Fiaancfot Planning and Tax Management _ @®
Frnanciat Planning *~ Definition
Yr financial planning fs tor procs of estimating the
QR cwopikl ree ujred and del & mining. THs Comp ekikien,
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vo
pete ete proces of framing finonciak poticiu Po
y relation, phocurement , PnvesLment — and adrajnisfratien
s of funds of an enter prise.
¥ Financial planning , clio llid budgeting + is Ha phoau
ee
S of Set king performance gos and Orpen zing
sys fem po achive Hue pt fo fee fective.
€ Planning fs fee process of develo ping--
business Sfnake gies And vision for the eture]-
The_financiak Planning activity, Jolleesing. toaks $—
L- Confinm the beuiness vision and objective.
2. Assess PAL bus ners environment
business ©
3. Tanti{y He typy_of Pee needed fo oehitve
phys bye
a
enti ect ve:
talectate tre tefl lest of tach by pe of Huouredd-
S. Quantity the amount >} Puy ourey (iabquns eager
moter
6. Identify °F ticks and r'ssuus Borth the budget set-
- 2. - eer eee wwwewewne
Y- Summarire the Cosf fo creote a budget
——— "Need of financial Plannin
Olf peed ty Managing. Debt
Dtwatle Ripa finandal product
© See smpar finaniel Goals.
, __e
@ Managing cosh flow or budgeting + shove RE, aaa
OD. see ter wep he essee attecotion CU ep shen 7 ean)
©. Coletti ng the hig hk fosuranc cover
@ A bhut print of bong - farm go:
@) A wlar Saving habst- ( PART fnandal plannin
Onn a wert G1). e
Process ef financial plonning
Skpind Defining and ag reeing your financial objective
ond goal. (qe objective fix pie)
Sipe Gathering your inaniel ond Persons fnfor-
Spi 9 Anoly xn your finances ol and personel
Thfor mom, .
SEPEE Develspment and _prutnkakin of bee
‘ finanael plan.
Spr © Emplementatim and nevieo of He finan dad
Pn. donner @
fs (HH ent rofess tonal
inandal planner fs a qualipred fru tm P
shi helps Fn dividecl ond Coorporetie ns meee ftetr
pong ~ term Pinon al obsestive
(A financial plinner's primary pole i fo asish
Cents vofth creating porsonat bud
jrophereeoket hy eee
ond aecuroutating.
or ma haying erpens a and
ne consanie sfeps ee Creaking
woealth.)
(abet saga pop 8 siTT financial objeetie
meet ap ir)! arse 3, RIC FE
Servia Pnducdry z/.
Tepy_4 nance ad visohs (arb frandeladuier
Povapmet— qdyjor
2. Lovatment pup sus tntotived rte),
2. tnvatmert advjsor
3+ Mutual fund advisor
Y- Personal banker —(biagetig)
So bynanciel — planner
6. Tnsarance advisor
JY. Cuspomer Sere Muths about Financed Plonoio
@ Financiek planning fs all obout pect Puma ot
Planning .
@ A financed advisor wit pale jo fenm beyond
my Un dinsfon Ying
O To goung for financial plonning-
D Prnoncial p Lanning is onky few bith
© oeesn't heed a finenucl Pp kvoning
© Vong busy. ho Hme fer Hebe
@ Finandal planning Pot ont Hime ereneyse
Coltons thet inficunce that foplune fet
persone inandal planarn
a in oy Tncome,
® Solvency and Liqutds tg (ae a pequrttE)
© Economy (nation economy Fy ae
aap at. RE BoP TR
@ Finanal % 780) trons Hr aT : Inve fon Life cy cle a0 oka SE
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Poe taper ere compornd at
af Ge riddle fo Hair Cayrer
Freeumulaon phares— Toveitor ear
——see tHe ca Airs fund Se thet
fndividyal can have monte Spend 70 fruie later Phe
et tie Life some pesphe cca eck te fund § bug hows
tar ofntr things. Hr phoie mid peivl + fea @rrfer Char oDrapr
£ 1e,1e ere riet reeesy a kind CH TT BET
do at QE EL ty He fen
Consolidation Phue '~ Constiteen phere ft tae mid pore
of the career, Pr phic Phase, They exre mors, spends
mere and Pay fy ott -posir BP aebs-
Spending Phase! ( Refi re ment Hee). This phase S font
uden an individual vulirey from fre 706 o fn Heir
' No titk (s4tk-g ree J- fived. income sec tH
hiew, bond, debenture
| Gifting Pheasti— Lf individyat beujeve thet prop
hove enouph extra fund te meet tir Current and
fete epee ( Ufebtish tharitable fruit) -
nae a
CUE! BR ye 2 Le
~-- oe eee ree ewrwweewe ec
oH Envut fo achieve Focome and gherth
6 Loval PF aehieve biph greoth
tH Invut jee greet:
Financial gous ef hues tors 4
‘
financtal gout types ‘
‘
; Tony Frm) 0
Mid fom mort Than [open ) 4
Cesttetnd year) (Ryn) 4
4
«
Le long - ten gots fajfos fo prozels on pinaodot ‘
goals thet need funding sfive or more 4
@
art vo +
year from no ‘
«
2+ Enpenmediate- term goals refer to finondel pools {
tant need Zunding froo or fie yeas from now. :
¢
3. Shehf- ferm goes Deed Funding kus than toe xs
from now. a em «
; ‘
aA Trvet to achieve income. feneht |
eH Tavad te meiojain Cepite- pe ae {
cede $a
\ Risk Ape cite Ys Risk lopatity “Ie Risk Jo duane
~ ator =
Risk Risk
S Appetite Cepaci by. u
: a Mth ta
% (rer mea en Dens Limits oF
& teillingness to feke AbiLity fe ke . boundries of the
yt Pele, ithe.
