1. Financial planning for the
Sandwich Generation
A personal vision
Donald M Fraser CFP APFS

2. In case you were confused…

3. We could call it the Vice Generation, but…

4. A personal declaration
Just in case I show any bias, you can see where
I’m coming from…
…which seems fair

5. What am I going to talk about tonight that
may remotely engage you?
• Calories and cave dwellers
• Trees
• Television
• The planets
• Happiness
• The human psyche
and stuff like that…

6. Why this is important today
A back to basics approach
Forms strong long term client relationships
Intergenerational family planning
Ideal for working with lawyers/accountants
A target rich environment
Very little ‘investment’ risk
Easy to find and identify

7. Cave dwellers were not fat

8. Bamboo or Oak?

9. The Simpsons, or Friends?

10. Venus or Mars?

11. With thanks to sandwichgeneration.com

12. Happy or sad…?

13. How typical is this family scenario?
Father
Husband Wife Ex Wife
Daughter Girlfriend Son 2 Son 1
Grandson

14. The Golf Club Sandwich
80s
50s to 60s
20s to 30s
0 to 5

15. The Up All Night Club Sandwich
90s
60 to 70
30 to 40
Teens

16. How well equipped are we all?
• Technical (Mars) and emotional (Venus)
• AF1 Tax and Trust Planning
• R05 Financial protection
• STEP certificate or diploma
• ER1 Equity release
• CF8 Long Term Care
• SOLLA

17. Answers Technical Responsive Products
Detailed Solutions Cleverness Right

18. Listening Understanding Clarity Helping
Non
Empathy Compassion Patience
judgmental

19. If not you, then who and if not now, then
when?
There is nobody else ‘out there’ who can offer
what we can, in the style that we do, in a
confidential and non-judgmental manner.
There has never been a better time to focus on
helping a specific sector of our society.
We are on the cusp of exciting times.