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Financial Planning

Absolutely everyone should have a financial plan, and there are no exceptions to this rule. Whether you are a start up, small business, large corporation, single, or married—securing your financial future must be top priority. Even if your salary is not yet competitive, or you are just entering the workforce, the Gerhard Moser Investment Capital Holdings team will help you to maximize your finances.

Managing your finances goes beyond saving for retirement or expanding your business. We perform an in-depth risk assessment and help you plan a diverse portfolio designed to secure your long-term financial standing. Financial planning goes beyond creating a budget, managing a PNL, or putting money in the bank.




What is Financial Planning?

Financial Planning is an ongoing process to help you make sensible decisions about money that can help you achieve your goals in life; it's not just about buying products like a pension or an ISA.

It might involve putting appropriate wills in place to protect your family, thinking about how your family will manage without your income should you fall ill or die prematurely, spending money differently, but it involves thinking about all of these things together i.e. your 'plan'. You can build a plan on your own, or if your needs are more complex you might want the help of a Financial Planner.

Create a sound financial plan in six steps

  • Establish your goals in life – short, medium and long term
  • Work out what assets and liabilities you have – write them down
  • Evaluate your current financial position – how close are you to achieving your goals?
  • Develop your plan – create a “route map” for achieving your different goals
  • Implement your plan – make the changes and make it happen
  • Monitor and review your plan at least yearly and make adjustments when needed


Benefits of Using a Financial Planner

How do you know if you could benefit from the services of a financial planner? You may not have the expertise, the time or the desire to actively plan and manage certain financial aspects of your life. You may want help getting started. Some reasons for seeking professional financial planning guidance might include:

  • Making sure your money will last during retirement or rolling over a retirement plan
  • Handling the inheritance of a large sum of money or other unexpected financial windfall
  • Preparing for a marriage or divorce
  • Planning for the birth or adoption of a child
  • Facing a financial crisis such as a serious illness, layoff or natural disaster
  • Caring for aging parents or a disabled child
  • Coping financially with the death of a spouse or close family member
  • Funding education
  • Buying, selling or passing on a family business


Procrastination is the greatest enemy of financial independence, and using a financial planner will keep you on track.

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Financial Planning for business

Financial planning is the task of determining how a business will afford to achieve its strategic goals and objectives. Usually, a company creates a Financial Plan immediately after the vision and objectives have been set. The Financial Plan describes each of the activities, resources, equipment and materials that are needed to achieve these objectives, as well as the timeframes involved.

The Financial Planning activity involves the following tasks:

  • Assess the business environment
  • Confirm the business vision and objectives
  • Identify the types of resources needed to achieve these objectives
  • Quantify the amount of resource (labor, equipment, materials)
  • Calculate the total cost of each type of resource
  • Summarize the costs to create a budget
  • Identify any risks and issues with the budget set.

Performing Financial Planning is critical to the success of any organization. It provides the Business Plan with rigor, by confirming that the objectives set are achievable from a financial point of view. It also helps the CEO to set financial targets for the organization, and reward staff for meeting objectives within the budget set.

The role of financial planning includes three categories:

  • Strategic role of financial management
  • Objectives of financial management
  • The planning cycle

When drafting a financial plan, the company should establish the planning horizon,[1] which is the time period of the plan, whether it be on a short-term (usually 12 months) or long-term (2–5 years) basis. Also, the individual projects and investment proposals of each operational unit within the company should be totaled and treated as one large project. This process is called aggregation.


Security

We believe that financial security is one of the most important factors when it comes to investment.

Analysis

By analysing all portfolios top to bottom we provide an in depth account for maximum profitability

Finance

We know how important it is to provide for the future and we keep this at the heart of our philosophy

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Key Considerations

  • Initial risk assessment
  • Identifying your goals and aspirations
  • Growth, income and protection make top optimized portfolios
  • Most cost effective solutions all round

Our Added Value

  • Fully qualified advisers
  • Bespoke portfolio optimization system
  • Private banking fund platform
  • Non-market correlated funds

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