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Workshop 
Module Three: 
Building The 
Saunders Learning Group, Newton, KS 
Base 
Saunders Learning Group, Newton, KS
Training from Saunders Learning Group 
Saunders 
Learning 
Group 
provides 
a 
variety 
of 
training 
programs, 
workshops...
Agenda 
Laying The Foundation for Success 
Developing the Structure 
Building your Pyramid 
Savings vs. Investing 
Managin...
“All 
mankind 
is 
divided 
into 
three 
classes: 
those 
that 
are 
immovable, 
those 
that 
are 
movable, 
Saunders Lear...
Laying the Foundation for Success 
Financial Plan 
Financial Foundation 
Saunders Learning Group, Newton, KS 
Insurance 
G...
Savings Vs. Investing 
! Savings 
accounts 
make 
sense 
as 
a 
way 
to 
build 
on 
your 
founda@on 
of 
having 
goals, 
f...
Investments 
! Typical 
investments 
include 
corporate 
stocks 
and 
bonds, 
mutual 
funds, 
Exchange 
Traded 
Funds 
(ET...
Building Your Pyramid 
Now 
add 
low 
risk, 
stable 
return 
savings 
to 
your 
pyramid 
with: 
Financial Plan 
Financial ...
Annuities and Government Securities 
! Insurance 
companies 
offer 
a 
range 
of 
annuity 
products 
that 
have 
a 
secure...
Adding to Your Pyramid 
Once 
you 
have 
created 
your 
savings 
founda@on, 
you 
can 
start 
to 
invest, 
adding 
low 
ri...
Risk vs. Return Investments 
! As 
the 
risk 
level 
of 
an 
investment 
increases, 
the 
poten@al 
return 
usually 
incre...
Add Investments with Higher Returns & Risk 
Now 
add 
to 
the 
mix 
stocks, 
bonds, 
mutual 
funds 
and/or 
real 
estate 
...
Hitting the Peak of the Pyramid 
! Investments 
at 
the 
top 
of 
the 
pyramid 
should 
only 
be 
a 
small 
part 
of 
your...
Speculative Trading – Futures, Collectibles 
Specula@ve 
trading 
is 
not 
inves@ng, 
it’s 
taking 
bigger 
risks 
for 
th...
Managing Risks 
“The 
safe 
way 
to 
double 
your 
money 
is 
to 
fold 
it 
over 
once 
and 
put 
it 
in 
your 
pocket” 
–...
Financial Freedom – One Brick at a time 
Futures 
Contracts 
Options, and 
Collectibles 
High Risk 
Stocks, junk bonds, mu...
Questions 
Saunders Learning Group, Newton, KS
Post Workshop Action Plan 
! Refer 
to 
your 
workbook 
to 
update 
your 
ac@on 
plan 
Saunders Learning Group, Newton, KS...
Reference Material 
Saunders Learning Group, Newton, KS 
Family Financial Freedom 
140 pages 
ISBN 978-1-60-746269-9 
Avai...
Family Financial Freedom Seminars 
• This series of seminars on family financial freedom is available to all trainers, 
ed...
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Building Your Financial Base Module 3 of Family Financial Freedom

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The seminars are available to anyone including financial planners, and other professionals in the financial services industry who would like a set of the materials, participant's workbooks or the Family Financial Freedom book (discounts for volume purchases)You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.

