This document provides information on different life stages and financial needs associated with each stage. It includes the following:
- Descriptions of what to expect financially for different life stages such as being a student, single parent, married couple, or retired.
- Common questions a financial advisor might ask customers to help them understand their needs for each life stage.
- Information on "detours" people may face like debt, divorce, or retrenchment and how a financial advisor can help during difficult financial times.
- A map showing different life stages and details on financial products available for each stage from Old Mutual aimed at helping customers secure their financial future.
Elements of a Great Sales Presentation - Chapter 11 of Fundamentals of Selling by Charles M. Futrell. Presented to the students of Tolani Institute of Adipur as a part of their Sales Management Course
RFM stands for Recency, Frequency, and Monetary value, each corresponding to some key customer trait. These RFM metrics are important indicators of a customer’s behavior because frequency and monetary value affects a customer’s lifetime value, and recency affects retention, a measure of engagement.
RFM analysis helps marketers find answers to the following questions:
Who are your best customers?
Which of your customers could contribute to your churn rate?
Who has the potential to become valuable customers?
Which of your customers can be retained?
Which of your customers are most likely to respond to engagement campaigns?
Let's find out more with the help of Slideshare.
How to Create a Customer Segmentation ModelMark Haubert
Are your sales and marketing teams focused on the right customers? Learn how to define your Ideal Customer Criteria, create a Customer Segmentation Model, identify your Key Accounts and focus your teams on customers with the greatest potential for growth.
Elements of a Great Sales Presentation - Chapter 11 of Fundamentals of Selling by Charles M. Futrell. Presented to the students of Tolani Institute of Adipur as a part of their Sales Management Course
RFM stands for Recency, Frequency, and Monetary value, each corresponding to some key customer trait. These RFM metrics are important indicators of a customer’s behavior because frequency and monetary value affects a customer’s lifetime value, and recency affects retention, a measure of engagement.
RFM analysis helps marketers find answers to the following questions:
Who are your best customers?
Which of your customers could contribute to your churn rate?
Who has the potential to become valuable customers?
Which of your customers can be retained?
Which of your customers are most likely to respond to engagement campaigns?
Let's find out more with the help of Slideshare.
How to Create a Customer Segmentation ModelMark Haubert
Are your sales and marketing teams focused on the right customers? Learn how to define your Ideal Customer Criteria, create a Customer Segmentation Model, identify your Key Accounts and focus your teams on customers with the greatest potential for growth.
The Secrets to Increasing Customer Retention and RenewalsSocious
Learn how to create a sustainable system for boosting customer retention and renewals.
In this presentation, you’ll learn:
- How to leverage higher engagement
- 6 key elements of B2B customer retention
- Actionable strategies to increase customer retention and renewals
Find out if your business has all of the major symptoms of high customer churn.
Watch the video: http://web.socious.com/secrets-to-increasing-customer-retention-renewals
RFM Segmentation is the easiest and most frequently used form of database segmentation. It is based on three key metrics: Recency, Frequency and Monetary Value of customer activity. RFM is often used with transactional history in e-commerce, but can also work for Social Media interactions, online gaming or discussion boards. Based on calculated segments a marketer can prepare cross-sell, up-sell, retention and reactivation capampaigns. This deck provides a simple introduction to the RFM Segmentation methodology.
Sales Methods And Techniques PowerPoint Presentation SlidesSlideTeam
Grab this professionally designed Sales Methods And Techniques PowerPoint Presentation Slides to train your sales team regarding sales methodology, consumer’s buying behaviour, engagement experience, etc. Assess the pain points of the customers, identify market trends and create an ideal customer profile to pitch your products and services. Incorporate content-ready sales methods and techniques PPT presentation templates to show why your company exists and what are the services or products that you offer. This ready-to-use sales playbook complete presentation is perfect to improve sales effectiveness and productivity. This deck comprises of templates such as our customers, ideal customer profile, value proposition, customer journey mapping, buying/sales process, sales tools, and more. These PPT templates are completely customizable. You can edit the slides as per your requirement. Edit color, text, icon and font size if needed. Download sales playbook complete PowerPoint presentation to identify the weaknesses, leverage the strengths, intensify your profit ratio, and prove business value. Judge correctly due to our Sales Methods And Techniques Powerpoint Presentation Slides. Be able to investigate every inner detail.
Generic presentation on how to establish an Inside Sales (telephone sales) department, including determining team objectives, development of Inside Sales team, adapting marketing messages to Inside Sales delivery, sales call process, and evaluation of both team and individual team members.
