KPFG_WP_Booklet_V2

Financial Indicator Toolkit (F.I.T.)
Determining your Financial Health for a Fitter Financial Future
Client : Date : Advisor :
©Copyrighted by KPFG Founder @Brenda Yong, 16 Sept 2021.
All technical and creative rights reserved by Adele Cheah and Brenda Yong. No reproduction is allowed unless written permission is granted.


Financial Indicator Toolkit (F.I.T.)
Determining your Financial Health for a Fitter Financial Future
Get to know your Financial Advisor


Financial Indicator Toolkit (F.I.T.)
Determining your Financial Health for a Fitter Financial Future
Table of Contents / Services
NO
1
2
3
4
5
6
7
STATUS REVIEW
Letter of Engagement
Policy Review (Yr)
Risk Profiling
Cash Flow Analysis
Client Private Info
Services Package
Annual Fees date
Personal Business and Corporate Dynasty Management
Personal Financial Planning
Wealth Protection
Living Cash (Early CI, CMA, CI) Life Protection
Hospital & Surgical
Family Income Replacement Kids Risk Transfer
Spouse Risk Transfer
Wealth Accumulation (Part A)
Savings: Short Term Risk Type: ______________ Savings: Mid Term Risk Type : _______________ Savings: Long Term Risk Type : ______________ Education (E1/E2/E3/E4/E5/E6)
EPF Stock Buying
EPF Unit Trust Investment
Wealth Accumulation (Part D)
Properties: Residential Properties: Land
Properties: Land Projects Properties: Shop Lots Properties: Agricultural Orchard
Wealth Distribution
Pre IPO
Private Investment Holding Offshore Trust
Will/Estate Planning/Family Trust Global Debt cancellation
Family Wealth Office/Foundation Foundation (Islamic/Convention)
AREAS OF FINANCIAL PLANNING


AREAS OF FINANCIAL PLANNING
Wealth Accumulation (Part B)
Retirement – Basic (EPF/CPF) Retirement - Necessity
Retirement - Lifestyle
Retirement - Passion
Alternative Invest.: ______________ Alternative Invest.:_____________ Alternative Invest.:_____________
Wealth Accumulation (Part C)
Managed Account (200K) Mini Managed Account (50K) Global Wrap Account Foreign Fixed Deposits
Personal Risk Management
House Fire and theft
Car insurance
Professional Liability
Personal Accident
Tax Advisory
Mortgage Planning / Refinancing Mortgage/Debt Protection Planning
Play Money
Options Trading Forex Commodities
AREAS OF FINANCIAL PLANNING
Business Financial Planning
Director’s Needs
Retirement One – EPF
Retirement Two – _______________ Directors Fees
Private Retirement Scheme
Service Contract
Buy & Sell Agreement
Financial Status Report
Debt Cancellation
Business Development
Maximizing Sinking Fund Customized Training Prgm Business Succession Planning Business Trust
Captive Insurance Labuan Offshore Investment Holdings
Financial Risk Analysis
Marine/Export Safety Insurance
Business Needs / Accumulation
Debt Mgt & Cushioning Cashflow Key Mgt Program
PRS Retention
Corporate Funds
E’yee Retirement Retention Prgm E’yee Retirement Fund
General Employee Benefits Pre-IPO Consultation
Tax Advisory / Submission Tax Documentation System Overall Risk Management (GI)
Business Risk Management
Premise Fire and theft Car/Transport insurance Professional Liability Marine/Export Safety Insurance


SCOPE OF FINANCIAL PLANNING SERVICES
Speciality
Family
Family Office
Family Conflict Management Coaching
Legacy
Investment Holding Structure Portfolio of Assets
Trust Foundation Diversification Strategies Family Governance
Personal Coaching Founder/settler coaching Manpower planning Diversification
Money
Money Personality Money Habittude Money Psychology Money Season of Life Money Neuro Finance Money/WOL boardgame
Corporate
Conflict Management Intelectual Property Trust
Corporate Coaching Seminar
Workshop
Special Project
Project Management Project Consultant Fund Raising
Labuan
Corporate Consultation Corporate Training


