Learn how to maximise on your financial planning by understanding why things occur, what we need to navigate them and ensure that we take control to achieve our objectives

2. Practical Solutions for
Good Financial Planning

3. What the Objectives are
•The journey from A to B
•Establishing what and when B is
•Taking alternative routes
•Making sure everything’s working correctly

5. Understanding of why things happen
•Cycles of the economy
•Boom and bust
•Why things happen

7. Concerns people have
•Hill of life

9. Concerns people have
•Hill of life
•The unexpected is a certainty

11. Concerns people have
•Hill of life
•The unexpected is a certainty
•Life changes

12. Early Accumulation (20’s and 30’s)
•You may continue your education
•You start working at your first full time job
•Your career is just getting under way
•You might set down roots, get married and
even start a family

13. Mid accumulation (40’s and 50’s)
•Halfway to retirement and need to assess
your success
•You continue to reach your peak in career
and earning income
•Focus shifts from wealth accumulation to
wealth management

14. Pre-retirement (50’s and 60’s)
•Retirement becomes more realistic
•Financial goals change dramatically
•More likely to become more conservative
and cautious when investing
•You start shifting from thinking growth and
accumulation to creating income from your
investments

15. At retirement (65 +)
•That magic date has come
•You have prepared to replace your earned
income with ‘ retirement’ income
•You re-assess your lifestyle and determine
what you want to do with your time
•You’ve worked hard to get here so you want
to make the best of it

16. Post retirement (70’s and beyond)
•You’ll want to ensure that the capital you’ve
accumulated lasts
•Making provision for your beneficiaries
becomes important
•Your ‘ house’ is in order

17. Practical solutions to work to
•Assessing and understanding where you
are now
•Planning and taking action
•Review and monitoring

18. The five steps of financial planning
•Arrange life, critical and illness protection
•Build a rainy day fund
•Pay off debt
•Set up medium/long term financial plans
•Review the position and re-plan regularly