The document provides an overview of financial, tax, and retirement planning topics including the five pillars of financial planning, types of investments and insurance, an explanation of tax planning and slabs, and an overview of mutual funds including their benefits, types, and the process for investing in them. Key details covered include definitions of financial planning, income planning, and retirement planning, as well as explanations of equity funds, debt funds, hybrid funds, and the team at WhiteOak Capital that manages mutual funds.

1. FINANCIAL , TAX & RETIREMENT
PLANNING
MEET LALCHETA

2. Financial Planning
the task of determining how a business will
afford to achieve its strategic goals and
objectives

3. 5 pillars of financial planning
Investment Income planning Insurance Tax planning Estate planning
SUCCESS

4. WHAT IS INVESTMENT
Investment definition is an asset acquired or invested in to build wealth and
save money from the hard earned income or appreciation
• TYPES OF ASSETS CLASSES
1 CASH
2 Equities
3 Fixed Income
4 Alternative Investments

5. What is Income planning
Before loaning anyone your hard-earned money, remember the 'Four Cs' of
credit: character, collateral, covenants and, the most important, capacity.
• Income planning is the process of creating a strategy to generate a
steady and reliable stream of income in the future. This typically
involves analyzing an individual's sources of income, such as salary,
retirement benefits, Social Security, and investment income, as well
as their expenses, in order to develop a plan that meets their
financial needs and goals

6. Why Insurance
Types of insurance
1. Life Insurance
2. Health Insurance
3. Long-Term Disability Coverage
4. Auto Insurance
• Insurance plans will help you pay for medical emergencies,
hospitalisation, contraction of any illnesses and treatment, and medical
care required in the future.

7. Taxation Planning
MEET LALCHETA

8. Tax planning
• Three common practice to save tax
TAX PLANNING
TAX AVOIDANCE
TAX EVASION
• Tax planning is the process of managing one's financial affairs in a way
that minimizes the amount of taxes owed. This involves utilizing various
tax strategies

9. Tax slab
Slab
New Tax Regime
Before Budget 2023
(until 31st March 2023)
New Tax Regime
After Budget 2023
(From 1st April 2023)
₹0 - ₹2,50,000 – –
₹2,50,000 - ₹3,00,000 5% –
₹3,00,000 - ₹5,00,000 5% 5%
₹5,00,000 - ₹6,00,000 10% 5%
₹6,00,000 - ₹7,50,000 10% 10%
₹7,50,000 - ₹9,00,000 15% 10%
₹9,00,000 - ₹10,00,000 15% 15%
₹10,00,000 - ₹12,00,000 20% 15%
₹12,00,000 - ₹12,50,000 20% 20%
₹12,50,000 - ₹15,00,000 25% 20%
>₹15,00,000 30% 30%

10. THE MARKET: Lorem ipsum dolor sit amet
CUSTOMERS GROWTH YR1 YR2 YR3
Customer
2
Customer
3
Customer
4
Customer
5
47% 21% 17% 37% 45%
Customer
1
Customer
6
Customer
7
17% 37%
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11. SERVICES WE OFFER
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ipsum finibus justo
OUR SPECIALIZED
OFFERINGS

13. BUSINESS MODEL
General
Services
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lacinia.
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Cultivate
Referral Sources
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purus dolor. Suspendisse sit
amet ipsum finibus justo viverra
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sodales. Nulla a erat eget nunc
hendrerit ultrices eu.
Become
an Expert
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consectetur adipiscing elit.
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lacinia.
• Ut fermentum a magna ut
eleifend.
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eu varius. Morbi a purus
dolor.

14. Retirement planning
preparing today for your future life so that you
continue to meet all your goals and dreams
independently

15. KEY
TIMELINE GOAL
2//1/YY 5/12/YY 8/20/YY 11/28/YY

16. THE TEAM
August Bergquist
Manager
Victoria Lindqvist
Owner
Allan Matson
Key employee

17. BUSINESS RATIOS
FINANCIAL RATIOS YR1 YR2 YR3
0
1
2
3
4
5
6
7
0%
5%
10%
15%
20%
Year 1 Year 2 Year 3
Success Ratios
LIQUIDITY RATIOS YR1 YR2 YR3

18. REQUIRED FUNDING
DEBT INVESTOR
$100,000 – 39%
BANK
$50,000 - 20%
OWNER EQUITY
$50,000 – 20%
OTHER INVESTMENT
$55,000 - 21%

19. LEASE DEPOSIT
1%
EQUIPMENT
X%
IMPROVEMENTS
20%
WEBSITE DEVELOPMENT
$2%
PROFESSIONAL
BUSINESS INSURANCE
2%
MARKETING
4%
WORKING CAPITAL
28%
INITIAL LEASE PAYMENT
3%
MISCELLANEOUS COSTS
$8%
FF&E
24%
USE OF FUNDS: Fixed Startup Expenses

20. THANK YOU!

21. Mutual Fund

22. What is Mutual Fund
A mutual fund is a pool of money
managed by a professional Fund
Manager

23. Types of Mutual Fund
Equity Funds Debt Funds Hybrid Funds Solution Oriented
Schemes
Other Funds
M.F TYPES

24. Equity Funds
Passive & Active Funds
Based on Sectors and Industries
Based on Themes
Equity Linked Savings Schemes
(ELSS)
Diversified Equity funds
Based on market capitalisation

25. Debt Funds
Overnight Funds – 1DAY
Liquid Funds - < 91 DAYS
Ultra Short Duration Funds 3-6 Months
Low Duration Fund 6-12 Months
Money Market Fund – > 1 Year

26. Hybrid Funds
Conservative hybrid funds
75% to 90% in a debt
10% to 25% equity
Balanced Hybrid Fund
40% to 60% in debt instruments
40% to 60% in equity
Aggressive hybrid funds
65% and 80% in the equity
20% up to 35% in debt
Multi Asset Allocation Funds
10% of the total invested in each of the asset
classes
Dynamic Asset Allocation or Balanced Advantage fund

27. PROCESS OF MF

28. Benefits of Mutual
Fund
Fair pricing
Mutual fund tax benefits under Section 80C -
in Equity Linked Savings Schemesor ELSS have
deduction from your taxable income under
Section 80C of the Income Tax Act 1961.
Maximum amt is 1.5 Lakh
Risk Diversification

29. TEAM OF WHITEOAK
Aashish P Somaiyaa
CEO
Prashant Khemka
Founder of WHITEOAK
Ramesh Mantri, CFA
CIO

30. MUTUAL FUNDS ARE SUBJECT TO MARKET RISK
PLEASE READ THE OFFER DOCUMENT CAREFULLY
BEFORE INVESTING.