Financial Planning Cycle
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2 Financial Planning Cycle 1. Gather Data 6. Review financial plan 2. Identify goals 5. Implement financial plan 3. Identify financial issues 4. Prepare financial plan Source: Financial Planning Association of Australia
3 FINANCIAL BUILDING BLOCKS Social Legacy Gifts Gifts to to Charity Charity or Family Family Legacy Estate Liquidity Education Funding Business Continuity Financial independence Income Protection Medical Care Planning Disability Income Protection Retirement Income planning
4 Components of a Financial Analysis 1. Your Networth - Considers your Assets and liabilities 2. Your Cashflow - Considers your Income and Expenses 3. Risk - What is the impact of Disability, Critical Illness and Death to your spouse and family? 4. Education Plan - What amount is required for a child s tertiery education and how does one achieve this? 5. Retirement Plan - What income is required to provide your desired retirement lifestyle?
5 Components of a Financial Analysis Calculating Networth 1. Consider total Assets - Cash/Near Cash - Invested Assets - Personal Use Assets 2. Consider total Liabilities - Current Short Term Liabilities - Long Term Liabilities TOTAL ASSETS TOTAL LIABILITIES = NETWORTH
6 Components of a Financial Analysis Calculating Cashflow 1. Consider total Income - Salary - Bonus - CPF 2. Consider total Expenses - Family, utilities, children - Taxes, loans etc TOTAL INCOME TOTAL EXPENSES = CASHFLOW
7 Outline of Financial Plan Money Needs in the Event of Death/TPD Education Planning for children Accumulating a Retirement Fund Providing for Medical and Long Term Care Estate & Legacy Planning Business Planning Making a Will
8 Fundamental references on the Financial Calculator 1. PV - Present Value 2. PMT - Regular payments 3. INT - Interest 4. N - Time 5. FV - Future Value
9 Risks to consider as one approaches retirement Medical Expenses Hospitalisation and Critical Illness Retirement Income Disability Income Long Term Care Income for Dependents
10 Calculating Your Life Insurance Needs Current and Future Financial Obligations _ Personal, spouse earnings, savings, investments, CPF, life insurance already owned = Life Insurance Needed
11 Basic Insurance Coverage Provided Under CPF DPS Dependent Protection Scheme Medishield Medical Insurance for Hospitalisation and Surgical Needs Eldershield Provides for Long Term Care Benefits
12 Types of Insurance to consider Medical Insurance - Have you upgraded your Medishield coverage? Long Term Care Insurance - Do you have Eldershield? Have you upgraded your Eldershield coverage? Critical Illness Insurance - Provides payout upon diagnosis of a critical Illness Accident Insurance - Provides payout upon Accidental Death, Disability or Dismemberment
13 Some Terminologies Term Insurance - Protection only for a fixed time period. No cash accumulation. Permanent Insurance - Combination of Protection and Cash Accumulation for a fixed time period or whole of life
14 THE LEVERAGE OF LIFE INSURANCE TODAY 1 Annual Premium (Capital Transfer) YOU Cash Value Reflected as an Asset 2 3 Insurance Company Upon Diagnosis of Major Illness Tax Free Lump Sum for Medical 4 Your Retirement Income Your Golden Years 5 If You Die Prior to Retirement Income Tax-Free Death Benefit to Family and for Estate Taxes
15 INVESTMENT & INSURANCE STRATEGY These are the ground rules for building a firm foundation for your family s financial future. SPEC. GROWTH SAVINGS PROTECTION RULE I. Protect first that which you can least afford to lose your potential earning power. RULE II. Always have a cash cushion to fall back on for emergencies and opportunities. RULE III. Save as much as you can starting as soon as you can. RULE IV. Diversify. The best investment is the one that provides you with the most money when you need it the most.
16 Options for Retirement Income Savings Annuities Investments consider Time Horizon, Risk Tolerance and Inflation Passive Income eg rentals etc
17 The Longer You Wait.. $1M Start Year 1 Delay till Year 10 Year 20.. THE STEEPER THE CLIMB!
18 Think Long Term
19 Questions & Answers
20 THANK YOU
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