Financial Indicator To
Determining your Financial Health for a Fitter Financial Future
olkit (F.I.T.)
Your Financial Life Cycle
CURRENT AGE: RETIREMENT AGE: LEGACY AGE:
Where Leakages of Wealth can occur:
√
Personal medical bills Family medical bills Wrong Investments Kid's education fees Others


Getting to know you
Financial Indicator Toolkit (F.I.T.)
Determining your Financial Health for a Fitter Financial Future
Client Code : E2-DP01/21 Date :
ANNUAL INCOME
MONTH
YEAR
FAMILY
IMMEDIATE
Gross Salary
( 10,000)
( 120,000.00)
Age
DOB
Name
Net Salary
( 6,000)
( 72,000.00)
Father
76
Passive Income
( 37,261)
( 447,135.00)
Mother
73
Other Income
-
Husband
(self )
( 43,261)
-
Total Income
( 519,135)
Wife
42
18.07.1979
Wife
Children
16
26.12.2005
Son
INVESTMENTS
AMOUNT
Children
10
12.04.2011
Daughter
Cash in Hand
Unit Trust
Shares
Stocks
Forex
Gold
Endownment plan
XYZ Company
( 300,000)
( - )
( - )
( - )
( - )
( - )
( 924,717)
Children
Children
FAMILY
Wife's Father
Wife's Mother
Younger Brother
Elder Sister
-
Fixed Deposit
( - )
-
DOB
EXTENDED
Age
Retiree
Housewife
Pastor
Pastor
Name
Total Investment
( 1,224,717)
ASSETS
Property 1 - SVA
Property 2 - IC1
Property 3 - IC2
Property 4 - KRF
Property 5 -SR
Property 6 -BR
AMOUNT
( 950,000)
( 500,000)
( 680,000)
( 450,000)
( 1,000,000)
( 500,000)
Guarantor
Marriage Cert
WILL / Trust
EPF Nomination
Directorship
FINANCIAL STATUS
Husband
Yes
Yes
No
Yes
Yes
Wife
Yes
Yes
No
No
Yes
Car 1 - Alphard
( 120,000)
PERSONAL INFORMATION
XYZ Company
70%
30%
Car 2 - Murano
( 40,000)
Name :
John Doe


Car 3 - Kelisa
EPF: Husband
EPF: Wife
PRS
Total Assets
( 15,000)
( 154,369.09)
( 67,123.99)
( 12,000)
( 4,488,493)
Family Status :
# in the family :
Occupation :
Age :
DOB :
42
26.03. 1979
Married with 2 children
Entrepreneur
Mentoring and sharing,coaching
Planning and doing strategic planning
Fulfill the call from God
Consultancy basis for business
Coaching & Mentoring jobs for people
Eternity retirement
Leap frog of business to another level
Husband
Husband
PASSION
WANTS
Singing
Wife
Coaching especially women inside and outer beauty
Company Name :
Medical Wellness Industry
Self Development
Spend quality time with children
Image consultancy
LIABILITIES
AMOUNT
NETWORTH
m Mortgage Loan 1
( 652,300)
( 297,700)
m Mortgage Loan 2
( 482,236)
( 17,764)
m Mortgage Loan 3
( 437,122)
( 242,878)
m Mortgage Loan 4
( 322,232)
( 127,768)
m Mortgage Loan 5
( 582,779)
( 417,221)
m Mortgage Loan 6
( 222,982)
( 277,018)
m Car Loan 1
( - )
( 120,000)
m Car Loan 2
( - )
( 40,000)
m Credit card
( - )
( 15,000)
m Personal Loan
( - )
( 154,369)
m Education Loan
( - )
( 67,124)
( 12,000)
Total
( 2,699,651)
( 1,788,842)
Rental / Month
( 1,400.00)
( 2,600.00)
( 1,600.00)
( 5,600)
RETIREMENT
Husband
Travel around the world
Serve the god around the world
Wife
Wife
Finished the coaching to obtain the certificate
Live charity - start early this year 2021
Raise up the family and children
Clear off all company debts & mortgage loan
EXPENSE 1
Life / TPD
Critical Illness
MONTH
#REF!
YEAR
( - )
( - )
( - )
( - )
( - )
#REF!
EXPENSE 2
Parent's / Sibling's expenses
Medical / Wellness / Gym
Notes
MONTH
( 850)
( 1,000)
YEAR
Insurance
( 1,667)
( 20,000)
Kid's expenses*
( 10,920)
( 131,040)
Utilities (TNB, Water, Int, HP, Rental)
( 1,140)
( 13,680)
PA
Petrol / Transportation / Servicing
( 1,500)
( 18,000)
( 10,200)
Entertainment/Travelling/Outing
( 12,000)
Room & Board
Ann limit
Life limit
Hosp Income
( - )
( - )
Groceries
F&B
Mortgage Loan 1-SVA
Grab food
( 4,000)
( 6,000)
( 500)
( - )
#ERROR!
( 48,000)
( 72,000)
Clothing, Accessories, Bags
( 6,000)
Cosmetics , Skincare
( - )
#ERROR!
General Insurance
( - )
( - )
Mortgage Loan 2-IC1
Mortgage Loan 6- BR
#ERROR!
#ERROR!
#ERROR!
#ERROR!
#ERROR!
( - )
Mortgage Loan 3-IC2
#ERROR!
#ERROR!
Mortgage Loan 4 -KRF
#ERROR!
Mortgage Loan 5 -SR
#ERROR!
#ERROR!