Published in: Economy & Finance
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Building Your Financial Base Module 3 of Family Financial Freedom

  1. 1. Workshop Module Three: Building The Saunders Learning Group, Newton, KS Base Saunders Learning Group, Newton, KS
  2. 2. Training from Saunders Learning Group Saunders Learning Group provides a variety of training programs, workshops and seminars targeted to the financial services industry. If you are financial planner, broker, tax preparer, insurance agent or banker and need seminar materials for client presenta@ons, contact us to discuss topics, pricing and custom development. Programs are available in a wide range of topics, and we are specialists in developing custom programs that are targeted to your needs. Contact the founder, Floyd Saunders at 316-­‐680-­‐6482 or at floyd@floydsaunders.com for more informa@on. Saunders Learning Group, Newton, KS
  3. 3. Agenda Laying The Foundation for Success Developing the Structure Building your Pyramid Savings vs. Investing Managing Risks Updating the Action Plan Saunders Learning Group, Newton, KS
  4. 4. “All mankind is divided into three classes: those that are immovable, those that are movable, Saunders Learning Group, Newton, KS and those that move.” -­‐ Ben Franklin Movers are the ones who take ac@on, the immovable are siTng around scratching their heads wondering how others could possibly be so successful. Which group do you want to belong to? subtitle 4
  5. 5. Laying the Foundation for Success Financial Plan Financial Foundation Saunders Learning Group, Newton, KS Insurance Goals Budget Financial Records Net Worth Life Disability Health Property & Liability
  6. 6. Savings Vs. Investing ! Savings accounts make sense as a way to build on your founda@on of having goals, following a budget and insuring yourself from risk. Inves@ng may offer a greater return, but at a higher degree of risk. ! Savings accounts are typically insured by the Federal Government, and offer a stable rate of return. This is perfect for an emergency fund, where you might need to access the funds quickly. ! Savings Bonds are not insured, nor can you access the funds as quickly as a savings account, but you can purchase them at discount to the face value, making this a safe and secure way to start to build up your savings accounts. ! Money Market Funds from a bank offer federal deposit insurance and can be accessed by check. Money Market funds from an investment company are not insured but may offer a higher rate of return. ! Cer@ficates of Deposit offer a higher rate of return and are insured. You money is on deposit for a specific @me period (three months to 10 years). Saunders Learning Group, Newton, KS
  7. 7. Investments ! Typical investments include corporate stocks and bonds, mutual funds, Exchange Traded Funds (ETFs), real estate and riskier investments like op@ons, futures and commodi@es. ! Inves@ng in securi@es provides you with an addi@onal tool to help you reach your financial goals. ! Savings accounts create a secure financial founda@on ! Securi@es have historically provided be_er protec@on from the effects of infla@on and taxes, by earning be_er returns than savings accounts. ! To be financially free from worry and to plan for re@rement you will need a mix of income from social security, company pensions, savings accounts and investments. Saunders Learning Group, Newton, KS subtitle date 7
  8. 8. Building Your Pyramid Now add low risk, stable return savings to your pyramid with: Financial Plan Financial Foundation Saunders Learning Group, Newton, KS Insurance Goals Budget Financial Records Net Worth Life Disability Health Property & Liability Insured Savings Accounts Savings Bonds EE & HH Money Market Funds Certificates of Deposit Low Risk Rate Of Return
  9. 9. Annuities and Government Securities ! Insurance companies offer a range of annuity products that have a secure rate of return with various maturi@es. Also included in annui@es are variable annui@es, where the rate of return is not fixed and the insurance company invests the principle amounts in a pooled investment with the goal of providing a greater return. ! Government securi@es include U.S. Treasury bills and notes, sold at ac@on and resold in a secondary market. This allows an investor to purchase securi@es that offer a be_er return than a savings account, may be tax-­‐free and comes with some risk (Interest rate risk). ! Government bonds have longer maturi@es and are also resold in a secondary market. ! Many mutual funds are available that invest in a range of government securi@es allowing an individual investor to have their money professionally managed. Saunders Learning Group, Newton, KS subtitle date 9
  10. 10. Adding to Your Pyramid Once you have created your savings founda@on, you can start to invest, adding low risk investments. Financial Plan Financial Foundation Saunders Learning Group, Newton, KS Insurance Goals Budget Financial Records Net Worth Life Disability Health Property & Liability Insured Savings Accounts Savings Bonds EE & HH Money Market Funds Certificates of Deposit Low Risk Rate Of Return Variable Annuities Government Securities Treasury Bills & Notes Bonds Mutual Funds
  11. 11. Risk vs. Return Investments ! As the risk level of an investment increases, the poten@al return usually increases as well. ! Investments in stocks, bonds, mutual funds, real estate and various commodi@es, op@ons, futures and foreign exchange transac@ons do not come with insurance. ! While most of us would like to see be_er rates of return, it’s important to understand the risk of losing your principal. ! By building up a solid founda@on with low risk investments, most consumers can now comfortably take on the risk of inves@ng in securi@es that are not insured. Saunders Learning Group, Newton, KS