> :
voit depend on 07 Dovnside Fisk
wy Aset class and “person al factor folrunw 157
Tavgdimeut pteodect Bike age, Poone .
> ; P a Bee
B hulk iE. veld, tke.
—
Syste matic cppreach fo fave ting = SIP, seap, ST
SIP i— Sys tematic Pn vegdemecr€ Phan.
SEE 970 me Ber Ere sha ee ay pte hye Sree
or no) aa orm atc ure Loo ter ETH
uc oot mea ara atte fired dake WET
a. BIE matuet find A NAY uted €].
4A Syste matic in vatment phan (sie) Poa plantfo Lohr)
InvU fors meke nyular, ep cok payments “Prk oq
met ol qund, frading Geeowtl | or pbire menk
accounts, 8); allows Invufer fo Save preg cla ly
wlth a Smalkr amoywt +4 monty. ; “ r oo
S wp i— Systematic voithdrawel Phan,
Soop % atu ye er ee Ber Sp
Se a swap Retire Te oTeaT | (cosh buck polity 7
A Systemolic withdral Plan allows an Pnves fox fe
Lofthd revit AD amount from tu’ Proves Fron
porfodically . ;
Swp allows ee to Withdraw «a sped fe
sum ef moy from a quod ot peg ular
Fofervell -
(yond mes :
STP i Syste matte Tranifer Phan.
sre ae tear ETE AR aT gh matte BFE
equity fr dub} &—
equily — Tey.
dst — lo (Fd, RO)
BSC THY Wy i
Go : 20
‘fo ! 30
amd equity wr eb Bauer AT
didaat Br ey vity HF & emma A bow Fe niga ME
ar bib F lows suk we & one &/
ear geo Per erat A oth BE young ope FT
ratte Fon Seam fou Lat .
atte of Rile high Fat eqeity me Invest TE]
wT old th omer wr hoe syutk “TTR AT
equity <> pset pros fer Te wear 7 be Ey Tranifen plan (STA) Ps a Sfrotegy vonent si
Sete’ ae Q ped amount A money
aha Sourn fehine fe Target Shims ‘
Frnancial Phan and Gol based financial phan
Finance p Lanning Ps QSRD~ by Sep apprcorch fo meet
cones Life youl A finendat plans acts 04 Bare
ob yeu ge Prough Sips Journey. Eveetrolty
Gaiepa ree eo vs _fosomes yng
and _invutmeh Se that Yeu con manage yrur Morniy
and achreve yeur pos
eof BHT pingodiek planning Bl aeeh gee cit tT
geck , ear sear #7
SoH teed TRE
Enjeg a betten Sfandard of Lviog
Tncrnase your savings
Attain peau of mind
Be prspared ke emerging ss
Com px hensive Frnandotl Phan
Gr plan ot EH A for benefits Fore]
an Pim agreenert, healt insavane Fr],
Eady fo Undinspend, flee biLity, penalty 7G FAH
aa Fae |
° Tax Planning
. Reaching pour goals
° Your Asse. Hith rulra),
@8906 r
cera oh PAL
Te Com brio hensive manuel plan Involve $—
© Undinstand'ng of your hong feron, financial
a s
itvoti
® current finandol eecordsng. ey.
a
® m develop ment ofa pho Focke ding alk
finoncjak Plreoducle peeded to face #4
When yoy gr fo duty be whew You need fo be
Fr Bee fetes tina isl eton (abhic)
anak <5 :
otter
Finanefal Blood Tuk Report
THis a Solvency cond) E107
uty ott crt Rent So Peer eo
eet) A down cepicity PAO PS Roa
hoon FT HIE PP Unley, F fateh, WANA.
BEAR aco ding om BE hom Pray OTT E.
In, aco unting- i) Finanael condstima Ptport (FcR)
fsq Superf on the Solvency cond’ Hm es a5
fnsyranee Company poet teKY font qecount™ hott,
the Current financial S fates. 08 rf lbed in toe
balone chee and an asedmenl” 64 fle abs Lity of the compang.
