Financial Planning
Plan, Invest, Save
Let’s build a plan that works for YOU
It’s never too early to start on the path to financial success. Establishing a clear vision of your personal, family and professional priorities and goals is the first step. Developing a financial plan is an important vehicle to help you establish your goals, develop defined strategies to achieve those goals, implement these strategies and monitor your progress in
attaining those goals.
Financial planning is the process of taking a comprehensive look at your financial situation and building a specific financial plan to reach your goals. As a result, financial planning often delves into multiple areas of finance, including investing, taxes, savings, retirement, your estate, insurance and more.
Our approach
A financial plan is a complete overview of the steps you’ll have to take to achieve the goals you lay out for yourself.
These objectives could include paying for your children to go to college, giving to charity, paying for a comfortable retirement or maximizing the amount of money you pass down to your children.
We will help you create a financial plan after talking to you about your goals and needs. Then we will engage in a variety of services, described in the section above, to help you achieve your goals.
Financial planning is holistic and broad, and it can encompass a variety of services, which we detail below. Rather than focusing on a single aspect of your finances, it views clients as real people with a variety of goals and responsibilities. It then addresses a number of financial realities to figure out how to best enable people to make the most of their lives.
Analyse (Initial meeting)
Recording the current situation
with your wishes and goals
Plan
Evaluation and asset planning
with quality goal
Advice (Strategic meeting)
Personal advice, tailored to
your wishes and goals
Implement
Realisation of your wealth
planning
Full Service Financial Planning
We are all different, everyone has their own dreams, hopes and goals. KBC help you to realise your wishes and achieve your financial goals. No matter whether you want to protect yourself, secure your family or make provisions for your pension – KBC will provide you with needs-based solutions in line with your wishes and requirements.
‘’Get Smart with Money’’
Here are some of the services that we offered as part of financial planning:
Tax planning:
We often help clients address certain tax issues. We analyze your current situation and figure out how to maximize your tax refunds and minimize your tax liability. We also help you with preparing your taxes and filing your annual taxes return.
Estate planning:
Estate planning seeks to make things a bit easier for your loved ones after you die. We also support you in the planning and preparation of your real estate planning so that your dream comes true.
Retirement planning:
You presumably want to stop working someday. Retirement planning services help you prepare for that day. We ensure that you’ve saved enough money to live the lifestyle you want in retirement.
Philanthropic planning:
It’s always nice to give something to people who need it or help a cause close to your heart. We can help you ensure you’re doing it efficiently and getting all the tax benefits you’re eligible for.
Budgeting:
This is perhaps our cornerstone. We will support you and can make sure you are spending the right amount given your income and can also make sure that you aren’t going into debt. We will develop an accounting system which of course needs self-discipline and goal-oriented. When everything works well, you will see how the money will be working for you, instead of you working for the money anymore.
Insurance planning:
We can help you evaluate your insurance needs for you and your sweet family. It all about analyzing which insurances is perfect for you and enable you to protect your life at the same time saving some money.
Investment planning:
Even though we were not involved in the actual management of your assets, we can now help with your investmentportfolio by mapping out how much you should be investing and in which types of investments.
Education funding planning:
If you have children or other dependents who wish to pursue a college degree, you may want to help them to pay for it. We can help make sure you are able to do so.
Your Partner in Achieving Financial Freedom
If you’re ready to take the next step, please fill out the contact form below, and one of our
financial planning advisors will be in touch soon.
FAQ
Frequently Asked Questions
What is financial planning ?
According to Investopedia, a financial planning is a document containing a person’s current money situation and long-term monetary goals, as well as strategies to achieve those goals.
A financial plan begins with a thorough evaluation of the person’s current financial state and future expectations and may be created independently or with the help of a certified financial advisor.
Are you really independent?
Yes! As a financial advisor, we work exclusively in the interest of our clients. Neither an investment bank nor an insurance company owns shares in our organisation, so that we can objectively compare all products existing on the German and international markets.
What to expect when you call KBC on 017655042857?
When you call KBC on 017655042857, you will speak to one of our wonderful team
members who will do their very best to assist you.
When can I have a meeting?
Due to increased demand for our services, we are encouraged you to contact us at the
earlier convenience to assist you in the timely manner. Please contact our team to start this
process – phone 017655042857 or by email or fill out the contact form
Do you have Skype or Zoom meeting?
Yes. We have clients in all over Germany. Ideally, we like to conduct your Initial Meeting
and Strategy Meetings face-to-face so we can get to know each other better.
Due to the current Covid-19 Pandemic, we hold must of our meeting online via Skype or
Zoom.
How do I prepare for my initial meeting?
Before we meet our team will ask you to complete and return our questionnaire.
In your Initial Meeting we focus on your concerns and the services and characteristics of your desired advisor rather than collecting basic information. This is why completing and
returning your questionnaire is so important.
Our team will confirm your Initial Meeting once we have received your completed
questionnaire.
What if I don’t return my questionnaire before my initial meeting?
If we don’t know anything about you before our initial meeting, we cannot judge whether
we can add more value in your circumstances than the fees we will charge you.
So, if you are unable to return this completed questionnaire prior to your meeting, please
let us know and we will reschedule your meeting.
What should I expect after my initial meeting?
If we believe we can add more value in your circumstances than the fee will be charge, we
will provide you with a tailored Service Agreement within 5 business days. It outlines the services we will provide you and details the all-inclusive, fixed fee for your first year of
service.
If we don’t believe we can add more value than the fee will still be charge. But we will be
totally up front and frank with you.
If you wish to partner with KBC, simply return the completed Service Agreement and we will
welcome you as a wonderful new client.
What to expect at your strategy meeting?
At your Strategy Meeting we can actively start planning together to secure your financial
future.
How much will my initial meeting cost?
The cost of your initial meeting for all other services with KBC is €49,99.
We only offer initial meetings to potential clients where we believe that our discussion will add more value than the cost.
Why do i need a financial advisor?
If you are serious about building financial independency and wealth over the long term, you will likely need to engage with a financial advisor at some point.
At KBC, we can organize your overall financial picture and implement strategies that will
help you achieve your goals.
How does the advisory process work?
As a rule, we have 3-4 digital advisory meetings with our clients.
In the first meeting we get to know each other better, clarify all detailed questions about
our work and talk intensively about your financial goals & wishes.
For our second meeting, we create a professional financial plan for you, which we go through and discuss step by step.
From the third meeting onwards, we advise, tailored to your wishes and goals and at the
fourth meeting, we will start to put your financial plan into practice, so that from now on you are optimally financially positioned and can efficiently achieve your goals.
Do you offer a free consultation?
Yes the first 15 min meeting is free of charge. From there, we can arrange for the initial
meeting.
Why do I need to diversify my portfolio? What does that even mean?
Portfolio diversification is one of the best tools to reduce risk while keeping expected
returns high; here are some of its benefits:
1. Lowering the impact of market volatility.
Diversification among different assets/sectors/markets hedges the investment and helps
mitigate the impact of individual markets on investment returns.
2. Increase the probability of steady cash flow.
If an asset does not perform according to the business plan, this will be "covered" by other
assets when quarterly distributions are due.
3. Helps preserve your capital
When you invest in a single property, there is always some risk involved. Diversification
ensures that you don't lose all of your invested capital, even if one property does poorly.
4. Opens up opportunities for more profit
When you spread your investment across multiple businesses, there is a greater chance that
one of them will outperform the business plan and earn you higher returns.
