Finding Your Financial Personality: Beginner
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2 Finding Your Financial Personality: Beginner Breakout Session: Dallas 5-7 Roy Nyquist, CPCM, Fellow Past Vice President, SunCoast Chapter Crystal M Glenn, CPCM, Fellow Past President, Tysons Chapter Date July 25, 2015 Time 1:15pm 2:30pm 1
3 Introductions A little about us Tell us about you 2
4 Beginner - Agenda Financial Personality Quiz Results and what it means for you and your chapter Chapter Leadership Chapter Planning Volunteers 3
5 Financial Personality Quiz (source: Allianz Life Insurance Company) Add Points for Each Question Strongly agree: 5 points Somewhat agree: 4 points Neutral: 3 points Somewhat disagree: 2 points Strongly disagree: 1 point 4
6 Quiz Questions (1 of 2) 1. In terms of my finances, I feel fully prepared for retirement 2. I am 100% certain that my sources of income will last my entire lifetime 3. The idea of providing for myself and my family in retirement is not overwhelming 4. I feel confident that I will be able to retire and I know approximately when that will be 5
7 Quiz Questions (2 of 2) I will be able to maintain my desired lifestyle in retirement I am comfortable paying my bills, and am planning for retirement I am comfortable taking some financial risks because I can afford to Quiz Complete! Add up responses 6
8 Allianz Quiz Results Savvy: points Iconic: points Resilient: points Distracted: points Overwhelmed: 8 10 points 7
9 Financial personality descriptions (1 of 3) Overwhelmed: (32%) unprepared for retirement. Expect to have to reduce living expenses in retirement and live in survival mode financially Distracted: (7%) seen net worth drop significantly. Baby boomers that have not changed retirement plans or reevaluated overall financial strategy. Worried that savings will not be adequate but don t have a plan. 8
10 Financial personality descriptions (2 of 3) Resilient: (27%) take charge attitude. Basic retirement strategy, planning on investing, working longer or supplementing Social Security with other form of income. Understands the need for retirement strategy but may be concerned about outliving income. 9
11 Financial personality descriptions (3 of 3) Iconic: (20%) confident that income will last through retirement. Feel prepared for future but may have to reduce some spending in retirement. Believe in the American Dream and optimistic about the future. Savvy: (14%) living comfortably in retirement or will be. Financially independent, comfortable taking risks and confident income will last throughout lives 10
12 Financial Personality Discussion How does this relate to your chapter? How will knowing your financial personality help financial stability of chapter? Source: ancialpersonalityquest.pdf 11
13 Chapter Leadership Personalities within chapter leadership Who makes financial decisions for chapter? Approval of budget or purchases 12
14 Chapter Planning What is Focus of Chapter? Strategic Planning/Meeting at beginning of program year Create budget plan the year Financial reviews on monthly basis Flexibility what can we afford? Lessons Learned 13
15 Volunteers Volunteers are NOT employees value their time Dependable and accountable? Keeping volunteers and knowledge transfer important Letting go of volunteers 14
16 Financially Lead your chapter to success! Utilize budgets and track spending against them; NCMA national provides Quicken every 3-4 years for free upon request Minimize use of credit cards Require approvals for purchases 15
17 Questions 16
18 Finding Your Financial Personality: Intermediate Breakout Session: Dallas 5-7 Roy Nyquist, CPCM, Fellow Past Vice President, Suncoast Chapter Crystal M Glenn, CPCM, Fellow Past President, Tysons Chapter Date July 25, 2015 Time: 2:30pm 3:45pm 17
19 Introductions A little about us Tell us about you 18
20 Intermediate - Agenda Financial Personality Quiz Results and what it means for you and your chapter Chapter Leadership Chapter Planning Lead your Chapter to financial success! 19
21 Financial Personality Quiz (source: Allianz Life Insurance Company) Add Points for Each Question Strongly agree: 5 points Somewhat agree: 4 points Neutral: 3 points Somewhat disagree: 2 points Strongly disagree: 1 point 20
22 Quiz Questions (1 of 2) 1. In terms of my finances, I feel fully prepared for retirement 2. I am 100% certain that my sources of income will last my entire lifetime 3. The idea of providing for myself and my family in retirement is not overwhelming 4. I feel confident that I will be able to retire and I know approximately when that will be 21
23 Quiz Questions (2 of 2) I will be able to maintain my desired lifestyle in retirement I am comfortable paying my bills, and am planning for retirement I am comfortable taking some financial risks because I can afford to Quiz Complete! Add up responses 22
24 Allianz Quiz Results Savvy: points Iconic: points Resilient: points Distracted: points Overwhelmed: 8 10 points 23
25 Financial personality descriptions (1 of 3) Overwhelmed: (32%) unprepared for retirement. Expect to have to reduce living expenses in retirement and live in survival mode financially Distracted: (7%) seen net worth drop significantly. Baby boomers that have not changed retirement plans or reevaluated overall financial strategy. Worried that savings will not be adequate but don t have a plan. 24
26 Financial personality descriptions (2 of 3) Resilient: (27%) take charge attitude. Basic retirement strategy, planning on investing, working longer or supplementing Social Security with other form of income. Understands the need for retirement strategy but may be concerned about outliving income. 25