Presentation is a sanitized version of one delivered to a specific company; budgets, specific marketing messages, and timeline implementation targets have been removed.
With businesses continuously growing and changing, it can be difficult to keep up with your phone calls. Utilizing inbound call centers can improve workflow, as well as improve customer satisfaction.
Lead Scoring: Aligning Marketing and Sales with Effective Lead Scoring Techniques - Turning Marketing’s leads into Sales’ gold can be a challenge. The inability to generate and identify qualified leads negatively impacts the effectiveness of marketing campaigns, revenue growth, and company success. This presentation explores this challenge and provides information on how to align the expectations of sales and marketing, enabling marketing to deliver a continuous flow of qualified leads to the sales team for maximum ROI. This informative session will teach you how to accelerate the sales cycle through automated lead scoring.
22 really useful customer retention stats from across the web covering customer retention, customer service, customer feedback, customer profitability and more.
This best practices guide will walk you through a variety of best practices, techniques and ideas to both tactically and strategically increase the efficacy, success and impact of your inside sales organization.
Some of the most successful companies have one thing in common – they offer an amazing customer experience. If you’re working on improving your strategy, get inspired by these inspirational customer experience quotes.
If you find this presentation interesting, subscribe to blog.neosperience.com to stay up to date.
Presenting our content ready Customer Relationship Management PowerPoint Presentation Slides. This custom-made PPT slide deck helps you in representing client relationship management for your organization. From introductions to key performance indicators, this comprehensive customer relationship management PowerPoint template deck covers all. Easily elucidate CRM goals, CRM integration, digital marketing integration in CRM, CRM infrastructure, and CRM process. Our CRM system PPT theme includes visually-engaging graphics and diagrams. This makes your presentation more professional. Data visualizations include linear diagrams, hierarchy diagrams, flowcharts, tabular formats, bar graphs, infographics, dashboards, cyclic diagrams, and more. Use our CRM PowerPoint presentation to explain database management, database sales reports, CRM data analysis, and data mining in CRM. Showcase CRM operations like customer retention strategies, marketing campaigns, marketing reach by channels, and marketing roadmap. So hit the download button and get access to CRM KPIs in an engaging format. Our Customer Relationship Management PowerPoint Presentation Slides are topically designed to provide an attractive backdrop to any subject. Use them to look like a presentation pro. https://bit.ly/3kgHKjd
Event @ AICare Hub (30 March) - Manage your time and money as caregiverSingapore Silver Pages
Event: Manage your time and money as caregiver
Date: 30 March 2014
Venue: AICare Hub
Presentation: Managing your Dollars and Sense
by Dr Mary Tan
Tips on planning your finances, having sufficient to meet your, and your loved ones' needs while saving up for rainy days.
The Secrets to Increasing Customer Retention and RenewalsSocious
Learn how to create a sustainable system for boosting customer retention and renewals.
In this presentation, you’ll learn:
- How to leverage higher engagement
- 6 key elements of B2B customer retention
- Actionable strategies to increase customer retention and renewals
Find out if your business has all of the major symptoms of high customer churn.
Watch the video: http://web.socious.com/secrets-to-increasing-customer-retention-renewals
RFM Segmentation is the easiest and most frequently used form of database segmentation. It is based on three key metrics: Recency, Frequency and Monetary Value of customer activity. RFM is often used with transactional history in e-commerce, but can also work for Social Media interactions, online gaming or discussion boards. Based on calculated segments a marketer can prepare cross-sell, up-sell, retention and reactivation capampaigns. This deck provides a simple introduction to the RFM Segmentation methodology.
Sales Methods And Techniques PowerPoint Presentation SlidesSlideTeam
Grab this professionally designed Sales Methods And Techniques PowerPoint Presentation Slides to train your sales team regarding sales methodology, consumer’s buying behaviour, engagement experience, etc. Assess the pain points of the customers, identify market trends and create an ideal customer profile to pitch your products and services. Incorporate content-ready sales methods and techniques PPT presentation templates to show why your company exists and what are the services or products that you offer. This ready-to-use sales playbook complete presentation is perfect to improve sales effectiveness and productivity. This deck comprises of templates such as our customers, ideal customer profile, value proposition, customer journey mapping, buying/sales process, sales tools, and more. These PPT templates are completely customizable. You can edit the slides as per your requirement. Edit color, text, icon and font size if needed. Download sales playbook complete PowerPoint presentation to identify the weaknesses, leverage the strengths, intensify your profit ratio, and prove business value. Judge correctly due to our Sales Methods And Techniques Powerpoint Presentation Slides. Be able to investigate every inner detail.
