FinancialPlanner.ie

financialplanner.ifinancialplanner.iee

Online Expert Financial AdviceOnline Expert Financial AdviceFinancial Services FranchiseFinancial Services Franchise

Personal Presentation for Personal Presentation for

FinancialPlanner.ie

FinancialPlanner.ie

Financial Planner Financial Planner ServicesServices

A new concept in online financial planning and advice, A new concept in online financial planning and advice, which will provide the client with their own personal which will provide the client with their own personal advisor via secure account. The service will cover a advisor via secure account. The service will cover a number of areas such as number of areas such as

Review client’s insurance, mortgage and investments Review client’s insurance, mortgage and investments every yearevery year

Personalised financial mentoring & coachingPersonalised financial mentoring & coaching Will allow client run their own financial scenarios and seek Will allow client run their own financial scenarios and seek

assistance from a qualified financial advisorassistance from a qualified financial advisor Delivery of unique financial planning reportDelivery of unique financial planning report Fee based service- Low annual fee Fee based service- Low annual fee

FinancialPlanner.ie

How it works?How it works? Customer views demo on site! Or broker presents demo to Customer views demo on site! Or broker presents demo to

customercustomer Customer signs up via credit card or direct debit.Customer signs up via credit card or direct debit. They are sent access codes which will allow them to log in to They are sent access codes which will allow them to log in to

Financial PlannerFinancial Planner Once they log in they can complete all their financial details.Once they log in they can complete all their financial details. This then activates their Financial Planner which will give them This then activates their Financial Planner which will give them

advice and tips and access to financial calculators.advice and tips and access to financial calculators. Financial Planner will present them with a financial profile report Financial Planner will present them with a financial profile report

which shows them key facts about their financeswhich shows them key facts about their finances They can request a meeting with a financial advisor and seek They can request a meeting with a financial advisor and seek

additional services.additional services.

FinancialPlanner.ie

Welcome Screen Welcome Screen

FinancialPlanner.ie

FINANCIAL CIAFINANCIAL CIAConfident Confident How confident are you of your financial affairs,protection, debt How confident are you of your financial affairs,protection, debt

management, management, Getting the best mortgage rateGetting the best mortgage rate

Important Important How important is to look after your family re protection How important is to look after your family re protection Minimise your debt, maximise your savings, protection needsMinimise your debt, maximise your savings, protection needs

AwareAware How aware are you of tax based financial products How aware are you of tax based financial products How aware are you of proper financial advice?How aware are you of proper financial advice?

FinancialPlanner.ie

BenefitsBenefits

Financial Planner will examine the following Financial Planner will examine the following

How to maximise savings returnsHow to maximise savings returns- Help to reduce debt Help to reduce debt - Examine protection needsExamine protection needs- Examine the client’s current mortgage rateExamine the client’s current mortgage rate- Ensure that clients are availing of tax based savingsEnsure that clients are availing of tax based savings- Seek to address their financial goalsSeek to address their financial goals- Bring new products and services direct to all clients Bring new products and services direct to all clients

FinancialPlanner.ie

Module 1: Financial Module 1: Financial ProfileProfile

The customer creates a financial profile by entering the following The customer creates a financial profile by entering the following information:information: IncomesIncomes BillsBills Debts (e.g. credit cards, loans and mortgages)Debts (e.g. credit cards, loans and mortgages) Assets (e.g. houses, shares)Assets (e.g. houses, shares) InsuranceInsurance SavingsSavings

FinancialPlanner.ie

Budgeting Budgeting

FinancialPlanner.ie

Module 2: BudgetingModule 2: Budgeting Customer:Customer:

Typical budget based on financial profileTypical budget based on financial profile Create monthly budgets (defaults come from financial profile)Create monthly budgets (defaults come from financial profile) Clear view of the following:Clear view of the following:

Percentage of disposable incomePercentage of disposable income Percentage of income allocated to debt repaymentsPercentage of income allocated to debt repayments Percentage of income allocated to bill paymentPercentage of income allocated to bill payment Percentage of income allocated to insurancePercentage of income allocated to insurance Percentage of income allocated to savingsPercentage of income allocated to savings

FinancialPlanner.ie

FinancialPlanner.ie

Module 3: ManagementModule 3: Management

Debt Management:Debt Management:

11 The objective of this section is to allow the user to view tips and The objective of this section is to allow the user to view tips and advice on how to reduce their debt based on their financial advice on how to reduce their debt based on their financial profile. These tips and advice are based on rules depending on profile. These tips and advice are based on rules depending on the following values:the following values:

Percentage of their income that is spent in debt repaymentsPercentage of their income that is spent in debt repayments Interest rates of their loans, mortgages and credit cardsInterest rates of their loans, mortgages and credit cards

22 The user is also presented with a tool that allowing them to The user is also presented with a tool that allowing them to “play” with their debt figures (referred to here as the “play” with their debt figures (referred to here as the debt debt “what if” tool“what if” tool), specifically: ), specifically:

Interest RatesInterest Rates Term of loansTerm of loans BalancesBalances

33 The key added value of this section though is to receive tips and The key added value of this section though is to receive tips and advice and an in depth analysis from a professional financial advice and an in depth analysis from a professional financial advisor. advisor.

FinancialPlanner.ie

FinancialPlanner.ie

Module 3: ManagementModule 3: ManagementManage Insurance:Manage Insurance:

This section will present a snapshot of the money spent by the This section will present a snapshot of the money spent by the user in insurance products. For each type of insurance, it will user in insurance products. For each type of insurance, it will present the user with a list of alternative products, and it will present the user with a list of alternative products, and it will give specific advice on how to choose an insurance productgive specific advice on how to choose an insurance product

This section will allow the user to compare their insurance This section will allow the user to compare their insurance products with others in the market and enquire about them. products with others in the market and enquire about them.

