Our Financial Planning and Wealth Advice Practise “ Wisdom for Wealth, for Life”
Background <ul><li>Established since 2000 </li></ul><ul><li>Frank Agliotti </li></ul><ul><li>Financial Planner and Wealth ...
About  You <ul><li>What are your future financial needs? </li></ul><ul><li>Have you determined your financial goals? </li>...
Financial Planning “ Financial decisions made today have lifetime implications” <ul><li>How prepared are you financially? ...
Benefits gained from the process of financial planning <ul><li>Maintaining a balance of capital and income as well as affo...
Investment Management “ We help you manage your money  so you can manage your life ” <ul><li>In the volatile world of inve...
Investment Management We are here for you <ul><li>Creating wealth is hard. Managing it well can even be harder. Partnering...
Investment Management What you can expect <ul><li>We begin with you – where you are now and where you want to go </li></ul...
Investment Management The right perspective <ul><li>We believe the two most important investment principles are: </li></ul...
Investment Management Your investment team <ul><li>Our clients benefit from the wisdom of a team approach </li></ul><ul><l...
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Introduction To Financial Planning And Wealth Advice

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Introduction To Financial Planning And Wealth Advice

  1. 1. Our Financial Planning and Wealth Advice Practise “ Wisdom for Wealth, for Life”
  2. 2. Background <ul><li>Established since 2000 </li></ul><ul><li>Frank Agliotti </li></ul><ul><li>Financial Planner and Wealth Advisor </li></ul><ul><li>Bernadette Rodocanachi </li></ul><ul><li>Office Manager </li></ul><ul><li>We have an established Financial Planning </li></ul><ul><li>and Wealth Advice Practise and represent </li></ul><ul><li>Liberty Group Ltd. </li></ul><ul><li>Liberty Group Ltd is a registered Financial </li></ul><ul><li>Service Provider (FSP2409). </li></ul><ul><li>Liberty Group provides Assurance and </li></ul><ul><li>Investment related products as well as </li></ul><ul><li>leading management, training and </li></ul><ul><li>development of its Financial Planners to </li></ul><ul><li>provide sound financial planning advice </li></ul><ul><li>based on Internationally accepted standards. </li></ul>
  3. 3. About You <ul><li>What are your future financial needs? </li></ul><ul><li>Have you determined your financial goals? </li></ul><ul><li>Are you experiencing peace of mind in terms of your investments? </li></ul><ul><li>Is your estate plan designed to accomplish your financial and legacy objectives? </li></ul><ul><li>Are you taking advantage of specific tax saving strategies? </li></ul><ul><li>Would you like to increase your saving and investing? </li></ul><ul><li>We want to help you with these issues. Personal financial planning is the </li></ul><ul><li>the organization of an individuals financial and personal data for the purpose </li></ul><ul><li>of developing a strategic plan to constructively manage income, assets </li></ul><ul><li>and liabilities to meet short and long term goals. </li></ul>
  4. 4. Financial Planning “ Financial decisions made today have lifetime implications” <ul><li>How prepared are you financially? </li></ul><ul><li>Do you have the time, the expertise, and the tools to manage the multiple and complex financial matters that successful people face? </li></ul><ul><li>Do you want to do it yourself? </li></ul><ul><li>Are you taking attention away from other important areas of your life to take care of your financial matters? </li></ul><ul><li>Is your net worth headed in the right direction to accomplish your long – term goals? </li></ul><ul><li>As a financial planner we have the expertise and credentials to help you assess </li></ul><ul><li>where you are and what decisions need to be made today to help achieve your </li></ul><ul><li>short and long term goals. </li></ul><ul><li>Financial planning means different things to different people; however, </li></ul><ul><li>irrespective of the size of our income or number of assets owned by a household, </li></ul><ul><li>the need for financial planning is critical, the only difference being the complexity </li></ul><ul><li>of the planning. </li></ul>
  5. 5. Benefits gained from the process of financial planning <ul><li>Maintaining a balance of capital and income as well as affording protection </li></ul><ul><li>against financial risk </li></ul><ul><li>Maintaining the value and purchasing power of capital </li></ul><ul><li>Legitimately minimizing taxation </li></ul><ul><li>Achieving an acceptable level of investment return </li></ul><ul><li>Achieving financial independence at retirement </li></ul><ul><li>Achieving an appropriate structure of liabilities </li></ul><ul><li>Providing security for the family </li></ul><ul><li>Balancing your Budget </li></ul><ul><li>Balancing current lifestyle with future lifestyle </li></ul><ul><li>Establishing regular and clearly defined reviews of your financial plan </li></ul>
