1. effective
financial planning

2. 2
contents
• Why you need a plan
• What does Old Mutual Personal Financial Advice offer
• Who we are
• The planning process
• The elements of a financial plan

3. 3
WHY YOU NEED A PLAN
“You are flying blind
if you fail to draw up
a plan”
– Personal Finance
“Financial planning
should, simply, be about
strategies that create,
preserve and grow your
wealth based at every
point on your needs”
– Bruce Cameron

4. DETOURS
WHERE ARE YOU ON THE LIFE STAGE MAP?
ESTABLISHED FAMILY
MARRIED
THE STUDENTSTUDENT
THE YOUNG
PROFESSIONALWORKING PROFESSIONAL
NEW PARENTS
THE YOUNG
PROFESSIONALSINGLE PARENT
EMPTY NESTERRETIRED
As your life changes, so too do
your financial needs. It’s important to
review your plan often to
accommodate these changes.
DETOUR DEATH
DETOUR RETRENCHMENT
DETOUR DIVORCE
DETOUR DEBT
4
LIFE STAGES
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5. 5
WHAT DOES PERSONAL FINANCIAL
ADVICE OFFER?
• Quality, goals-based financial advice
Through holistic financial planning
• Ongoing financial advice
Delivered by a professional financial adviser
• A comprehensive personalised plan for life
Should your circumstances change, your financial plan will too
• Backed by Old Mutual
“It all begins with a plan ...
A plan for life.”

6. 6
WHO WE ARE
USA
FRANCE
GERMANY
UK
COLOMBIA
SPAIN
SOUTH AFRICA
ITALY
POLAND
AUSTRIA
CHINA
INDIA
ZIMBABWE
MALAWIBOTSWANA
NAMIBIA
KENYA

7. 7
DETOURS
WHERE ARE YOU ON THE LIFE STAGE MAP?
ESTABLISHED FAMILY
MARRIED
THE STUDENTSTUDENT
THE YOUNG
PROFESSIONALWORKING PROFESSIONAL
NEW PARENTS
THE YOUNG
PROFESSIONALSINGLE PARENT
EMPTY NESTERRETIRED
As your life changes, so too do
your financial needs. It’s important to
review your plan often to
accommodate these changes.
DETOUR DEATH
DETOUR RETRENCHMENT
DETOUR DIVORCE
DETOUR DEBT
SOLUTION
WEALTH
CREATION
PROTECTION
OF WEALTH
SHORT TERM MEDIUM TERM LONG TERM
GOALS
RISK PLANNING INVESTMENT/SAVINGS RETIREMENT PLANNING

8. 8
THE PLANNING PROCESS
UNDERSTANDING
YOU BETTER
GATHERING
PERSONAL AND
FINANCIAL
INFORMATION
1

9. 9
THE PLANNING PROCESS
DISCOVERING
YOUR HOPES
AND DREAMS
GATHERING
PERSONAL AND
FINANCIAL
INFORMATION
1
PLANNING
AHEAD AND
CONFIRMING
FINANCIAL
GOALS
2

10. 10
THE PLANNING PROCESS
TAKING A
CLOSER LOOK
GATHERING
PERSONAL AND
FINANCIAL
INFORMATION
1
CONDUCTING A
COMPREHENSIVE
FINANCIAL
NEEDS ANALYSIS
3
PLANNING
AHEAD AND
CONFIRMING
FINANCIAL
GOALS
2

11. 11
THE PLANNING PROCESS
THE WAY
FORWARD
GATHERING
PERSONAL AND
FINANCIAL
INFORMATION
1
RECOMMENDING
SOLUTIONS
4
CONDUCTING A
COMPREHENSIVE
FINANCIAL
NEEDS ANALYSIS
3
PLANNING
AHEAD AND
CONFIRMING
FINANCIAL
GOALS
2

12. 12
THE PLANNING PROCESS
THE PLAN
GATHERING
PERSONAL AND
FINANCIAL
INFORMATION
1
RECOMMENDING
SOLUTIONS
4
IMPLEMENTING
SOLUTIONS OR
COMPROMISES
5
CONDUCTING A
COMPREHENSIVE
FINANCIAL
NEEDS ANALYSIS
3
PLANNING
AHEAD AND
CONFIRMING
FINANCIAL
GOALS
2

13. 13
THE PLANNING PROCESS
REVIEWING
THE JOURNEY
GATHERING
PERSONAL AND
FINANCIAL
INFORMATION
1
RECOMMENDING
SOLUTIONS
4
IMPLEMENTING
SOLUTIONS OR
COMPROMISES
5
CONDUCTING A
COMPREHENSIVE
FINANCIAL
NEEDS ANALYSIS
3
REVIEWING
SOLUTIONS
AND MAKING
CHANGES
6
PLANNING
AHEAD AND
CONFIRMING
FINANCIAL
GOALS
2