Generic presentation on how to establish an Inside Sales (telephone sales) department, including determining team objectives, development of Inside Sales team, adapting marketing messages to Inside Sales delivery, sales call process, and evaluation of both team and individual team members.
Presentation is a sanitized version of one delivered to a specific company; budgets, specific marketing messages, and timeline implementation targets have been removed.
With businesses continuously growing and changing, it can be difficult to keep up with your phone calls. Utilizing inbound call centers can improve workflow, as well as improve customer satisfaction.
Lead Scoring: Aligning Marketing and Sales with Effective Lead Scoring Techniques - Turning Marketing’s leads into Sales’ gold can be a challenge. The inability to generate and identify qualified leads negatively impacts the effectiveness of marketing campaigns, revenue growth, and company success. This presentation explores this challenge and provides information on how to align the expectations of sales and marketing, enabling marketing to deliver a continuous flow of qualified leads to the sales team for maximum ROI. This informative session will teach you how to accelerate the sales cycle through automated lead scoring.
22 really useful customer retention stats from across the web covering customer retention, customer service, customer feedback, customer profitability and more.
This best practices guide will walk you through a variety of best practices, techniques and ideas to both tactically and strategically increase the efficacy, success and impact of your inside sales organization.
Some of the most successful companies have one thing in common – they offer an amazing customer experience. If you’re working on improving your strategy, get inspired by these inspirational customer experience quotes.
If you find this presentation interesting, subscribe to blog.neosperience.com to stay up to date.
Presenting our content ready Customer Relationship Management PowerPoint Presentation Slides. This custom-made PPT slide deck helps you in representing client relationship management for your organization. From introductions to key performance indicators, this comprehensive customer relationship management PowerPoint template deck covers all. Easily elucidate CRM goals, CRM integration, digital marketing integration in CRM, CRM infrastructure, and CRM process. Our CRM system PPT theme includes visually-engaging graphics and diagrams. This makes your presentation more professional. Data visualizations include linear diagrams, hierarchy diagrams, flowcharts, tabular formats, bar graphs, infographics, dashboards, cyclic diagrams, and more. Use our CRM PowerPoint presentation to explain database management, database sales reports, CRM data analysis, and data mining in CRM. Showcase CRM operations like customer retention strategies, marketing campaigns, marketing reach by channels, and marketing roadmap. So hit the download button and get access to CRM KPIs in an engaging format. Our Customer Relationship Management PowerPoint Presentation Slides are topically designed to provide an attractive backdrop to any subject. Use them to look like a presentation pro. https://bit.ly/3kgHKjd
Event @ AICare Hub (30 March) - Manage your time and money as caregiverSingapore Silver Pages
Event: Manage your time and money as caregiver
Date: 30 March 2014
Venue: AICare Hub
Presentation: Managing your Dollars and Sense
by Dr Mary Tan
Tips on planning your finances, having sufficient to meet your, and your loved ones' needs while saving up for rainy days.
PROTECT YOUR FAMILY’S FINANCIAL SECURITY IN TOUGH TIMEScutickfinancial
https://cutickfinancial.com - Financial security is the comfort of knowing your family’s standard of living is secure even when a life-changing event occurs. It is also about having the means to achieve your most important goals, like owning a home or sending your children to college. Many of us are working hard to reach those goals. Some of us may have achieved them. But ongoing economic turmoil has been a rude wake-up call for all of us. We have seen events beyond our control decimate our savings and retirement accounts, knock down the value of our homes and diminish our job security
E-learning Personal Finance Management - with design v2 .pptxakinsumboayomide
Basic financial vocabulary
The goal of financial planning
Tools for financial planning and budgeting
Introduction to savings and investments
Overview of lending products
1. WHAT TO EXPECT
You may want to explore what options you have in getting the most
out of your retirement savings, generally with the intention of making
them last as long as possible. At this point in your life, you might
want to consider downsizing – despite wanting to maintain your
standard of living.
Retirees are likely to have some knowledge and experience about
financial products and probably would have done research around
income products. Old Mutual can offer the right solutions and advice
to help you remain financially independent for years to come.
QUESTIONS TO HELP CUSTOMERS UNDERSTAND THEIR NEEDS
• Have you considered the conversion of your group benefits?
• Do you want to pro-actively plan for the financial costs of frail care?