TOTAL #REF! #REF! TOTAL EXPENSE
Cashflow
Month
#REF!
Year
#REF!
Property Maintenance
( 3,000)
#ERROR!
( 36,000)
#REF!
#REF!
Property Fire Insurance
( 3,168)
TOTAL
( 264)
#ERROR!
Total Nett Worth
( 564,125)
breakdown:
( 200)
( 960)
( 6,500)
( 200)
( 1,060)
( 2,000)
( 10,920)
Notes:
*Children expenses
Isaac drum class
Isaac tuition fee
Isaac school fee
Inez Piano
Inez tuition fee
Miscellaneous
Prodigious Accumulator of Wealth
Wealth Equation
Current Wealth Networth
= Age x Pretax Annual Household Income
= =
10
Note
PAW UAW
Client's Signature: Date:


Financi
Determining
al Indicator Toolkit (F.I.T.)
your Financial Health for a Fitter Financial Future
Statement of Advice : Wealth Protection Need Analysis
Client Code : Date :


Financi
Determining
al Indicator Toolkit (F.I.T.)
your Financial Health for a Fitter Financial Future
Statement of Advice : Wealth Protection Need Analysis
1. Total Debt 2,167,144
Pru GE
Pru GE
Pru GE
Pru GE
Pru GE
Room & Board
Self-80% Wife-20%
Mean of income & expense method
Income Method 2,235,660
Property ( 2,167,144) Personal - - -
300 200
37,261 * 12 * 5
Expense Method 2,334,864
Annual Limit
48,643 * 80% * 12 * 5
2. Husbandship PV 4,053,323
- 100,000- - 1,332,000-
Ideal Method 2,285,280
n = 48
i = 4%
42 PMT = 191,238 90
38,088 * 12* 5
Lifetime Limit
Options √
1 million No limit
Credit cards
Family loan
Private Loan sharks 10% Insurance (Ci, Eci)
Credit cards
Multiple sources of income Others (please specify):
3. Sonship/Daughtership PV 194,651
n = 17
i = 4%
73 PMT = 16,000 90
Coinsurance
(10% of eligible medical
expenses : min:300;max:
1K) No
4. Fatherhood/Motherhood PV 1,165,563
Coverage Term
n = 15
i = 4%
10 PMT = 104,832 25
100 99
Pandemic Coverage
RM Total Needs 2,285,280 (CI cover) Total Available 2,020,000
5. Kid's Education FV 892,045
n =9 i = 6%
16 PV = 528,000 25
Gap 265,280
6. Kid's Education FV 1,265,383
Suggested solutions:
1 When cash flow is better,close the gap.
n = 15
i = 6%
10 PV = 528,000 25
Total Needs Total Available Gap
Note:
RM
9,738,108
5,135,559 (Life insurance + Networth)
4,602,549
i = interest (PV) / inflation (FV)
2 Empowered Phoebe has income source for herself.
But if anyone does not provide for his own, and especially for those of his household, he has denied the faith and is worse than an unbeliever.
1 Timothy 5:8, NASB


