Financial Planning Services

Attend our FREE Financial Planning Clinic sessions to assess your current financial strengths and weaknesses and obtain our FREE Comprehensive Financial Planning reports.

We analyse your financial priorities, cashflow patterns, net worth, investment objectives

and risk tolerance.  A comprehensive plan for implementation can then be developed, incorporating the necessary strategies, time frame and resources.

Below are a sample of what we do with our clients : 

Checking Out Your Financial Health

1.Calculate Your Liquid Assets To Net Worth Ratio

This will help you to determine how able are you to fork out cash in an emergency.

Calculate your liquid assets to net worth ratio. This is your cash divided by your net worth.

Liquid assets include money you have in the bank, ahares & Unit Trust. While net worth is all your assets including house and car minus all your liabilities like housing loans.

Rule of thumb : Ratio should be 15% or more. 

The ratio indicates how easy it would be for you to convert your assets into cash in the event of an emergency. 

2.Calculate Your Debt To Asset Ratio 

This will help to determine how able are you to repay your debts. 

Calculate your debt to asset ratio. This is your total debt divided by your total assets. Assets include your car & property. 

Rule of thumb : Ratio shld be below 50%.

The ratio is used to asses your debt level. The lower the ratio, the less borrowing one has. 

3.Calculate Your Solvency Ratio

This will help to determine how far can your assets decline before you become insolvent.

To calculate, divide your total net worth by your total assets. Total net worth is derived from your total assets minus liabilities.. 

Rule of Thumb : The ratio should be 40% or more.

The lower the ratio, the greater the probability that you will default on your debt obligations and be made bankrupt. 

4.Calculate Your Debt Service Ratio

Can You Afford To Take More Debt ? This is your total annual debt repayment divided by your annual take-home income. 

This will determine the proportion of net income which is used to make regular payment of debts. This is an important ratio to consider when you want to add on more liabilities. 

Rule Of Thumb : The ratio should be 35% or less. 

The ratio will indicate whether you have enough take-home pay to service your debt repayment. 

See and download samples of our reports that we provide to our clients :

= > download sample Policy Summary

= > download sample Financial Needs Analysis