Many people make the mistake of seeing their income as a “huge lump sum” instead of proactively allocating their money for the different uses in their lives. Due to the lack of a proper system, the money they earn tends to “disappear” right before their eyes.
I always prescribe the 4-3-2-1 Money Management (MM) in the following proportions:
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1) Financial Overall Planning
Conduct financial fact-find of your concerns and priorities
2) Financial Ratios
Evaluate your financial health through financial ratios and provide recommendations to improve financial standings
3) Insurance Audit
Analyse your existing insurance portfolio through an insurance audit and helping you to maximise insurance premium efficiency
4) Property Review Analyse and provide property investment options based on your profile
5) Investment Review
Review your existing investment portfolio, diversification, performance and account structuring
6) Financial Status
Prepare an essential financial plan which comprises of key financial ratios, analysis of cashflow statement, net worth statement and insurance summary
7) Financial Goal Plan
Prepare an executive summary which highlights your financial concerns and recommendations to achieve goals. Conceptualize financial options and produce financial plan for client's retention