InSync Financial Services

02/08/2023

Sonja Linde is a CERTIFIED FINANCIAL PLANNER ® professional.

InSync Financial Services is an independent financial planning company dedicated to providing comprehensive financial planning solutions that allow you the opportunity to make informed decisions, ensuring the Protection and Creation of Wealth for you and your family.

Email: [email protected]

Phone: 021 782 4988

Mobile: 083 677 1676

Address:
Office 211B
Valyland Centre
Upper Recreation Road
Fish Hoek
7975

Insync Financial Services (Pty) Ltd reg number: 2012/062329/07

FSP license number: 43961

Sonja Linde is a CERTIFIED FINANCIAL PLANNER ® professional.

02/08/2023

InSync Financial Services is an independent financial planning company dedicated to providing comprehensive financial planning solutions that allow you the opportunity to make informed decisions, ensuring the Protection and Creation of Wealth for you and your family.

Email: [email protected]

Phone: 021 782 4988

Mobile: 083 677 1676

Address:
Office 211B
Valyland Centre
Upper Recreation Road
Fish Hoek
7975

Insync Financial Services (Pty) Ltd reg number: 2012/062329/07

FSP license number: 43961

Sonja Linde is a CERTIFIED FINANCIAL PLANNER ® professional.

26/07/2023

Free Resources
Below are a few FREE resources that you can access using the ‘download’ button:

ICE Template Download
Budget Template Download
To do list – When a loved one dies Download

https://insyncfs.co.za/services/free-resources/

26/07/2023

Fiduciary Services
LAST WILL & TESTAMENT
Having an updated will is extremely important. It is advisable to make this part of your financial planning process as this will ensure that your financial plan and last will and testament “work together” and offer the same outcome on your death.

There is a saying: “An outdated will can be more dangerous than no will at all”. This is especially true when it comes to the protection of assets for your financial dependents. Kindly ensure your will is reviewed on a regular basis, especially if you had any major life changing events; such as marriage, divorce, birth of children, death of dependents etc.

https://insyncfs.co.za/services/wills-deceased-estates/

26/07/2023

Wealth Protection
Comprehensive financial planning includes protecting your wealth against all of life’s unforeseeable eventualities such as untimely death, temporary or permanent disability, severe illness or even just ill health. While you are still accumulating your wealth, i.e. repaying your home debt and saving for your retirement years, your most valuable asset is you and your ability to generate an income. Unforeseeable eventualities have the ability to cause huge financial losses for you and your family.

Wealth Protection focuses on the following main aspects:
Risk (insurance) Products including: death, disability, income protector, severe illness cover, etc.;
Estate Planning;
Health Care & Gap Cover;
Short Term Insurance;
Last Will & Testament.

https://insyncfs.co.za/services/wealth-protection/

26/07/2023

Wealth Creation
Wealth Creation is an important part of any comprehensive financial plan. Many people feel that investing is too risky or complicated and is only appropriate for wealthy or experienced people. However, the truth is that investing is for everyone.

SIMPLIFYING WEALTH CREATION
At InSync Financial Services we aim to simplify this area of your financial planning and assist clients in making informed decisions, thereby removing the anxiety surrounding investments. Investing can get complicated and there are many factors that need to be taken into account, including: liquidity requirements, tax consequences, investment goals, and the investment horizon. We take a broader view than many when it comes to creating your wealth.

We understand and support the fact that all clients’ needs are different and their wealth creation plans differ. When looking at your financial plan we will take into account any assets that you have acquired. This could include, but is not limited to, assets such as: retirement annuities, group retirement funds, unit trusts, endowments, share portfolios, money market accounts, business interests and property portfolios.

Wealth Creation focuses on the following main aspects:
Retirement Products including: Retirement Annuities, Pension & Provident Funds, and Preservation funds;
Investment Products including: unit trusts, endowments, share portfolios, offshore investments etc.;
Debt Management.

26/07/2023

Financial Planning
Financial planning is not only about the money and creating wealth. It is ultimately about assisting your clients to make informed decisions, through a process of communication, education and implementation, to achieve their goals and dreams.

To do so, attention must be paid to creating a relationship of trust between the client and the financial planning business. This can be achieved if the business provides an ethical foundation of sound legal, technical knowledge, good business skills and a focus on excellent service.”

Taken from the introduction of “Business Management for Financial Planners” by Lee Rossini and Johann Maree

THE 6 STEP PROCESS TO CREATING AND PROTECTING WEALTH1. Establish Relationship
At the first client meeting we hope to Define & Establish a working relationship. It is important for us to ensure that InSync’s financial planning philosophy & skill set will be beneficial to a client. It also provides a relaxed environment to ask questions and determine if the client & financial planner would be a good fit for each other. As your financial plan is a life-long ‘work-in-progress’, it is important to be comfortable with your financial planner.

2. Financial Needs Analysis
A Financial Needs Analysis is an analysis of your current financial position and objectives. We will gather information about your income and expenses, assets and liabilities, your investments and insurance policies. We use this information to assist you in setting your financial planning goals and objectives.

3. Analyse and Evaluate
We then use the above information to Analyse & Evaluate your financial planning position. Using financial planning software we will evaluate the shortfalls and excesses in your financial portfolio as well as highlight your high, medium and low financial risks.

4. Develop and Present
Based on our analysis we will Develop & Present a financial plan to you. The solutions provided will take into account your personal situation, financial objectives, costs and any tax consequences. The personal financial plan will highlight and address the financial planning needs within all 6 ‘areas’ of creating & protecting wealth.

5. Action
Once we have agreed on which recommendation will be carried out, we will gladly assist you in Implementing the agreed upon solutions.

6. Review and Monitor
Our role as financial planners is to help you prioritise and plan for different events in your life that will have a financial impact on you or your family. In order to do this, we need to meet regularly, at least annually, to ensure that your financial plan remains relevant to your needs.

28/06/2023

Financial Planning
THE 6 STEP PROCESS TO CREATING AND PROTECTING WEALTH
1. ESTABLISH RELATIONSHIP
At the first client meeting we hope to Define & Establish a working relationship. It is important for us to ensure that InSync’s financial planning philosophy & skill set will be beneficial to a client. It also provides a relaxed environment to ask questions and determine if the client & financial planner would be a good fit for each other. As your financial plan is a life-long ‘work-in-progress’, it is important to be comfortable with your financial planner.
2. FINANCIAL NEEDS ANALYSIS
A Financial Needs Analysis is an analysis of your current financial position and objectives. We will gather information about your income and expenses, assets and liabilities, your investments and insurance policies. We use this information to assist you in setting your financial planning goals and objectives.
3. ANALYSE AND EVALUATE
We then use the above information to Analyse & Evaluate your financial planning position. Using financial planning software we will evaluate the shortfalls and excesses in your financial portfolio as well as highlight your high, medium and low financial risks.
4. DEVELOP AND PRESENT
Based on our analysis we will Develop & Present a financial plan to you. The solutions provided will take into account your personal situation, financial objectives, costs and any tax consequences. The personal financial plan will highlight and address the financial planning needs within all 6 ‘areas’ of creating & protecting wealth.
5. ACTION
Once we have agreed on which recommendation will be carried out, we will gladly assist you in Implementing the agreed upon solutions.
6. REVIEW AND MONITOR
Our role as financial planners is to help you prioritise and plan for different events in your life that will have a financial impact on you or your family. In order to do this, we need to meet regularly, at least annually, to ensure that your financial plan remains relevant to your needs.