27 Financial personality descriptions (3 of 3) Iconic: (20%) confident that income will last through retirement. Feel prepared for future but may have to reduce some spending in retirement. Believe in the American Dream and optimistic about the future. Savvy: (14%) living comfortably in retirement or will be. Financially independent, comfortable taking risks and confident income will last throughout lives 26
28 Financial Personality Discussion How does this relate to your chapter? How will knowing your financial personality help financial stability of chapter? Source: ancialpersonalityquest.pdf 27
29 Chapter Leadership Personalities within chapter leadership Who makes financial decisions for chapter? Approval of budget or purchases Fund Raising Participation in NCMA events Outreach 28
30 Chapter Planning What is Focus of Chapter? Strategic Planning/Meeting at beginning of program year Create budget plan the year Financial reviews on monthly basis Flexibility what can we afford? Lessons Learned 29
31 Volunteers Volunteers are NOT employees value their time Dependable and accountable? Keeping volunteers and knowledge transfer important Letting go of volunteers 30
32 Financially Lead your chapter to success! Utilize budgets and track spending against them; NCMA national provides Quicken every 3-4 years for free upon request Minimize use of credit cards Require approvals for purchases 31
33 Questions 32
34 Finding Your Financial Personality: Advanced Breakout Session: Dallas 5-7 Roy Nyquist, CPCM, Fellow Past Vice President, Suncoast Chapter Crystal M Glenn, CPCM, Fellow Past President, Tysons Chapter Date July 25, 2015 Time 5:00 6:15pm 33
35 Introductions A little about us Tell us about you 34
36 Advanced - Agenda Financial Personality Quiz Results and what it means for you and your chapter Chapter Leadership Chapter Planning Lead your Chapter to financial success! 35
37 Financial Personality Quiz (source: Allianz Life Insurance Company) Add Points for Each Question Strongly agree: 5 points Somewhat agree: 4 points Neutral: 3 points Somewhat disagree: 2 points Strongly disagree: 1 point 36
38 Quiz Questions (1 of 2) 1. In terms of my finances, I feel fully prepared for retirement 2. I am 100% certain that my sources of income will last my entire lifetime 3. The idea of providing for myself and my family in retirement is not overwhelming 4. I feel confident that I will be able to retire and I know approximately when that will be 37
39 Quiz Questions (2 of 2) I will be able to maintain my desired lifestyle in retirement I am comfortable paying my bills, and am planning for retirement I am comfortable taking some financial risks because I can afford to Quiz Complete! Add up responses 38
40 Allianz Quiz Results Savvy: points Iconic: points Resilient: points Distracted: points Overwhelmed: 8 10 points 39
41 Financial personality descriptions (1 of 3) Overwhelmed: (32%) unprepared for retirement. Expect to have to reduce living expenses in retirement and live in survival mode financially Distracted: (7%) seen net worth drop significantly. Baby boomers that have not changed retirement plans or reevaluated overall financial strategy. Worried that savings will not be adequate but don t have a plan. 40
42 Financial personality descriptions (2 of 3) Resilient: (27%) take charge attitude. Basic retirement strategy, planning on investing, working longer or supplementing Social Security with other form of income. Understands the need for retirement strategy but may be concerned about outliving income. 41
43 Financial personality descriptions (3 of 3) Iconic: (20%) confident that income will last through retirement. Feel prepared for future but may have to reduce some spending in retirement. Believe in the American Dream and optimistic about the future. Savvy: (14%) living comfortably in retirement or will be. Financially independent, comfortable taking risks and confident income will last throughout lives 42
44 Financial Personality Discussion How does this relate to your chapter? How will knowing your financial personality help financial stability of chapter? Source: ancialpersonalityquest.pdf 43
45 Chapter Leadership Personalities within chapter leadership Who makes financial decisions for chapter? Approval of budget or purchases Fund Raising Participation in NCMA events Outreach 44
46 Chapter Planning What is Focus of Chapter? Strategic Planning/Meeting at beginning of program year Create budget plan the year Financial reviews on monthly basis Flexibility what can we afford? Lessons Learned 45
47 Volunteers Volunteers are NOT employees value their time Dependable and accountable? Keeping volunteers and knowledge transfer important Letting go of volunteers 46
48 Financially Lead your chapter to success! Utilize budgets and track spending against them; NCMA national provides Quicken every 3-4 years for free upon request Minimize use of credit cards Require approvals for purchases Outreach and CMLDP sponsorship 47
49 Questions 48
50 Additional resources what-is-your-financial-personality spx 49
51 Forbes 5 personality traits that lose you money (1 of 2) The Overwhelmed largest segment with the lowest income and education level. One-third affected by job loss High credit card debt The Distracted Majority in late 40s or early 50s Highest income and live in the more expensive homes Live in the present 50
52 Forbes 5 personality traits that lose you money (2 of 2) Risk-takers Competitive investors trying to beat the stock market Wood-knockers Think about the unexpected but rely on hope The Overconfident Plan B-er 51
53 Bailard, Biehl and Kaiser five-way model Individualist confident and careful Adventurer only big bets, take risks Celebrities swayed by trend Guardians anxious and careful Straight arrows extreme carefulness 52
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