Kenapa pentingnya ada goals dalam kewangan?
Bulan lepas, ada dapat satu message from a new prospect yg di refer dari one of my clients. Dia cakap yg dia dah lama sembang with my client about my services, tapi never made the first move to contact me to inquire more.
Masa dia contact tu, dia cakap, sebelum ni dia rasa financial dia ok, tapi my client dok cakap dkt dia, if you don’t have a goal, macam mana you tau yg your financial ok ke tak?. Tengok, my clients pun boleh educate kawan2 diaorang pasal mcm mana nak uruskan kewangan…
So, untuk pendekkan cerita, dia jadi nak engage dan dia share all his financial data.
Hari ni baru present report dia. Summary of the report, sebab income dia tinggi, keadaan sekarang dia sihat, maksudnya selagi dia bekerja, belanja akan cukup, hutang boleh manage etc.
Tetapi, isunya adalah di masa hadapan.
1. Funding utk retirement x ckp. Ada 16 tahun lagi, and funding gap yg agak besar.
2. Gap utk protection for kematian, lumpuh kekal, penyakit kritikal semua ada, and besar.
3. Wasiat and pengurusan harta pusaka tak start pun lagi.
4. Funding utk anak2 punya education pun x ckp.
Good news, kalau susun betul2 current resources dia, all the gaps can be covered and masa yg ada masih panjang.
Bad news pulak, kalau client ni jenis degil, and tak committed, kemungkinan besar kena kerja even lepas retirement age ataupun kena review balik his goals.
Dia pun cakap lepas present report dkt dia, yg dia ada a better understanding of his financials now compared to before. And dia bgtau, ada lagi seorang kawan dia berminat juga, tapi dia malu nak contact sebab takut financial dia koyak. Aku cakap, nk takut apa, takkan kalau sakit malu nak jumpa doktor kan? Mana tahu lepas jumpa financial planner, semua jadi ok balik. Usaha lah dulu baru tawakal.
Ada sesiapa di luar sana berminat nak tahu lebih lanjut pasal servis financial planning ke? Boleh PM utk book sesi pertama yg percuma.