Financial Planner boleh tolong business owner ke?
Actually, dalam silibus ada ajar juga pasal mcm mana nak baca financial statements, dgn taxes. Tapi kalau x practice susah gak.
In my case personally, dulu ex mgmt consultant. Tp bukan yg just faham theory, but more towards practical implementation sebab ultimately dulu mmg ada plan nak ada bisnes sendiri. So apa yg guide business owners bukan datang dr pembacaan saja, tapi datang dari pengalaman juga.
First full project yg mmg masuk into a company and buat a to z was with a frozen food company yg dh lama bertapak dkt Malaysia. Ada nk dkt 9 bulan gak dkt situ, setiap minggu ke sana 3 hari. Collect data analyze data, recommend action plan and monitor to make sure the company improve. Alhamdulillah lepas 9 bulan, company tu pn jauh lagi better.
Tapi mmg dh nampak dkt situ limitations byk sme dkt Malaysia ni. Ramai reti start business tapi nak sustain ada problem.
However habis project tu, aku punya main focus ubah kepada setting up my own financial Planning firm, . Masa tu tkde plan nk continue in advising businesses mcm mana nak improve their business sbb more focus on individual punya financial well-being.
Tapi lepas dpt a few business owner clients, suddenly perasan yg diaorg punya personal finance terlalu berkait rapat dgn the health of the business. Selagi bisnes ada problem, selagi tu personal akan ada isu. Jadi slowly start approach my clients to discuss how we can help them.
Alhamdulillah, mmg berjaya bantu a few (waktu terhad) utk get the business out of problems yg diaorg face.
In the past 12 months, dah berjaya bantu
1. A company yg 2018 sampai 2021 rugi average RM 20 ke 25k setahun, profitable in 2022 (72k) and profitable in 2023 (projected 150k). Dari xleh bayar gaji owner, sampai boleh bayar full dan bayar gaji staff.
2. Another owner nk tutup bisnes cafe dia. Tahun lepas rugi RM 63k. Lepas analyze the situation, bagi dia advice apa nak buat. Utk 2023 ni so far in profit. Exact amounts x tau tapi owner dh x decide utk tutup cafe dia.
3. Another owner yg tahun lepas tkleh bayar gaji dkt diri sendiri. Tapi this year boleh bayar and in the pass 5 months overall profit RM 60k.
4. Ada owner emosi nk cari office baru sebab owner kedai nk naikkan rental dari rm 2.5k jadi rm 4.3k. lepas explain dkt dia pasal implikasi dr segi cashflow and emergency funding for now sebab business tgh ada problem, dia terus tk jadi proceed. Jimat potentially dlm 100k in short term.
Byk lg contoh2 kalau nak share. Persamaan antara semua company ni, aku bukan expert dalam their respective industry. Tapi still boleh advice diaorg apa nak kena buat based on data and alhamdulillah mmg overall ada improvement.
Tp satu benda aku set dgn semua client bisnes owner aku, nk aku tgkkan business korang boleh jer, tp kena engage on personal financial planning dulu sebab korang buat bisnes pn utk matlamat personal gak. Kalau nk buat yg bisnes saja, awal2 aku reject.
Nk tahu lebih lanjut, boleh pm tepi mcm biasa.