Fysh Scenarios.
po Syrvive feta ¥ ndal blood tab Hepe
COIL Score fy q three- dipit numove Summary
ur chtd'P hjspory. Tae Store is derived ding Tee
cdf history found in fre e/@ie Reporte ( ale
Known eh CR ine _Crudy't in fosrootion Repork ) Finan
fn an Pol Planning and Tae managerner
gpork Ase O71
ge lwhet de you mean by. 4 finangek blood fest tuporty
faite The financiek blood fesf pspont ¢ heavy caf you~
2e_y asssebt, pbayed on Huir » Liquidity i Po
boty - He market and fie mind
db“ Financial planning fs nof Same %& Fo valent”
Explain »
CUD chat
poe overall sprokega-
wohihe anves price fea
wealth
EP aqncial planning is
fo manage money,
Cpecifie actin fe greets
Qe Lohat Ps SIP 2 Lohat ore fe benefits 2
fas— Cystermatre Poveatment phan Py rouctuek fund
alow invyfos to inveat @ freed cum of
money pviodicaly fn matet funds .
Benefits i—
Gy Disiptine inva Hg-
Gi Ad fe vdab le
UY fever ef mpounding se
7 Qd t= What fs isk oppetite?
l ef saisk aN 08 FAM ration
sR appetite fs fe amos
| fet uo Ca as vojtling tree fe Uhjtve
tary geod:
Ge t Wheat do you mean by fravadiol phoning
bag i frnancieal planning ps pee proud of and ying
Sipucdion Nd
finan tok ye
jer eqrvent pinangel
creating & plan fe gegeh vat
Api Explain fee Heimy Solveny on Mpwuty
AS Solvency ¢ = Solvency vu fea company's
obi bity fe mn kong. term dbp
and Conftinut spenattn fare pee
foto ‘
liguidity 3 COLL Belew fer[st, car
CREB
A company obi hihy fo meet PK
| Short ~ferm financial obkigations eh
| ot paying ik bi and debe, Pe oe
d ontop? Various Sebs fpyofued in finandok \
i Thi eps Favokued fn finondol plannin weit
“Th getting good ( Define Pe Maa og Gacning »
ey gathering ine remation (patrons oe pur
Tdintify Ong chalingd P4
sit) Ldentifi¢ing
id de fying. challngss ¢ rig fuel 'and por mnibieg
you can fete advonhy)
# nareed
ty Develop ov pian
(Wy Imp Umert He phan ( pot phn ints actien)
WY Menitoring and Heviewirg- ( Rigelorls pees pr peg khotet ani X
(a) Cassidy te agseds on the hoy/s 4 th OM ertbi hin,
PA Tae cate fon'ey !~
Uy Corrrest agels f= basi ty convoitb he nh Cah
no Loithin Ont Gears
tg- Cub, investoy-
Ci) Nen- Cerrend- assets é= Hof cori by convertibk info
| cu & need for Long from
yes
S4> land, bes kaing, mechivw
| Lohat do re mean by diversification of assed 7
he iF is Pmpestaue-o
Argim % Diversification fs the Spruads'n of ur
(nvUFeent be th among and ‘voith'n different
assed chassy
K THis fmporfiet becawe PH dudee your
chon oy Cepemenaing harps Lossy
© Lohy a plon der suhiremuiat fe needed by an
inves for 9
Arui— Rutrremied plant provide yu volth Phe pag ubory
aa Payments qou need to fal fil your
frrongek Vee. pohat de you mean by subire mot planing)
@ . ;
ot? Retire ment phanaing is Poa pren ous ef tn akyn
ie diusim and creating a pian fo achieve
your Pacom geal bipere SH ve reset
wy Erploia the farm ‘puverue mortpy 7
\ . allow home
oe Joan phot fealty
Ay A type + tt on okdin fo bore
eroned oe 62 apple q home .
agains t fee agai ty in Het
dy Enlist H+ vanoes post qubirerenl jnvut
Schems 2
Are Wy Axed dposit
ww patel find
(i Hootth insurane
vy pond long.
Q- What osu phe Yardoud go ten puke of Pelt re naane-
Planning 2
) Anim ye 1— (Start Prva tag et ear os possible
AIMED Uy Sport ear by (short Fou se ter ar
Ui plan bong form —(wnsider long term ines treet. Phy
Like radi reset attounrt
) fe ensure a Sus foinable
incom]
Ui) inva Peg onaly — (Seve dug condi 1 even daring bad
Hima', te beshd. & heeltg
nuf-yy-
UY Tocris income Ww
w Manage money
ye vohat is asset allecstion 2 whet o Various ase
allo co sprateges
. ° ' uke
Ie ef alloca fs an jove iment fr ra
a ee involvy dividing jnvy pret pertpde
aqmeng differ asst clas y fe paudul
push,
various eset atlocebion Spey! OA
WD sprakqy oes alto cotim
Wo Dy namic ast qble colt 07
iy Pnsured 0%
