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More information about Financial Planning
Long-term wealth planning is the linchpin of optimal care.
This is also reflected in the diverse contents of financial planning:
Asset structure analysis and consulting,
Analysis of investor goals and personal risk appetite
Analysis of the strengths and weaknesses of the overall financial and asset situation,
Comprehensive, long-term oriented strategy development for the optimization and safeguarding of assets,
Realization of personal and financial goals with balance sheet,
Provision concept and risk management,
How does “structuring” of a private asset “work”?
To realize the holistic view, we proceed in several stages:
The starting point for a sustainable and continuous consultation is the identification and structuring of all investment-relevant wishes, requirements and conditions.
It follows the inventory of the assets.
We create a private balance sheet, from which many insights and questions can be derived: For example, how the investments are currently structured according to investment forms, currencies and availability. Which long-term expected return can be derived from this. Where are the opportunities, where are the risks?
Finally, the detailed analysis is followed by the strategic planning of client assets.
Financial planning goes far beyond traditional financial or investment advice.
Not the short-term effect, but a coherent long-term concept for asset accumulation, increase and assurance is the goal.
Anyone who carries the CFP® certificate is experienced in “all-around”.
This requires in-depth knowledge in the areas of financial products, real estate, insurance management (insurance) and tax / law. A CFP certificate holder is capable of developing a holistic financial and asset strategy.
Thus, CFP certificate holders set the course that the individual goals of their customers can be realized. Finally, the networking of optimal investments with the tax and legal frameworks finally results in a coherent long-term concept, which also includes estate succession in inheritance.
According to the experience of financial planners, very few customers have a clear picture of their financial circumstances. Here are a few fund shares, there is a property, as a life insurance, time deposits, maybe stocks … The composition of portfolios is often rather random than planned.
In response to the question of the after-tax return of their investments, customers usually respond with only a helpless shrug.
The question of whether the retirement is sufficient, remains mostly unanswered.
Frequently, the private financial plan created by a CFP® certificate holder opens the eyes of customers for the first time and makes clear where the “return killers” are in the portfolio.
A professionally prepared private financial plan is the basis for better planning your own future and your financial resources.
Financial planning is life planning, because it describes the optimal ways for asset accumulation and maintenance for each individual customer.
Financial planning requires systematics. A detailed analysis of the customer’s living and financial conditions is the first step.
In doing so, the CFP® certificate holder assumes the role of the “financial physician”: As with a medical history, all factors that are important for further planning must be included.
In the foreground are the development of a “risk profile” of the customer – is he willing to take risks or in financial matters more conventional? – and its expectations for pensions and old-age insurance. “Networked thinking” is called for, after the analysis of the existing assets and the already existing investments, to create an individual financial plan, which clarifies the current state and the future perspectives.
In the context of financial planning, in many cases scenarios are also developed to reflect different assumptions about future developments.
Only then can the CFP certificate holder proceed to optimize the asset structure in close contact with the customer through possible shifts.
Financial planning is a long-term process – because many aspects only develop their full effects in the future, for example in retirement.
This time you should take as a customer, because a successful financial life planning is the basis for the realization of your dreams and wishes!
Financial planning creates security in financial life planning.
Since CFP® Certificate Holders provide their restructuring and investment recommendations in the first step without any company-specific product recommendations, the preparation of a financial plan is often chargeable.
The fee amount depends on the ramifications of the assets and the tax and inheritance law to be drawn in the calculation and is usually calculated on the basis of time expenditure.
But this investment is worthwhile.
According to the statistical analyzes of one of the leading financial planning companies in Germany, the after-tax return increases on average by around 2 percentage points within one year, if the restructuring measures proposed by CFP certificate holders are implemented.
And the increase in security over the “right” financial and asset strategy is added as a non-monetary benefit.