Financial planning for business owners

•

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Neeraj Chauhan, CFP

Financial planning for business owners who want to have a planned approach towards their work and personal finance.

Economy & Finance

Financial Planning
for
Business Owners
By
Neeraj Chauhan, CFPcm
20-03-2014 www.thefinancialmall.com 1

Best Company
20-03-2014 www.thefinancialmall.com 3

Some Pitfalls
No Written
Plan
Common
Money Pool
No
Investment
Planning
Insufficient
risk
management
No exit
strategy
20-03-2014 www.thefinancialmall.com 4

Planned v/s Reactive
20-03-2014 www.thefinancialmall.com 5

Me & My
20-03-2014 www.thefinancialmall.com 6

Investments Concentration
Business
Real
Estate
20-03-2014 www.thefinancialmall.com 7

Passing Baton
20-03-2014 www.thefinancialmall.com 9

Ignorance can lead to fall
20-03-2014 www.thefinancialmall.com 10

Make a Plan
20-03-2014 www.thefinancialmall.com 12

Peter Drucker said that Profit is the
benchmark of success in business. But it
is well recognized that planned revenues
will be greater then unplanned revenues
and planned expenses will be less than
unplanned expenses and so planned
profit will be greater than unplanned
profit. So if Profit is the benchmark of
success than Peter Drucker is telling us to
engage in Planning.
20-03-2014 www.thefinancialmall.com 13

Keep it Separate
Personal
Business
20-03-2014 www.thefinancialmall.com 14

It’s your Business-- & your Life
Pay yourself a salary
Redeployed money should either be treated as loan
or Equity
Take out at least 20% of profits from firm to invest
Calculate ROI on capital ploughed back in business
Prepare a net worth statement for self and do
Business Evaluation
20-03-2014 www.thefinancialmall.com 15

Leverage in Limits
Monthly
Debt
Payment
or EMI
Monthly
Income
Debt to
Income
Ratio
20-03-2014 www.thefinancialmall.com 16

Track Expenditures
20-03-2014 www.thefinancialmall.com 17

Diversify
Physical
Assets
• Real Estate
• Gold/Silver/Commodity
• Vehicles
Financial
Assets
• Equity
• Debt
• Foreign Currency
20-03-2014 www.thefinancialmall.com 18

Cover Yourself & Assets
20-03-2014 www.thefinancialmall.com 19

Retirement
It’s not uncommon for
business owners to
assume they will never
retire.
41% people have plan
for sustaining the
lifestyle after
Retirement.
20-03-2014 www.thefinancialmall.com 20

Plan your Exit Strategy
Conceptualize
and Document a
Succession Plan
Groom the next
generation
Avoid
uncertainty and
conflict
20-03-2014 www.thefinancialmall.com 21

Thank you
20-03-2014 www.thefinancialmall.com 22

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