FinancialPlanner.ie

FinancialPlanner.ie

Module 3: ManagementModule 3: ManagementManage Savings:Manage Savings:

This section will present the user with a snapshot of their This section will present the user with a snapshot of their savings, and will provide tips and advice on how to invest savings, and will provide tips and advice on how to invest their savings and / or increase the amount of money they can their savings and / or increase the amount of money they can save in a monthly basis. save in a monthly basis.

The advice will be based on rules depending on the following The advice will be based on rules depending on the following values:values:

Percentage of income dedicated to savingsPercentage of income dedicated to savings Total savingsTotal savings Interest rate received in their savings accountsInterest rate received in their savings accounts

This section will allow the user to compare their savings This section will allow the user to compare their savings accounts with other accounts and saving schemes available on accounts with other accounts and saving schemes available on the market. the market.

FinancialPlanner.ie

FinancialPlanner.ie

Module 4: Financial Module 4: Financial PlannerPlanner

Financial Planner will allow the user to;Financial Planner will allow the user to;

Define and track the progress of certain actions that will improve Define and track the progress of certain actions that will improve their financial situation. their financial situation.

These objectives will be defined in conjunction with the financial These objectives will be defined in conjunction with the financial advisor. advisor.

Allows the user to update the status of an objective (on target, Allows the user to update the status of an objective (on target, behind, ahead, completed, etc.) behind, ahead, completed, etc.)

Allows the financial advisor to help the user to achieve those Allows the financial advisor to help the user to achieve those goals. goals.

Online “to do list” where both financial planner can view and edit Online “to do list” where both financial planner can view and edit the status of each to do item.the status of each to do item.

FinancialPlanner.ie

FinancialPlanner.ie

Financial ReportFinancial Report

FinancialPlanner.ie

Report ContinuedReport Continued

FinancialPlanner.ie

General Insurance General Insurance

FinancialPlanner.ie

FinancialPlanner.ie

Marketing Marketing Online marketing to drive traffic and leads to the portal. Already Online marketing to drive traffic and leads to the portal. Already

underway in other areas such as life assurance and income underway in other areas such as life assurance and income protectionprotection

Through selected brokers and financial advisors Through selected brokers and financial advisors Through affiliate websites such as Uchoose.ie, Neighbours.ie and Through affiliate websites such as Uchoose.ie, Neighbours.ie and

financial websites.financial websites. Targeting of large groups such as teachers and Companies such Targeting of large groups such as teachers and Companies such

as Intel.as Intel. Promotion of the system through our existing portal and targeting Promotion of the system through our existing portal and targeting

affiliates such as solicitors, accountants and others to join the affiliates such as solicitors, accountants and others to join the networknetwork

FinancialPlanner.ie

Client Proposition Client Proposition Online financial advisorOnline financial advisor All information stored in a secure environment All information stored in a secure environment Assessment carried out of your current financial position Assessment carried out of your current financial position Financial goals set out and noted down Financial goals set out and noted down Annual review and goal setting monitoredAnnual review and goal setting monitored Access to online general insurance productsAccess to online general insurance products

FinancialPlanner.ie

Client Proposition Client Proposition System used for working out client’s particular circumstances System used for working out client’s particular circumstances Debt calculator, investment calculator and what if scenarios built Debt calculator, investment calculator and what if scenarios built

in to work out cash available and financial leakage in to work out cash available and financial leakage Deliver a 6 page report which looks at clients past financial Deliver a 6 page report which looks at clients past financial

position, present and future financial position.position, present and future financial position.

FinancialPlanner.ie

Client Proposition Client Proposition Three PackagesThree Packages Financial Planner – Budget Basic €99 paFinancial Planner – Budget Basic €99 pa Financial Planner - Premium €499 paFinancial Planner - Premium €499 pa Financial Planner – Platinum €699 paFinancial Planner – Platinum €699 pa Additional ServicesAdditional Services Property PlannerProperty Planner Insurance Planner Insurance Planner Wealth PlannerWealth Planner Debt Planner Debt Planner From €499 once off From €499 once off

FinancialPlanner.ie

How?How? Through a direct model Through a direct model Through distribution channel via brokers and financial advisorsThrough distribution channel via brokers and financial advisors Via existing platform that we have established via brokers, Via existing platform that we have established via brokers,

solicitors and property professionals in a franchise called solicitors and property professionals in a franchise called Irelandadvisors.com Irelandadvisors.com

Through affiliate scheme through key partners for example close Through affiliate scheme through key partners for example close to concluding a deal with to concluding a deal with www.uchoose.iewww.uchoose.ie

Through special promotion whereby customer’s fee can be linked Through special promotion whereby customer’s fee can be linked to purchase of insurance product. (refund part of fee if they to purchase of insurance product. (refund part of fee if they arrange an insurance product with my FP)arrange an insurance product with my FP)

FinancialPlanner.ie

To proceedTo proceed Terms and Conditions to be sentTerms and Conditions to be sent Factfind, brochure and flyers Factfind, brochure and flyers Calculators to be set up in officeCalculators to be set up in office Marketing plansMarketing plans Financial Report to be set up Financial Report to be set up Brendan to visitBrendan to visit

FinancialPlanner.ie

Opportunity 2009Opportunity 2009

The Opportunity Awaits YOU!!!The Opportunity Awaits YOU!!!

financialplanner.iefinancialplanner.ieCopyright Brendan KellyCopyright Brendan Kelly