Saturday, January 19, 2013

Financial Planning Pyramid

The Base  =  Risk Mitigation
1.     Life Insurance
2.     Medical Insurance
3.     General Insurance (House, Fire, Theft/Burglary, etc.)
4.     Loss of Job
5.     Disability . . .

The Middle Portion = Goals Achievement
1.     Retirement
2.     Child’s Education
3.     Child’s Marriage
4.     Dream Home
5.     Dream Car
6.     Dream Vacation . . .

The Top = Estate Planning
1.     Will
2.     Succession
3.     Trust Formation
4.     Transfer / Division of Assets . . .


SABH: Save And Be Happy!
Think +ve, Be +ve

Ajit Vidyadharan
Certified Wealth Manager / Financial Advisor
Certified Trainer, Certified Leadership & Performance Coach
Sabhav Wealth Management Services
+919664966416
  

Wednesday, January 16, 2013


Sabhav Wealth Management Services
Save & be happy & make your family HAPPY
A-203, Vasundhara-3, Poonam Sagar Complex, Mira Rd. (E), Mumbai 401107
(M)+919821176217 / 9664966416 (Tel.) 022-28102285  email: savingurmoney@yahoo.com

Money and Family's Happiness
An awareness session By a Certified Wealth Manager

What are the contents of the session?
Insights to simple questions of life which could lead to your happiness
1.     Who do you work for?
2.     Is happiness (self and family's) your prime focus in life?
3.     How does Money affect family's happiness?
4.     What is Financial Planning?
5.     Where should one save / invest?

Benefits of attending the session
1.     You could become aware that Financial Planning is for everybody
2.     You could become inspired to save / invest  judiciously
3.     You could ensure Peace of Mind and Happiness for self and family.

Who will lead the session?
1.     A Certified Wealth Manager
2.     A professional with insights in Human Psyche and Money Matters
3.     A Happiness Coach.

What are the charges for the session?
FREE for employees of XXXXXXXXXXXXX (based on a Strategic alliance)
{Financial Planning charges start at INR 1000/- per hour per individual}.

What is the schedule of the program (tentative)?
Time: XXXX - XXXX hours     Date: XXXXXXX, 2013      Venue: XXXXXXXXXX 
 
Who should attend?                                                                                                              
Anyone and everyone who cares for his/her happiness.
                                                                         --x--
 
SABH: Save And Be Happy!
Think +ve, Be +ve
Ajit Vidyadharan
Certified Wealth Manager / Financial Advisor
Certified Trainer, Certified Leadership & Performance Coach
Sabhav Wealth Management Services
+919664966416

Sunday, January 13, 2013

Four Types of Families

  4 types of families  
  F1 F2 F3 F4
  Financially Failed Family Financially Dependent Family Financially Secured Family Financially Happy Family
Income 100 100 100 100
Expenses 100 80 80 100
Savings 0 20 20 30
Insurance 0 0 0 20
Investment 0 0 20 10
Financial Planning Nil No Partially Yes
Mitigation of Risk Nil No No Yes
Happiness Nil Probably Volatile Yes
Peace of Mind Nil No No Yes
Income Continuity Nil Not adequate Not adequate Yes
  Dangerous. No back-up or security for family's happiness. Depends on Savings to tide over difficult times. Family's happiness is volatile and fluctuates up - down like the share market. Investment provides opportunities for capital appreciation. Insurance mitigates any untoward incident and ensures Continuity of Income and Happiness. 
SABH: Save And Be Happy!
 
Think +ve, Be +ve
 
Ajit Vidyadharan
 
Certified Wealth Manager / Financial Advisor  
Certified Trainer, Certified Leadership & Performance Coach  
Sabhav Wealth Management Services  
9664966416