel stories, my door is always open.

31/03/2026

The 6% Reality: Why "Hope" Isn't a Retirement Plan 🇿🇦

Did you know that according to recent studies, only 6% of South Africans are on track to retire comfortably?

That means a staggering 94% of our population faces a future of downsizing their lifestyle, relying on family, or never being able to stop working.

The biggest roadblocks?
- Delaying the start (the "I’ll do it next year" trap).
- Overspending and under-saving.
- Inflation eroding purchasing power.

Being part of the 6% isn't about luck or having a massive salary—it’s about having a strategy. As a financial advisor, I help you navigate the complexity of retirement planning, tax efficiencies, and compound growth to ensure you aren't just another statistic.

Don’t leave your future to chance. Let’s build a plan that puts you in the 6%.

Contact me today to schedule your discovery call:

📧 [email protected]
📞 071 874 1445

26/03/2026

Dear Future Client,

I am a Financial Planner at Envestpro, where we help clients create a clear financial strategy and plan to achieve their personal financial goals.

Our approach focuses on Risk Mitigation and Wealth Creation, presented through a simple and easy-to-understand financial analysis.

This ensures that my clients have peace of mind about their financial position and that their financial decisions are aligned with achieving their goals — rather than simply paying multiple debit orders without a clear strategy behind them.

Contact me today!