Deighleigh Financial Services
5 Montagu Street
Kensington
Johannesburg, Gauteng 2094
South Africa
ph: 0861 946 946 (0861 WIN WIN)
fax: 086 672 3659
mail
Welcome
"If you limit your choices only to what seems possible or reasonable, you disconnect yourself from what you truly want, and all that is left is compromise."
<META name="y_key" content="38b9f6934c6f1ef8">
A Financial Planner is someone who uses the financial planning process to help you figure out how to meet your life goals. The planner can take a “big picture” view of your financial situation and make financial planning recommendations that are right for you.
The planner can look at all of your needs including budgeting and saving, taxes, investments, insurance and retirement planning. Or, the planner may work with you on a single financial issue but within the context of your overall situation. This big picture approach to your financial goals sets the planner apart from other financial advisers.
For many of us, saving for our retirement represents the single largest investment we will ever make, and the transition to retirement will be the most momentous life changing event we will experience. Who is in charge of this important aspect of our life and future?
We, ourselves are, of course!
Need a medical aid or hospital plan or paying too much for your current medical aid fund?
In a rapidly changing environment ongoing evaluation of medical aid schemes has become imperative to ensure that optimum benefits are available to all.
An estate plan paints a blueprint of your financial portfolio and puts measures in place to secure your estate. It takes into account things such as your income, expenses, liabilities and assets. Just as it is important to balance your checkbook every month, it is equally important to ensure a favorable balance of assets in your estate at death.
Your estate plan can ensure protection of your assets from unnecessary & administrator’s charges which may save your heirs a great deal!
Holistic approach to manage your financial affairs.
Insurance
Investments
Medical Aid
Financial Planning
The process
The personal financial planning process is generally accepted as a six-step process as follows:
Step 1: Setting goals with the client
This step (that is usually performed in conjunction with Step 2) is meant to identify where the client wants to go in terms of his finances and life.
Step 2: Gathering relevant information on the client
This would include the qualitative and quantitative aspects of the client's financial and relevant non-financial situation.
Step 3: Analysing the information
The information gathered is analysed so that the client's situation is properly understood. This includes determining whether there are sufficient resources to reach the client's goals and what those resources are.
Step 4: Constructing a financial plan
Based on the understanding of what the client wants in the future and his current financial status, a roadmap to the client goals is drawn to facilitate the achievements of those goals.
Step 5: Implementing the strategies in the plan
Guided by the financial plan, the strategies outlined in the plan are implemented using the resources allocated for the purpose.
Step 6: Monitoring implementation and reviewing the plan
The implementation process is closely monitored to ensure it stays in alignment to the client's goals. Periodic reviews are undertaken to check for misalignment and changes in the client's situation. If there is any deviation or significant change to the client's situation, the strategies and goals in the financial plan are revised accordingly.
Copyright this business. All rights reserved.
Independent and informed advice.
Certified Financial Planner (CFP) and member of the Financial Planning Intitute.
Licensed with the Financial Services Board (FSB) (Reg No. 9867)
Accredited with the Council for Medical Schemes (Reg No. 2101).
Deighleigh Financial Services
5 Montagu Street
Kensington
Johannesburg, Gauteng 2094
South Africa
ph: 0861 946 946 (0861 WIN WIN)
fax: 086 672 3659
mail