Financial Ind
Determining your Fina
icator Toolkit (F.I.T.)
ncial Health for a Fitter Financial Future
Insurance Coverage Analysis
INSURANCE COVERAGE ANALYSIS (BEFORE)
POLICY CONTENT ANALYSIS : Draft Status@ 23.09.2021
GE
GE
33391884
1014986870
1015386169
1022281241
01/02/2005
26/08/2013
19/11/2013
25/08/2016
Prulink Assurance
Smart Protect Essential 2
Smart Protect Essential 2
UL
UL
UL
UL
01/03/2079
25/08/2077
18/11/2077
24/08/2077
- 99-
- 99-
- 99-
99
M
M
M
M
250.00
730.00
700.00
250.00
3,000.00
8,760.00
8,400.00
3,000.00
( 1,000,000)
( 910,000)
( 12,000)
100,000
( 1,000,000)
( 910,000)
INSURANCE BENEFIT
( 1,000,000)
( 910,000)
( 12,000)
( 200)
N
N
Y
( 1,332,000)
1 million
No
Surrender Value @19. 09.2021
Com
Policy No
Policy Date
Plan
Policy Type
Expired Date
Mature Age
Mode
Premium
Total Premium
Life
Accident
Disease
T.P. Disability
Room & Board
Premium waiver
Annual Limit
Lifetime limit
( 34,907.98)
( 33,015.27)
( 4,015.31)
Nominee
Chan Hoi Yan
Remarks
$ *
#
GE
Smart Protect Essential 2
Chan Hoi Yan
GE
Smart Protect Essential 2
Chan Hoi Yan
Chan Hoi Yan
**Smart Medic Xtra & Smart Extender (120K) up to age 99; Hospitalisation benefit:RM100
1022281429
25/08/2016
1,680.00
20,160.00
450.00
5,400.00
Natural Death (A) :
2,122,000.00
Accidental Death & Disability (B) :
180,000.00
Total Death Payable (A+B) upon accident:
2,122,000.00
Critical Illness Coverage :
2,020,000.00
Disability Income :
no info
$
AIA
Pru
1999
Check with Phoebe on AIA policy #
UL
24/08/2077
100
A
M
( 780.00)
200.00
2,130.00
( 780.00)
2,400.00
25,560.00
( 100,000)
( 2,122,000)
( 40,000)
140,000
( 180,000)
Total Disability per week : no info
( 10,000)
100,000
( 2,020,000)
( 100,000)
100,000
( 2,122,000)
( 300)
( 500)
R&B Initial AL LL
(
200 include R&B 200 whilst oversea -120 days 125,000) Increase 5% AL every 2 policy yrs for 20 policy yrs
N/A
Y
Y
( - )
( 100,000)
( 1,432,000)
A-Plus Med
( - )
( 4,071.31)
Chan Hoi Yan
Prumajor med 5 (10% of eligible medical expenses with min:300;max:1K); Prumed benefit 2 uts:5K.
Medical & Surgery :
MC: Annual Limit / Lifetime Limit : 1,250,000/ NA Room & Board per day 200 Total Premiums :
A-Plus Med Booster
OverallAL 1.25 million LL N/A
** Transfered cost under company
POLICY BENEFIT RECORD :
Note;
L - Life
UL - Unit Link (Life & Investment) MC - Medical Card
ED - Endowment
PA - Personal Accident
CI - Critical Illness
Suggested Solution:
After restructure Difference
A - Annual Payment
Q - Quarterly Payment
SA - Semi Annual Payment M - Monthly Payment
Name of Client : Date of Analysis :
#REF!
23-Sep-21
* 1 Surrender the Prudential policy (Policy:33391884) and cash out the surrender value to invest. 2 Surrender the GE (Policy:1022281429) to take out the cash for investment.


