wealth planners
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We will help you to plan(t) it, Then watch it GROW
Financial planning is a
responsible and effective way to
managing your finances, including
your income, assets, investments,
debts and loans. It's about
ensuring your finances are
working at their optimum level
today, and for the future.
Financial Planning
Financial planning helps you to:
– Define short- and long-term goals — what’s most
important to you
– Assess your current finances and commitments.
– Decide where you want to be in the future.
– Identify realistic strategies to achieve goals.
– Put your plan into action!
– Monitor progress.
• review/adjust strategies as needed
• keep on track to meet your goals
Benefits of Financial Planning
Life Events: Will You Be Ready?
• Premature Death
• Retirement
• Serious Illness
• Death of Spouse
• Aged Parents
• Children Getting Married
• Second Home
• Remarriage
• Starting a Business
• Paying for College
• Divorce
• Job Loss
• Relocation
• Home Purchase
• Birth of Children
• Marriage
• Temporary Disability
Life’s Financial Trade-Offs CURRENT NECESSITIES FUTURE NECESSITIES
CURRENT EXTRAS FUTURE EXTRAS
Basic shelter, food
clothing, transportation
and medical care
Basic shelter, food
clothing, cash for emergencies
and nursing home care
LLarger Home, Child Education
Child Marriage,
Retirement Income, Charity
House Renovation,
New Car, Vacation
Family Gifts
Trade-offs
Age
Income
10 20 30 40 50 60 70 80
Income Stream
Retirement/Estate
Tax
Savings/Investment
Asset Acquisition
Liability/Insurance
Benefits
Financial Planning Lifecycle
Your ideal asset mix largely depends on your life stage
Life Stage 1Building Your Portfolio
Cash 0%
Stocks 65% Bonds 35%
Life Stage 2Managing Your Portfolio
Life Stage 3Enjoying Your Success
Cash 10%
Bonds 65%
Portfolio Creation
Stocks 50%
Cash 5%Bonds 45% Stocks 25%
How Financial Planning Relates to Cash Flow
Tax Management
Cash flow Management
Portfolio Management
Risk Management
Capital Debt Management
Estate ManagementOther Offerings
Wealth Planners is “THE HUB” of Client’s Financial Universe.Acting as Manager and Strategist for the Investors
Wealth Planners is “THE HUB” of Client’s Financial Universe.Acting as Manager and Strategist for the Investors
25+ 30+
STRUCTURE
PRODUCTS
STRATEGY
Defining and achieving lifestyle goals:• Cashflow management• Risk management• Debt management• Tax management • Superannuation strategies• Gearing strategies• Social security strategies• Estate planning
• Asset allocation• Portfolio construction• Debt structure
• Which investments?• Which insurance?• Which loan?W
ealth
. Life
styl
e. G
oals
. Asp
iratio
ns
Advice continuum
Adding Real Value for our Clients
Wealth Accumulation Retirement Wealth Consumption
Debt & Cash Flow Management
Asset Allocation Investment Strategy
Asset/ Product Selection, Transactions, Reporting
Tax, Estate & Risk
Management
25+ 30+
Extending the offering to debt / tax management will attract clients earlier, bringing forward the traditional’ starting point for advice relationships
‘Holistic’ financial planning (financial strategy and management across the investor’s financial needs and life cycle) provides greater scope to manage / enhance the investor’s lifetime financial position
‘Traditional’ financial planning (focusing on asset selection and allocation) provides the planner limited scope to manage on the investor’s savings trajectory (as the planner cannot consistently pick winners)- and therefore is of limited value to the client
Wea
lth
Holistic Planning Model
• Integrity - High standards of honesty & integrity
• Objectivity - disclosure of limitations to clients by planner
• Competence - to display this at all times
• Fairness - in the manner of providing your skills
• Professionalism - ensure that your conduct will not discredit
• Confidentiality - Compliance with the CFP/FPSB standards
• Diligence - Act with due skill, care & diligence
Our Ethics….
We understand that no two people are the same, and this means the
advice you receive should be as unique as you.
So, at Wealth Planners, we reject the traditional 'one-size-fits-all'
approach to financial planning and instead, demand the delivery of
individualized advice, specifically tailored to suit your needs.
Our team understands that you live in the real world and want to deal
with real people that you can trust, relate to and get along with.
Perhaps most importantly, we know how critical it is for us to truly
understand you and your goals, and share your hopes for the future.
How we are Different…?
