Building Wealth, Empowering Dreams
Integrum DIY Wealth Building Plan
The Integrum DIY Wealth Building Plan has 4 elements designed to empower you with the knowledge you need to implement your personalised plan on your own with confidence:
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Understanding my unique personal setup – age, type of employment, dependents, etc.
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Identifying what is important to me – my financial goals and dreams
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Assigning priority across my different financial goals
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How I earn & how I spend
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Understanding my spending
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How to optimize my spending to reach my goals
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What I own / My assets (e.g. savings, investments, property, etc.)
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How to use and optimize my assets to reach my goals
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What I owe / My liabilities (e.g. home loan, vehicle loan, credit cards, etc.)
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Understanding my debt and what it is (really) costing me
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How to optimize my debt to help me reach my goals
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If something goes wrong / My insurance (medical, home, life, etc.)
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How to ensure my family and I will have enough
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My Starting Point
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What’s going well
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What’s going okay
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What needs urgent fixing (before my goals)
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Guidance on potential ‘blind spots’ in my goals based on my personal- or family setup and/or life stage
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Classified goals into one of three categories
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On Track – I am well on my way to reach this goal(s)
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Needs Help – this goal(s) needs adjustment to reach it
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Brand New – new goals/goals not started yet
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Clearly detailed financial goals according to priority, including rand amounts, time to reach goal, etc.
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Guidance and suggestions per goal on how to reach the goal and what important elements/aspects are for me to consider
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My Financial Coach identifies best-fit products for each of my goals, looking at return, risk, pricing, tax efficiency, etc.
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My Financial Coach reviews and shares a comparison with me on my existing products per goal looking at return, risk, pricing, tax efficiency, etc.
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I discuss the best-fit products with my Financial Coach in a 90 mins virtual consultation
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I implement my plan and best-fit products suited to my financial goals
PART 1:
Me, My Setup and My Goals - Clarity on where I want to go
Your wealth building journey is as unique as you are – the starting point of your plan is YOU
PART 2:
The Stocktake - Understanding where I am today
Every aspect of your money needs to work together to help you build your wealth
PART 3:
The Complete Wealth Plan – How to reach my goals
PART 4:
How to Implement My Plan – Best-fit products
Knowing which products are best suited to your unique goals is a major step in your wealth building journey