• When last did you update your estate plan? Do you have sufficient
liquidity in your estate?
• Are you on track with your retirement income? Do you have sufficient
income to cover your monthly budget?
• Are you drawing down on capital every month?
• Will you be be relocating at retirement, and what are the
cost implications?
• Can you afford to continue paying your medical aid?
WHAT TO EXPECT
Single parents often experience some financial difficulty, especially if
you are going from a dual to a single income. You may need to
work very hard to make ends meet. This often means that you’re very
conscious of the importance of securing your finances with a well
structured financial plan.
Depending on your circumstances and previous relationship dynamics,
like many single parents, you may not have had much financial control
in the past and will likely be hungry for information and financial
independence.
QUESTIONS TO HELP CUSTOMERS UNDERSTAND THEIR NEEDS
• Have you amended your stipulation in your will and your beneficiary
nominations?
• If you battle to get by on your salary, imagine your dependants
trying to get by without it?
• Do you need help with your retirement annuity and managing the budget?
• Are you preparing/prepared for the financial costs of education?
• Have you got emergency investments in place for unexpected
opportunities?
WHAT TO EXPECT
As your expenses as a family grow, you may be looking for ways
to make your joint income go further and you’re likely to understand
the importance of protecting it. Reviewing your budget at this time is
particularly important.
Generally, established families have some financial product knowledge
and experience and tend to have a good idea of what they want and
need. A financial adviser can assist you by helping to create a proper
budget, with the aim of identifying opportunities to invest and save for
the future.
QUESTIONS TO HELP CUSTOMERS UNDERSTAND THEIR NEEDS
• If you become non-productive after a disabling event, would your
family be able to retain their standard of living?
• Would you need financial assistance in the event of retrenchment?
• Should any one of your family members pass away or become
disabled, are you financially prepared?
• Are you responsible for your parents?
• Have you had a look at your retirement annuity and are you still on
track to achieving your dreams or goals?
• Do you know what is available to you when your retirement annuity
matures?
• What will the impact be on your pension fund accumulation in the
event of being unable to work?
WHAT TO EXPECT
While you may feel that you are too young to start investing, the
opposite is in fact true. With time on your side, you have a valuable
financial asset at your disposal – compound growth. As you may not
have a stable income, why not consider a product that you can add to
or access whenever it suits you? Even a small investment can do great
things over time.
For most students (excluding of course those who studied it) the world of
personal finance is rather murky territory. Old Mutual understands this
and can offer sound guidance in building your financial future.
QUESTIONS TO HELP CUSTOMERS UNDERSTAND THEIR NEEDS
• Did you know that the earlier you start saving, the better your return
over time and the better your chances are of achieving all your dreams?
• Did you know you can start for as little as R250 a month?
• Have you started to put away money for a future goal or dream?
• If something unforeseen happens, who will cover your debt or
funeral costs?
• If you need to recover after an accident, how will you replace your
income from that part-time job or pay for studies?
• Are you and your parents financially prepared if you, for example,
become disabled after an accident?
WHAT TO EXPECT
Like most married couples, your life and financial circumstances are likely
to continuously change. You may be considering starting a family or
buying a new home to accommodate your new lifestyle.
While you or your spouse may have some experience and knowledge
of financial products, a financial adviser can help guide you through
your changing financial considerations – such as how to deal with
joining your incomes, as well as the financial implications of the
marriage agreement you entered into together.
QUESTIONS TO HELP CUSTOMERS UNDERSTAND THEIR NEEDS
• Will your spouse be financially secure (without your income) if
something were to happen to you?
• Should anything happen to your spouse, will you be covered?
• Have you looked at your retirement goals together?
• Have you considered your will and estate or do you need advice
on this?
• Do you have dreams of a bigger house or another vehicle?
• Are you planning an addition to the family and have you made
a plan financially?
• Have you considered the impact of prolonged hospitalisation or
an extended illness?
For more infomation, contact fromtoday@oldmutual.com
or visit www.fromtoday.com
WORKING PROFESSIONALSTUDENT
NEW PARENTS ESTABLISHED FAMILYSINGLE PARENT
RETIREDEMPTY NESTER
DETOUR DIVORCE
It’s important to have a financial adviser on your side at the divorce
settlement to advise on the outcome of policies that were taken out
during the marriage and regulations around pension funds.
DETOUR DEATH
It’s important to consult a financial adviser in winding up the estate of
a loved one. Their assistance in dealing with the last will could prove
to be invaluable in many circumstances.
