Effective financial planning

• Why you need a plan• What does Old Mutual Personal Financial

Advice offer• Who we are• The planning process• The elements of a financial plan

Contents

Why you need a plan

“Financial planning should, simply, be about strategies that create, preserve and grow your wealth based at every point on your needs” – Bruce Cameron

“You are flying blind if you fail to draw up a plan” – Personal Finance

Life stages …

Place mouse cursor over an appropriate stage to view more.

Single and Starting out

Single and established

MarriedFamily Life

Divorced

Deep in Debt

Retrenched

Empty Nest

Bereavement

Retiring comfortably

What does Personal Financial Advice offer?

Quality, goals-based financial adviceThrough holistic financial planning

• Ongoing financial advice– Delivered by a professional financial adviser

• A comprehensive personalised plan for life– Should your circumstances change, your financial

plan will too• Backed by Old Mutual

“It all begins with a plan …A plan for life.”

Who we are

1: Gathering personal and

financial information

The planning process

Understanding you better

STEP 1

1: Gathering personal and

financial information

2: Planning ahead and confirming financial goals

The planning process

Discovering your hopes & dreams

STEP 2

1: Gathering personal and

financial information

2: Planning ahead and confirming financial goals

3: Conducting a comprehensive financial needs

analysis

The planning process

Taking a closer look

STEP 3

1: Gathering personal and

financial information

2: Planning ahead and confirming financial goals

3: Conducting a comprehensive financial needs

analysis

4: Recommending

Solutions

The planning process

The wayforward

STEP 4

1: Gathering personal and

financial information

2: Planning ahead and confirming financial goals

3: Conducting a comprehensive financial needs

analysis

4: Recommending

Solutions

5: Implementing Solutions or

compromises

The planning process

The plan

STEP 5

1: Gathering personal and

financial information

2: Planning ahead and confirming financial goals

3: Conducting a comprehensive financial needs

analysis

4: Recommending

Solutions

5: Implementing Solutions or

compromises

6: Reviewing Solutions and

making changes

STEP 6

Reviewing the journey

The planning process

The elements of a financial plan

GOALS

SOLUTIONS

RISKPLANNING

RETIREMENT PLANNING

INVESTMENT/ SAVINGS PLANNING

Short Term Medium Term Long Term

PRO

TECT

ION

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F W

EALT

H

WEA

LTH

CRE A

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