Financial Ind
Determining your Fina
icator Toolkit (F.I.T.)
ncial Health for a Fitter Financial Future
Insurance Coverage Analysis
INSURANCE COVERAGE ANALYSIS (AFTER)
POLICY CONTENT ANALYSIS : Draft Status@ 23.09.2021
GE
1014986870
1022281241
26/08/2013
25/08/2016
Prulink Assurance
INSURANCE BENEFIT
Surrender Value @19. 09.2021
Nominee
Remarks
$ *
#
Com
Policy No
Policy Date
1999
Plan
Policy Type
Expired Date
Mature Age
Mode
Premium
Total Premium
Life
Accident
Disease
T.P. Disability
Room & Board
Premium waiver
Annual Limit
Lifetime limit
AIA
A
GE
Smart Protect Essential 2
Smart Protect Essential 2
UL
UL
25/08/2077
24/08/2077
99
- 99.00-
M
M
730.00
250.00
8,760.00
3,000.00
( 1,000,000)
( 12,000)
( 1,000,000)
( 1,000,000)
( 12,000)
( 200)
N
Y
( 1,332,000)
No
( 34,907.98)
( 4,015.31)
Chan Hoi Yan
Chan Hoi Yan
Keep the policy
GE
1015386169
19/11/2013
Smart Protect Essential 2
UL
18/11/2077
- 99.00-
M
700.00
8,400.00
( 910,000)
( 910,000)
( 910,000)
N
( 33,015.27)
Chan Hoi Yan
Keep the policy
Smart Medic Xtra & Smart Extender (120K) up to age 99;
Hospitalisation benefit:RM100 Restructure this policy with
same budget for more
GE
1022281429
25/08/2016
Natural Death (A) :
1,922,000.00
Accidental Death & Disability (B) :
0.00
Total Death Payable (A+B) upon accident:
1,922,000.00
Critical Illness Coverage :
1,910,000.00
Disability Income :
no info
$
Pru
33391884
01/02/2005
Check with Phoebe on AIA policy #
Smart Protect Essential 2
UL
UL
01/03/2079
24/08/2077
100
- 99.00-
M
M
1,680.00
20,160.00
( 1,922,000)
( - )
Total Disability per week : no info
Medical & Surgery :
MC: Annual Limit / Lifetime Limit : 1,250,000/ NA Room & Board per day 200 Total Premiums :
( 1,910,000)
( 1,922,000)
( 200)
( - )
R&B Initial AL LL
(
200 include R&B 200 whilst oversea -120 days 125,000) Increase 5% AL every 2 policy yrs for 20 policy yrs
N/A
( 1,332,000)
A-Plus Med
( - )
To Surrender the policy and cash out the cash for investment
coverage on CI:200K
A-Plus Med Booster
OverallAL 1.25 million LL N/A
POLICY BENEFIT RECORD :
Note;
L - Life
UL - Unit Link (Life & Investment) MC - Medical Card
ED - Endowment
PA - Personal Accident
CI - Critical Illness
Suggested Solution:
Difference
-450.00
-5,400.00
-200,000.00 -180,000.00
Name of Client : Date of Analysis :
-110,000.00
#REF! 23-Sep-21
-200,000.00
-300.00 0.00
-100,000.00
A - Annual Payment
Q - Quarterly Payment
SA - Semi Annual Payment M - Monthly Payment
*
1 Surrender the Prudential policy (Policy:33391884) and cash out the surrender value to invest. 2 Surrender the GE (Policy:1022281429) to take out the cash for investment.


Financial Indicator Toolkit (F.I.T.)
Determining your Financial Health for a Fitter Financial Future
Our Suggestions and Recommendations
Conclusion Date: Client Code:
Official Recommendations
1
2
3
4
5
6
7
8
Social Recommend
ations
Note
Immediate TQ, 36 hours of paperwork & TBC of conclusion, 48 hours of follow through and decentralization of work, 7 days to follow through.
Disclaimer
The material shown in this presentation is for general information purposes only. It is not intended to be, nor should it be read as specific personal investment or risk advice.
Whilst all care is taken in the preparation of this material no warranty is given with respect to the information provided, and accordingly no responsibility for errors or omissions, including rBesfpoorensaicbtiilnitgy otonanypoefrtshoeninbfyoremaasotinonofconnetgalignendcienitshaisccperpetsedntbaytiBorneynodua sYhoonugl.d obtain special advice from a specialist investment or risk professional, which is appropriate to your specific
investment or risk needs, objectiv
es and financial situation.