Hedeflerinize ulaşın
Hedeflerinize ulaşabilmeniz için paranızı koruyan ve tasarruf eden bir plan tasarlayın.
Finansal planlama sadece para kazanmakla kalmaz, aynı zamanda hedeflerinize ulaşmak için yeni fırsatlar yaratmakla da ilgilidir.
Finansal planlamanın amacı, tasarruflarınızı ve yatırımlarınızı yönetmekten daha fazlasıdır. Gelecekte olabildiğince iyi bir yaşam tarzı planlamanıza yardımcı olmakla ilgilidir. Çok çalışıyorsunuz, neden paranızın sizin kadar sıkı çalıştığından emin olmuyorsunuz?
Bir finansal planlayıcı, neyi başarmak istediğinize karar vermenize yardımcı olacak ve hedeflerinize ulaşmanıza yardımcı olacak stratejiler belirleyecek finansal koçunuzdur.
Hedeflerinize ulaşabilmeniz için paranızı koruyan ve tasarruf eden bir plan tasarlayın.
Zenginliğinizi büyütün ve koruyun ve geleceği güvenle bekliyoruz.
Çalışma özgürlüğüne ulaşmak zorundasınız çünkü yapmak zorunda olduğunuz için değil, istediğiniz gibi.
Ev kredinizi ve diğer borçlanmalarınızı daha hızlı ödeyin - ve borcun sizin için çalışmasını sağlayın, aksi halde değil.
Çocuklarınıza hayata mümkün olan en iyi başlangıcı verebildiğinizden emin olun.
Vergi ödemelerini azaltmak için yasal stratejiler kullanın.
Hazır olduğunuzda emekli olun ve dört gözle beklemeye değer bir emeklilik yaşam tarzının tadını çıkarın.
Emeklilik fırsatlarınızdan nasıl en iyi şekilde yararlanabileceğinizi öğrenin.
Finansal danışmanlık hayatın her aşamasında büyük bir fark yaratabilir.
Hayatta hangi aşamada olursanız olun, hedefleriniz ve hedefleriniz için planlama yapmaya ve sahip olduklarınızı veya gelecekte ne olabileceğinizi korumaya başlamak için asla çok erken veya çok geç değildir.
Finansal Plan Stratejik danışmanları, değişen yaşam aşamaları boyunca müşterileri desteklemektedir.
Entering the work force is usually the first step toward financial independence. It is also the best time to develop sound financial habits by preparing a budget, establishing a saving pattern, setting financial goals, and following a wise borrowing strategy.
Young adults face the task of learning how to manage spending and saving within the constraints of their income levels. Here are some approaches to consider:
The ages of 25 to 35 are considered to be the typical asset building phase, characterised by:
As most people spend the majority of this time working, now is the time to realise your lifestyle goals (such as buying your first home, saving for your children's education, and saving for retirement). Meeting these goals will involve balancing between living for today and meeting tomorrow's needs. Although this is one of the greatest challenges of the asset building phase, we need to remind ourselves that income for our retirement and later life funding comes from early investing activities or cash savings.
Risk protection at this stage is also vital. This can be achieved by purchasing an adequate mix of personal insurance that will cover Life, Total Disablement, Trauma & Income Protection insurance.
Financial planning, wealth protection, savings, investing, asset allocation and diversification strategies should be developed early — with the help of a professional — to make sure you are on target to meet your future goals as you move towards your next major phase of life.
The Wealth Generation stage generally occurs when your income is rising. However, nicer homes, nicer cars and children can easily consume your increasing income.
This is the time when the financial decisions you make will have the greatest impact on the financial lifestyle you will enjoy during retirement. By now, you should have accrued savings, as well as the expertise to make sound choices such as:
The opportunities to help increase your nest egg, come with a host of complexities. This makes good financial planning essential.
Retirement planning is an incredibly important step in everyone's life, regardless of age or profession. After all, everyone wants to live comfortably and enjoy themselves in retirement. So, it is essential to begin preparing and planning for retirement as early on as possible.
Statistics show you will probably spend at least 20 years in retirement — hopefully many more. So it's important to develop an appropriate plan to ensure that the dividends of your hard work last throughout your retirement years.
With most of your income earnings years behind you, it is critical that you protect and preserve everything that you invested your entire life to earn and accumulate. You need to protect what you can't afford to lose and develop predictable and tax efficient income strategies that will continue on long after you are no longer able to work.
The amount of money that is required for your retirement is highly personal and will depend of factors such as individual current lifestyles, general state of health, retirement assets, risk profile and the tax efficiency of investments.
Estate planning, although important at all stages of life, is especially vital during the transition to retirement phase and actual retirement phases. In simple terms, estate planning means having your affairs in order, enabling your family and loved ones to make decisions on your behalf upon your death or in the event of mental incapacity.
Retirement is something you should be looking forward to — not worrying about!
These years can and should be some of the most enjoyable and fulfilling times of your life. The freedom to live the retirement lifestyle of choice, and a sense of satisfaction with what you have accomplished, can make your golden years truly enjoyable. However, there are still financial issues that should be considered such as:
Thorough retirement planning, and successful execution of that planning, helps facilitate an enjoyable retirement.
No matter what stage of your financial life your are in, we can help you make the most of what you have!