  12. 12. Add Investments with Higher Returns & Risk Now add to the mix stocks, bonds, mutual funds and/or real estate Stocks, junk bonds, mutual funds Stocks and Bonds Mutual Funds Financial Plan Aggressive Growth Real Estate High Quality Financial Foundation Saunders Learning Group, Newton, KS Medium Risk Insurance Goals Budget Financial Records Net Worth Life Disability Health Property & Liability Insured Savings Accounts Savings Bonds EE & HH Money Market Funds Certificates of Deposit Low Risk Rate Of Return Variable Annuities Government Securities Treasury Bills & Notes Bonds Mutual Funds
  13. 13. Hitting the Peak of the Pyramid ! Investments at the top of the pyramid should only be a small part of your overall investments (Perhaps 5-­‐15%). ! With these investments, you have the poten@al of losing your en@re investment, and the chance of higher returns. ! Markets in these securi@es change quickly, so you either have to be an ac@ve trader or work with a trusted broker. ! In some cases futures contracts or op@ons on these contracts act a form of insurance for other risks in your investments. For example, if you own 100 shares of IBM, you might be able to sell an option (known as a “Covered Call Option” for those shares at specific price. If your shares never increase in value to the value of the covered call, you retain your shares and the proceeds of the option. You do however have the risk of having the option purchaser exercising the option and buying your shares. Saunders Learning Group, Newton, KS
  14. 14. Speculative Trading – Futures, Collectibles Specula@ve trading is not inves@ng, it’s taking bigger risks for the poten@al of Futures High Risk greater returns, but realize Contracts your en@re investment can Options, and Collectibles be lost overnight! Stocks, junk bonds, mutual funds Stocks and Bonds Mutual Funds Financial Plan Aggressive Growth Real Estate High Quality Financial Foundation Saunders Learning Group, Newton, KS Medium Risk Insurance Goals Budget Financial Records Net Worth Life Disability Health Property & Liability Insured Savings Accounts Savings Bonds EE & HH Money Market Funds Certificates of Deposit Low Risk Rate Of Return Variable Annuities Government Securities Treasury Bills & Notes Bonds Mutual Funds
  15. 15. Managing Risks “The safe way to double your money is to fold it over once and put it in your pocket” – Frank Hubbard ! But if you want to build true financial freedom for yourself or your family, you need to apply the principle of the investment risk pyramid to build a stable founda@on for addi@onal inves@ng. ! This is not the “Get Rich Quick” approach that you might want, but it is a proven common sense approach to building financial freedom over @me. ! The more you know about seTng goals, budge@ng, protec@ng your family, savings and inves@ng the closer you will come to having true financial freedom. Saunders Learning Group, Newton, KS
  16. 16. Financial Freedom – One Brick at a time Futures Contracts Options, and Collectibles High Risk Stocks, junk bonds, mutual funds Stocks and Bonds Mutual Funds Financial Plan Aggressive Growth Real Estate High Quality Financial Foundation Saunders Learning Group, Newton, KS Medium Risk Insurance Goals Budget Financial Records Net Worth Life Disability Health Property & Liability Insured Savings Accounts Savings Bonds EE & HH Money Market Funds Certificates of Deposit Low Risk Rate Of Return Variable Annuities Government Securities Treasury Bills & Notes Bonds Mutual Funds
  17. 17. Questions Saunders Learning Group, Newton, KS
  18. 18. Post Workshop Action Plan ! Refer to your workbook to update your ac@on plan Saunders Learning Group, Newton, KS 18
  19. 19. Reference Material Saunders Learning Group, Newton, KS Family Financial Freedom 140 pages ISBN 978-1-60-746269-9 Available Formats: 6"x9" paperback PDF download eBook download Link to order: http://www.fastpencil.com/publications/4498-Family-Financial-Freedom? tid=bookbuy#read_book Also available on Kndle, Nook, iPad and other popular e-readers can be ordered from Amazon or Barnes and Noble in paperback (available soon). Book summary: You might be struggling to make ends meet, but achieving true financial freedom is still possible. The good news is virtually anyone with a desire to learn and the willingness to plan can achieve a considerable degree of financial security. This book is a road map to the personal financial freedom you want and deserve. There are no quick-rich schemes here, just common sense advice on how to manage your money, protect your family from risks and start making the moves to being more financial secure.
  20. 20. Family Financial Freedom Seminars • This series of seminars on family financial freedom is available to all trainers, educators and professional advisors in the financial services industry. • The series of seminars can be taught with or without the book, “Family Financial 1. GeTng Started 2. Making Your Money Work For You 3. Building the Base 4. Securing the Base 5. Financing Your Future Saunders Learning Group, Newton, KS 6. Mutual Funds 7. Real Estate 8. Your investments 9. Re@re in Comfort 10. Passing On Your Wealth 11. How Professional Can Help Freedom”. • Here is a full listing of seminar topics: • A leader’s guide and participant’s workbook is also available. Order your copy from Scribd • Contact the author, Floyd Saunders for pricing and order details to purchase the entire series of seminars: floyd.saunders@yahoo.com

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