  6. 6. Investment Management “ We help you manage your money so you can manage your life ” <ul><li>In the volatile world of investing, wisdom dictates travelling with someone you trust. Someone who has been there before. Someone who listens to you. </li></ul><ul><li>We serve the investment manage needs of high net worth individuals, trusts, </li></ul><ul><li>businesses, retirement plans and philanthropic organizations. </li></ul><ul><li>Through Stanlib and Liberty we provide a comprehensive selection of reputable </li></ul><ul><li>Portfolio Managers who manage equity, fixed interest and property asset classes. </li></ul><ul><li>We have access to single, multiple and risk profiled money managers by Stanlib </li></ul><ul><li>as well as external money managers i.e. Coronation, Allan Gray, Investec and </li></ul><ul><li>Foord. </li></ul>
  7. 7. Investment Management We are here for you <ul><li>Creating wealth is hard. Managing it well can even be harder. Partnering with </li></ul><ul><li>us will provide you with: </li></ul><ul><ul><li>EXPERTISE As a seasoned financial planner and having the experience and credentials to ensure you receive solid investment counsel built </li></ul></ul><ul><ul><li>on a foundation of time-tested principles. </li></ul></ul><ul><ul><li>AVAILABILITY We are on call…..for you. By limiting the number of client relationships, we provide a high level of personal attention. </li></ul></ul><ul><ul><li>OBJECTIVITY We are restricted with regard to one financial institution, however </li></ul></ul><ul><ul><li>Liberty Life risk products are being improved to remain competitive in the market </li></ul></ul><ul><ul><li>place. Our Investment platform allows us flexibility and independence to select external money managers, thus assuring you of investment independence although limited but sufficient to remain objective. </li></ul></ul><ul><ul><li>DIRECTION Getting invested is one thing. Making wise investment decisions is another. Using sound judgement based on years of experience and expertise, we help you navigate the turbulent waters of today’s investment market place. </li></ul></ul>
  8. 8. Investment Management What you can expect <ul><li>We begin with you – where you are now and where you want to go </li></ul><ul><li>LISTENING Everyone has a story. Understanding yours is critical to effectively managing </li></ul><ul><li>your investments. We ask the right questions….then listen. </li></ul><ul><li>Personalized Investment Strategy Which investment is better cash, shares, property or hedge funds? It depends on what you are trying to accomplish. We believe successful </li></ul><ul><li>investing is a strategy, not a guess on where the market is headed. We develop a multi – asset, multi-style, multi-manager portfolio suited to your unique risk tolerance, time horizon and income need. </li></ul><ul><li>Manager Selection Through Stanlib we have multi manager funds that use rigorous quantitive and qualititive process and if we select a single money manager it based on </li></ul><ul><li>their skill, experience, management team and investment philosophy i.e. Allan Gray, Investect, Coronation and Negroup Investments. </li></ul><ul><li>Monitoring Our portfolio managers are regularly monitored to ensure that they perform </li></ul><ul><li>as expected. Through our annual review session we make sure that your investment mix stays in proper alignment with your objectives. </li></ul><ul><li>Clear Communication Our investment statements are clear and concise. </li></ul>
  9. 9. Investment Management The right perspective <ul><li>We believe the two most important investment principles are: </li></ul><ul><li>LONG TERM PERSPECTIVE Investing is a process that rewards discipline. </li></ul><ul><li>Solid long-term performance is achieved through riding out the inevitable short – </li></ul><ul><li>term volatility and ever changing economic cycles. Though the range of portfolio </li></ul><ul><li>return in a single year may vary greatly, the risk of loss decreases significantly </li></ul><ul><li>over time. We will help you stay focused on the horizon. </li></ul><ul><li>DIVERSIFICATION No one can predict the future. Which asset class will be next </li></ul><ul><li>years best performer? A well – diversified portfolio – which may include large company </li></ul><ul><li>shares, small company shares, international shares, bonds, listed / unlisted property </li></ul><ul><li>and cash – anticipates risk by reducing short- term fluctuations in value while </li></ul><ul><li>optimizing long – term performance. </li></ul>
  10. 10. Investment Management Your investment team <ul><li>Our clients benefit from the wisdom of a team approach </li></ul><ul><li>YOUR PERSONAL FINANCIAL PLANNER Ready to guide and equip you in making sound </li></ul><ul><li>decisions for you and your family. </li></ul><ul><li>YOUR PERSONAL SUPPORT TEAM I am supported by an in-house office manager should </li></ul><ul><li>I be unavailable to access your investment records which is also readily available through </li></ul><ul><li>Liberty and Stanlib Administration services on our website. </li></ul><ul><li>YOUR INVESTMENT RESEARCH GROUP With regard to Stanlib and Nedgroup Investments </li></ul><ul><li>they work diligently to identify money managers based on a “Best of Breed Approach”. </li></ul><ul><li>Qualitative and quantitative research as well as regular face-to-face meetings with managers, </li></ul><ul><li>they are proactive in addressing their respective investment mandates. </li></ul><ul><li>Our desire is to keep your investment journey on course – your course – </li></ul><ul><li>during time of calm and storm. </li></ul>

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