Financial Planning is for Everyone

There is no "one size fits all' when it comes to financial planning. How you grow your wealth today may be different from how your peers invest in theirs. But how early should you really begin your financial planning? Today is a good start. Enjoy debt-free living, grow your true wealth, and retire early when you start your strategic journey to financial security today.


Enterprises operate efficiently and effectivly because of the interactions of processes, people and software. The owners would mostly focus on profitability sales, growth, expansion, customer delight and cutting expenses.

Risk Management

As reality will prove, no matter how solid the businesses plans are for the year, the businesses face sudden interruptions because of natural causes like calamities, sicknesses, and economic cycles. Thus, it is vital to cushion the businesses from the economic impact of these interruptions.

Growth Plans

Having a vision for ones enterprise is the driving force for the enterpreneur to keep on working hard and expanding. Exit strategies are less likely being considered as part of the business plan because enterprises are believed to be legacies to the next generation. The retirement of the enterpreneur and the exit strategy for the enterprise can be planned so as to allow resources to be maximized and allocated properly.

Human Resources

By setting up employee and management benefits, you are investing in resources that can help your business grow and be sustainable. Talk to us when you want to revisit your risk management, growth plans and employee benefits.

Family life is an adventure all its own. However, it can sometimes feel like living from one major expense to the next. If it’s not the groceries, it’s the children’s education, or repairs, or the bills that never stop coming. How can a family cope or even rise above this nonstop stream of expenses?

Often it comes down to making sound financial decisions, decisions made after proper financial planning. Couples may need guidance and coaching to steer their future in the right direction. Even high-income earning families will benefit from creating a financial plan; after all, making money is just the tip of the iceberg when it comes to handling one’s finances.

  “A breadwinner is the primary or sole income earner in a household. Breadwinners, by contributing the largest portion of household income, generally cover most household expenses and financially support their dependents.” – Investopedia

Breadwinner is usually the head of the family, father, mother or the eldest child. A term used for single income families in which one member works and the other takes care of the dependents.

Life insurance for breadwinners is a must. Since they are the sole income earner, should something happen to them, either severe sickness or even death. The whole family will be experience physical loss and income loss. While the family is grieving, reality bites, as they have to cope with everyday expenses. Relatives and friends may help but it is not guaranteed and asking for help may be one painful experience.

If you really love your family, as breadwinner, you must protect them with life insurance for them to continue the life you worked hard for when you are present with them. Their dreams must continue, house to live in, good education for the children and life with financial freedom.

For young professionals, the world is just opening up! Out of the confines of school and into the “real world”, it’s time to make their mark on society – and make money, too. But earning an income comes with a proverbial minefield that they must navigate. When to splurge? Where to invest? What to stay away from?

That’s why financial management for young professionals is very critical at this stage; they may just be entering their income-earning years, but financial management habits must be corrected or learned to prepare them for future life stages.

Entrepreneurs are wired differently from most people. While employees value the security of a regular paycheck, entrepreneurs seek potentially bigger wins by starting their own business. Taking that path is calculated gambles -- but it's still a gamble nonetheless.

Risk management becomes a key aspect for entrepreneurs, And while managing business risks is a top priority, managing financial risks shouldn't be overlooked either. Whether it's ensuring cash flow during lean times, or preparing the business for the future, financial planning will protect the entrepreneur's investments.

Baby boomers are in their retirement age which is characterized by enjoyment or continuous work. Hopefully, the purpose of working is to keep one mentally alert and socially active. By this time, their concerns are either divestment or distribution of assets to their heirs.

For most people who retired from their professional lives, they would want to maximize the returns from their funds because they are most likely living on interests. For those who have family businesses, living on dividends and support from their passive income generating assets can be their sources of funds.

Planning for cash flow management, medical health and future asset management with tax considerations are vital aspects of the financial plan for the baby boomers to ensure smooth relationships and healthy well being.

Talk to us when you want to revisit your risk management, growth plans and employee benefits.

Any major changes in life can be threatening at times , specially if it is unprepared. These changes include sudden illness of family member or loss of job because of retrenchment.

However if plan b is in place, the impact of the changes can be limited. There are changes in life are very well anticipated. Examples include educational level transitions (i.e. college to work to masteral studies) or marital status changes ( single to married).

Preparing for these through savings or investment plans would definitely allow the transitions to be welcomed as positive milestones.

Talk to us when you want to revisit your risk management, growth plans and employee benefits.

Expats and immigrants in the Philippines may need a more complex financial planning advisory service. They have families, businesses and assets in multiple locations. Their lifestyles, goals, time horizons and risk profiles will be different from the locals Filipinos. An understanding of the investment and tax rules of the 2 residences are vital in planning for investment allocation and asset distribution.

Talk to us when you want to to experience implementing a holistic financial plan while you are based in the Philippines.