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