Our most demanded service line

1. ______The Financial______
Consolidator
A totally integrated financial planning solution that encompasses everything from your private business interests to your complete
portfolio of passive investments – their earning & growth potential and all related financing

2. Latent Challenges that might just
be keeping you awake at night!
 My pension fund is heavily based on International equities – what’s its current value? What will it mean when I
reach retirement age? How much will I need when I retire?
 I have significant money tied up in investment properties (both residential and commercial) - what are these assets
worth now? Should I hold, sell or invest further in this asset class?
 How robust financially is my business – do I need to rationalise and streamline to ensure continued positive return
on investment? Will it be able to continue to fund my lifestyle, pension and loan commitments?
 How will my business cope with the economic crisis? Do we need to shore up? Are there opportunities? What are the
threats? What are the core strengths that we should build upon at this time?
 I need/want to retire from my business in the next 10 years - will I be able to do that? Will I able to sell it and when is
the best time? What's it worth? What happens if I pass it to my children? Will I have enough left for myself?
 How efficiently are my loans and mortgage obligations structured? Do I need to rationalise or refinance?
 How are my stock and equity investments holding up? What are they worth? Should I hold, sell or invest further in
this asset class?
 Are there better yielding investments in the current marketplace that I should be migrating my money towards?
What about private equity funds? Is the bond market a safer bet than equities?
 How do I get a handle on all of this investment and financial stuff? I can’t get a clear picture on how it all fits
together - how can I do that?
… If ANY OF THIS STRIKES A CHORD – PLEASE READ ON!
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3. The right stuff - a cooperative approach that
blends experience, understanding and skill
We understand that the core business is the foundation stone for most people that has underpinned all past wealth
generation, and is the key driver in determining the shape of the current portfolio and future investment capability -
ROCG is a specialist international consultancy focusing on strategic and performance issues relating to both the core
business and personal investment portfolios of the owners. For more details visit our Main Website www.rocg.com
and our Transition Website at www.rocg.com/businesstransition
It is important that the Financial
Consolidation is approached in a Understanding We offer a unique range of skills that
manner that best leverages and span all areas of business, finance and
obtains the optimum synergy from the marketing – with a special integrated
diverse pool of skill and experience focus on financial management and
that has been brought to bear on the planning, strategic and business
Team Skills
business owner / investor’s affairs transition planning, investment
over the years - this makes sense appraisal and performance
because once the work is complete management. All this is supported by
implementing the solutions may well proven consulting methodologies,
involve the same group of advisors. So Experience strong analytical tools and our project
we tend to act as ‘orchestra management capability.
conductors’ rather than a virtuoso
soloist in managing the assignment.
We have over three decades of extensive business experience working
both ‘at the coalface’ in the businesses themselves and in advisory roles.
We have worked and advised in financial and strategic capacities through
three downturn periods across a broad spectrum of business sectors with
a diverse selection of business owners their families and advisors.
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4. Starting to Pull it all
Together
Financial &
Tax Reporting
Finance Management &
Agreements Accountants & team inputs
Tax Advisors
Retirement & Legal issues,
other agreements &
Investments compliance
___The Financial___
Consolidator
In our role as ‘orchestra conductor’ we gather and consolidate data from all key information
sources to produce a crystal clear situation analysis and to ensure all important issues are
considered in the final integrated plan. However the first prerequisite is to be clear on your
basic Terms of Reference and the Key Issues that need to be addressed.
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5. Your Basic Terms of Reference:
Turn Common Sense into Common Practice by
1. Focusing on the core issues that need to be addressed, and
2. Posing the key questions that need to be answered to build a work plan
Sample Draft Terms of Reference Key Questions
Clarify the income yield I generate
What is the current position of
and my personal commitments in my consolidated financial
respect of each asset in my personal portfolio?
portfolio. Explain the funding
structure and the capacity of the
assets in my portfolio to fund my
projected long term financial and
lifestyle needs.
Assess my core private business, its How financially robust is my
key financial drivers and performance private business?
indicators.
Once the financial performance
review of my business is complete,
assess the outlook for my business
over the next five years and its
capacity as a driver of my personal
What is the consolidated plan
financial planning. for the future?
Once my personal financial portfolio
review is complete, create a
consolidated and structured personal
financial plan for me .
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6. Framing The Work Plan and its Modules
Turning Common Sense into Common Practice
Answering the key questions provides a Logical Structure for the Work
PHASE WORKSTEPS DELIVERABLE
What is the current position What is the status of How are private Understanding of
What information What are the other
the passive business interests Personal Financial
of my consolidated financial needs to be
investment & loan valued and
key personal
portfolio & its
portfolio? gathered? portfolio? assessed? finance drivers?
performance
What key financial Understanding the
How financially robust is my What are the key financial
What data is required? information needs to be Financial Performance
private business? performance indcators?
clarified? Drivers & Dynamics
Fully consolidated &
What is the consolidated What is the Personal Wealth What are the key
What is the Business Plan? integrated financial
plan for the future? Management Plan? implementation steps?
management plan
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7. Contact Information
If you have any questions and would like to talk with us about any aspect of this service and how
it could be applied to you and your business, we will be delighted to meet with you for an initial
consultation.
ROCG do not charge a fee for initial consultations. Contact details are listed below:
Brendan Binchy Mike Green Ralph Rowledge
CEO ROCG Europe ROCG Birmingham ROCG Birmingham
No. 7 Dr Croke Place The Old Guild House The Old Guild House
Clonmel One New Market Street One New Market Street
Co. Tipperary Birmingham Birmingham
Ireland West Midlands B3 2NH West Midlands B3 2NH
United Kingdom United Kingdom
T +353 52 6127729 T +44 121 236 6789 T +44 121 236 6789
F +353 52 6129203 F +44 121 236 9962 F +44 121 236 9962
M +353 86 2657 321 M +44 7976 831 235 M +44 7976 831 294
E brendan.binchy@rocg.com E mike.green@rocg.com E ralph.rowledge@rocg.com
W www.rocg.com W www.rocg.com W www.rocg.com
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