This document provides an overview of financial planning, including what it is, its objectives, why it is needed, and the benefits it can provide. Financial planning is a process that identifies an individual's financial needs and goals over time and ensures they have the necessary funds available when needed. It involves savings and investment planning, asset allocation, insurance, taxes, retirement, and estate planning. The benefits of financial planning include having money available for needs and emergencies, maintaining one's standard of living in retirement, tax efficiency, funding education and marriage, and peace of mind.

1. Financial Planning MagnusFinancial Planners

2. What is Financial Planning? Financial Planning is a process aimed at identifying all the financial needs of an individual and translating these needs into monetarily measurable goals at different times in the future. Financial Planning ensures that right amount of money is available in the right hands at the right time in the future to achieve an individual’s financial goals.

3. Objectives Of Financial Planning Identifying the requirement for money for different purposes and prioritising them Converting these requirements into specific needs, in terms of money, and the time when it is required Taking stock of the investors’ current financial position. Planning savings and investments in a manner that would enable the investors to achieve their pre-determined goals Optimising returns through adequate diversification in sync with the investors’ risk – return frame work

4. Why do we need Financial Planning? To fund our future needs through right mix of investments. To protect our future from unforeseen contingencies To maintain the same standard of living even after retirement. To choose assets commensurate with the investors life stages. To beat the ravages of inflation To enable risk management through diversification.

5. Life Stages Emergencies???? Retirement Kid 2’s Marriage Kid 1’s Marriage ???? House Kid 2’s College Car Kid 1’s College Income Kid 1 Kid 2 Marriage Savings / Investing Working Life 75 + 60 Retired Life 0 25 Birth and Education Age

6. Factors necessitating financial planning Rising Life Expectancy Inflation Financial Planning Protection against Uncertainty Balanced Asset Allocation

7. Components of financial planning Financial planning comprises: Insurance planning Investment planning Tax planning Estate planning Retirement planning

8. Purchasing Power ! Let us assume, today your purchasing goods worth Rs.15,000 & inflation – 6% The Purchasing power of Rs. 15000 will be reduced to Rs. 3495. The problem is, how to maintain the same level ?

9. Can you do your own financial planning? Will your family be financially secure in the event of your unfortunate illness / demise? Will the stream of cash flows arising from your asset holdings be sufficient to match the expected liability structure? Are your finances inherently tax efficient? Have you made adequate provisions for your children’s education and marriage? Are you confident enough to enjoy your post-retirement life? If your answer is NO to any one or all of the above questions, you need a specialist to handle your finances.

10. Benefits Client will be fully aware about the solution provided. Provide Clarity and Purpose towards achieving Financial Goals Improve cash flow Improve investment performance Draw a road map for financial freedom Lower personal income taxes Peace of Mind

11. Systematic investment planning Rs.1000 invested every month for 30 years@ 15% The Power of Compounding Even small amounts invested regularly can grow substantially

12. The Formula for Creating Wealth Create Wealth Invest Regularly Start Early Make your money work hard for you

14. Regular- Similar to Recurring Deposit

15. Convenient and Hassle-Free

16. Automatic investments, one-time instruction, transactions on the net

17. No entry load

18. No entry charge for systematic investments

19. Forced saving

20. Similar to PF : Small amount invested every month to become a huge sum after some years

22. Who Are We?

23. Magnus Financial Plannersway to financial peace We are providing fee based Financial Planners and independent of product sales, also provide unbiased recommendations by keeping the client’s interest uppermost in mind and creating a road map leading to his financial freedom.

24. Special Attributes Clearly defined Fee Based Advisory models with a holistic approach Dedicated CERTIFIED FINANCIAL PLANNER ’S for client servicing Seasoned professionals with rich experience in the financial service industry.

25. malleshp_cfp@live.comTHANK YOU