DETOUR RETRENCHMENT
Retrenchment is something you never imagined would happen to
you. Income or policy protection can be a lifeline at this point, but it’s
important to speak to a financial adviser to help review your finances
during this difficult time.
WE’RE WITH YOU FROM TODAY.
Together we can find the right financial solution for your specific needs.
MARRIED
Take a look at the map on the back to help you
identify your most appropriate Life Stage.
As a proudly South African company, Old Mutual is
committed to investing in the future of our country through
education initiatives and sporting events, as well as arts
and culture. In addition, we are proud to be involved in
various social investment initiatives that contribute to the
rich cultural tapestry of our nation.
Through the following initiatives, Old Mutual customers
will be privy to an exciting world of lifestyle benefits:
• Old Mutual Music Concerts
• Old Mutual Two Oceans Marathon
• Old Mutual Foundation: Enterprise Development, Skills
Capacity Building, Education, Staff Volunteerism
• Old Mutual Trophy Wine Show
• SmartMAX Education Tools
• Old Mutual International Pairs
At Old Mutual, we believe that life is a journey. Through
every bend and bump in the road, we’ll be by your side,
finding the right solution at the right time. We’re with you,
from today.
Old Mutual is a Licensed Financial Services Provider.
OUR COMMUNITY
LIFESTAGEMAP
The key to finding the right
financial solution at the right time
DETOUR DEBT
Amidst tough economic times, debt is a slippery slope that many
people experience. The good news is that there is a way out.
Debt Solutions is just a phone call away… it’s the first step
to getting back on your feet financially.
Call 0860 666 607 or email solutions@oldmutual.com
“MY DREAM IS TO
SEE MY CHILDREN
QUALIFY AS
MUSICIANS.”
Magauta Mokoena
OLD MUTUAL CUSTOMER
LIFE STAGE: ESTABLISHED
FAMILY
WHAT TO EXPECT
While retirement may be the last thing on your mind, it’s very important to
start saving for it as early as possible. You can also use the time that you
have on your side to take advantage of compound growth and secure
your financial future.
While you may have some knowledge about financial services, it’s
important to seek financial advice, especially if you’re making serious
financial decisions which could affect your future.
QUESTIONS TO HELP CUSTOMERS UNDERSTAND THEIR NEEDS
• Did you know that one of your biggest assets is your income earning
ability? Protect it.
• If something unforeseen happens, who will cover your debt? (vehicle
finance, etc.)
• If you become disabled or suffer a severe illness, do you have sufficient
cover for any expenses that may be incurred during your recovery?
• Would you like financial assistance in the event of retrenchment?
• If you are involved in a motor vehicle accident – and need 3 months to
recover – will you still receive your income?
• If you’re earning a steady income, have you thought about making
provision for your retirement?
• Do you have an investment or savings for a ‘rainy day’ or that
special holiday?
• If you’re planning to buy a house, have you considered saving for
the deposit?
• Have you considered your will and estate or do you need advice
with this?
WHAT TO EXPECT
With the arrival of a baby and the expansion of your family, you are
likely to experience a dramatic shift in your priorities and financial needs.
As a new parent, it’s essential that you understand the importance of
insuring yourself with Life and Disability Cover as well as having a good
medical aid. You should also start saving for your child’s education as
soon as possible (hint: incorporate premium increases that keep pace
with the rising cost of education).
As the realities of being responsible for another life hit home, new
parents are likely to be hungry for information and advice on what to
do. Financial advisers can assist you with dealing with the true financial
implications of having a baby.
QUESTIONS TO HELP CUSTOMERS UNDERSTAND THEIR NEEDS
• Have you made additional provision to ensure your dependants will
maintain their standard of living if your income is jeopardised?
• Have you thought about the cost of education and giving your child
the best start in life?
• Do you want to ‘future-proof’ the payments of your child’s
education plan?
• Does your current will include the nomination of a guardian?
• Are you financially prepared if your child is born with special needs?
• Have you thought about the cost of a family holiday and would you
like to plan for it?
• Have you consided the cost of medical care?
• Do you have an emergency fund?
• Have you consided the impact of a reduced household income
during maternity leave?
WHAT TO EXPECT
At this stage you are going through a period of change and are probably
not only dealing with the challenge of your approaching retirement
but also your concerns about maintaining your lifestyle. If you find yourself
with an emptier home and a little extra cash, it’s the ideal time to consider
increasing your retirement annuity premiums to take advantage of
tax benefits or boosting your discretionary savings.
Most empty nesters are likely to have some degree of knowledge and
experience of financial solutions. Financial advisers can help you find
specific solutions to accommodate your needs, while helping to sustain
your income into later years.
QUESTIONS TO HELP CUSTOMERS UNDERSTAND THEIR NEEDS
• If anything should happen to your child, do you understand the
financial impact on you?
• Do you have any family history of cardiovascular disease or
hereditary illness?
• Have you found that there is a little more cash at the end of the month?
• Have you re-looked your retirement and do you know the options
available to you when your retirement annuity matures?
• Are you responsible for your parents?
• Are you confident that you fully understand the amount of capital
required to retire financially independent?
2. It’s either a time to discover what you love doing or
continue doing what you love. At this stage, you
may have few or no dependants and some extra
cash – enough to start that small investment or
relook your current investments. Whatever your
goals, today is the time to start.
As your life changes, so too do
your financial needs. It’s important to
review your plan often to
accommodate these changes.
DETOURS
ESTABLISHED FAMILY
The kids are growing up, and they never fail to remind you of
how fast life is passing. Finger-painting yesterday, long-division
today. It’s a time when you can dream together as a family –
looking forward to that holiday, getting a puppy or finding
that dream home. And with the right financial plan, there’s
no reason those dreams won’t come true.
WHERE ARE YOU ON THE LIFE STAGE MAP?
MARRIED
Around about now, you might be learning who
you really are and what you really want. This is a
time of late nights and long days. About love and
life, and about money. And with time on your side,
the lesson of compound growth could benefit you
for years to come.
THE STUDENTSTUDENT WORKING PROFESSIONAL
NEW PARENTS
Your priorities shift beyond expectation when you have
little ones. It’s a time of long days, and sometimes longer
nights. A time of laughter and joy, tears and tantrums. A
time when you should cherish each milestone and live in
the moment – but also think about tomorrow’s needs, like
starting that education policy sooner rather than later.
There are never enough hours in the day as a single
parent and you often dream of growing an extra set of
arms just to carry the load. It’s a time when you become
a professional juggler – school, work, play-dates,
meetings and finances – at least you know financial
advice is just a phone call away.
THE YOUNG
PROFESSIONALSINGLE PARENT
EMPTY NESTERRETIRED
It’s a time that’s met with relief and excitement for
some, a time of apprehension for others. A whole
new chapter in your life, retirement requires a big
shift – one that many South Africans are
insufficiently prepared for financially.
Me, Myself and I, becomes You, Us and We. This is a time to
forge a partnership with the person who brings out the best in
you. A time to enjoy the little things in life – because one day
you’ll look back and realise they really were the big things.
Like making a small decision to start an investment together –
you will be amazed at how big the results can be.
DETOUR DIVORCE
It’s a time filled with challenges you never imagined you’d have to deal with,
something you never thought would happen to you. It’s a time when your
emotions run high and morale can be low. Make sure that this doesn’t cloud
your rational mind, as the financial agreements you make now will likely be
for the long term.
DETOUR DEBT
It’s a time that many people go through, but few admit to. High interest rates,
low salary increase. High living expenses, low morale. The spiral continues,
down and down. It’s easy to get into debt, but difficult to get out – unless you
face the challenge head-on and get professional help sooner rather than later.
DETOUR RETRENCHMENT
It’s a time when it’s natural to feel a sense of rejection. You may even start
doubting yourself, and doubting your ability to find a new job. It’s a stressful
time, personally and financially, so make sure you speak to a financial adviser
on moving forward, taking your income limitations into account.
This is your time, to rediscover yourself, your partner,
your hobbies and what really makes you tick. It’s a
time to watch your kids spread their wings and make
you proud. You may be left with more time, more
money and less responsibilities – the perfect time to
shift focus and invest just for yourself, for a change!
DETOUR DEATH
It’s a time filled with sadness, loss and anguish. A time where you wish you
could pinch yourself and wake up from the nightmare. The death of a loved
one can tear a family apart. It’s a time where emotions can cloud your
decisions, so it’s important to involve a financial adviser when dealing with
the last will and testament.
As our lives change, so do our financial needs. By identifying your Life Stage, you can pinpoint the
solutions that will best suit your needs at this specific time of your life. Each Life Stage is matched
with a selection of products on the back of this Life Stage Map. But remember, it’s always best to
get advice from a financial adviser or broker before making any decisions.
WE’RE WITH YOU FROM TODAY
through every stage of your life