The seminars are available to anyone including financial planners, and other professionals in the financial services industry who would like a set of the materials, participant's workbooks or the Family Financial Freedom book (discounts for volume purchases)You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
Building Your Financial Base Module 3 of Family Financial Freedom
1. Workshop
Module Three:
Building The
Saunders Learning Group, Newton, KS
Base
Saunders Learning Group, Newton, KS
2. Training from Saunders Learning Group
Saunders
Learning
Group
provides
a
variety
of
training
programs,
workshops
and
seminars
targeted
to
the
financial
services
industry.
If
you
are
financial
planner,
broker,
tax
preparer,
insurance
agent
or
banker
and
need
seminar
materials
for
client
presenta@ons,
contact
us
to
discuss
topics,
pricing
and
custom
development.
Programs
are
available
in
a
wide
range
of
topics,
and
we
are
specialists
in
developing
custom
programs
that
are
targeted
to
your
needs.
Contact
the
founder,
Floyd
Saunders
at
316-‐680-‐6482
or
at
floyd@floydsaunders.com
for
more
informa@on.
Saunders Learning Group, Newton, KS
3. Agenda
Laying The Foundation for Success
Developing the Structure
Building your Pyramid
Savings vs. Investing
Managing Risks
Updating the Action Plan
Saunders Learning Group, Newton, KS
4. “All
mankind
is
divided
into
three
classes:
those
that
are
immovable,
those
that
are
movable,
Saunders Learning Group, Newton, KS
and
those
that
move.”
-‐
Ben
Franklin
Movers
are
the
ones
who
take
ac@on,
the
immovable
are
siTng
around
scratching
their
heads
wondering
how
others
could
possibly
be
so
successful.
Which
group
do
you
want
to
belong
to?
subtitle 4
5. Laying the Foundation for Success
Financial Plan
Financial Foundation
Saunders Learning Group, Newton, KS
Insurance
Goals
Budget
Financial
Records
Net Worth
Life
Disability
Health
Property &
Liability
6. Savings Vs. Investing
! Savings
accounts
make
sense
as
a
way
to
build
on
your
founda@on
of
having
goals,
following
a
budget
and
insuring
yourself
from
risk.
Inves@ng
may
offer
a
greater
return,
but
at
a
higher
degree
of
risk.
! Savings
accounts
are
typically
insured
by
the
Federal
Government,
and
offer
a
stable
rate
of
return.
This
is
perfect
for
an
emergency
fund,
where
you
might
need
to
access
the
funds
quickly.
! Savings
Bonds
are
not
insured,
nor
can
you
access
the
funds
as
quickly
as
a
savings
account,
but
you
can
purchase
them
at
discount
to
the
face
value,
making
this
a
safe
and
secure
way
to
start
to
build
up
your
savings
accounts.
! Money
Market
Funds
from
a
bank
offer
federal
deposit
insurance
and
can
be
accessed
by
check.
Money
Market
funds
from
an
investment
company
are
not
insured
but
may
offer
a
higher
rate
of
return.
! Cer@ficates
of
Deposit
offer
a
higher
rate
of
return
and
are
insured.
You
money
is
on
deposit
for
a
specific
@me
period
(three
months
to
10
years).
Saunders Learning Group, Newton, KS
7. Investments
! Typical
investments
include
corporate
stocks
and
bonds,
mutual
funds,
Exchange
Traded
Funds
(ETFs),
real
estate
and
riskier
investments
like
op@ons,
futures
and
commodi@es.
! Inves@ng
in
securi@es
provides
you
with
an
addi@onal
tool
to
help
you
reach
your
financial
goals.
! Savings
accounts
create
a
secure
financial
founda@on
! Securi@es
have
historically
provided
be_er
protec@on
from
the
effects
of
infla@on
and
taxes,
by
earning
be_er
returns
than
savings
accounts.
! To
be
financially
free
from
worry
and
to
plan
for
re@rement
you
will
need
a
mix
of
income
from
social
security,
company
pensions,
savings
accounts
and
investments.
Saunders Learning Group, Newton, KS
subtitle date 7
8. Building Your Pyramid
Now
add
low
risk,
stable
return
savings
to
your
pyramid
with:
Financial Plan
Financial Foundation
Saunders Learning Group, Newton, KS
Insurance
Goals
Budget
Financial
Records
Net Worth
Life
Disability
Health
Property & Liability
Insured
Savings
Accounts
Savings
Bonds
EE & HH
Money
Market
Funds
Certificates
of Deposit
Low Risk
Rate
Of
Return
9. Annuities and Government Securities
! Insurance
companies
offer
a
range
of
annuity
products
that
have
a
secure
rate
of
return
with
various
maturi@es.
Also
included
in
annui@es
are
variable
annui@es,
where
the
rate
of
return
is
not
fixed
and
the
insurance
company
invests
the
principle
amounts
in
a
pooled
investment
with
the
goal
of
providing
a
greater
return.
! Government
securi@es
include
U.S.
Treasury
bills
and
notes,
sold
at
ac@on
and
resold
in
a
secondary
market.
This
allows
an
investor
to
purchase
securi@es
that
offer
a
be_er
return
than
a
savings
account,
may
be
tax-‐free
and
comes
with
some
risk
(Interest
rate
risk).
! Government
bonds
have
longer
maturi@es
and
are
also
resold
in
a
secondary
market.
! Many
mutual
funds
are
available
that
invest
in
a
range
of
government
securi@es
allowing
an
individual
investor
to
have
their
money
professionally
managed.
Saunders Learning Group, Newton, KS
subtitle date 9
10. Adding to Your Pyramid
Once
you
have
created
your
savings
founda@on,
you
can
start
to
invest,
adding
low
risk
investments.
Financial Plan
Financial Foundation
Saunders Learning Group, Newton, KS
Insurance
Goals
Budget
Financial
Records
Net Worth
Life
Disability
Health
Property & Liability
Insured
Savings
Accounts
Savings
Bonds
EE & HH
Money
Market
Funds
Certificates
of Deposit
Low Risk
Rate
Of
Return
Variable
Annuities
Government Securities
Treasury Bills & Notes Bonds Mutual Funds
11. Risk vs. Return Investments
! As
the
risk
level
of
an
investment
increases,
the
poten@al
return
usually
increases
as
well.
! Investments
in
stocks,
bonds,
mutual
funds,
real
estate
and
various
commodi@es,
op@ons,
futures
and
foreign
exchange
transac@ons
do
not
come
with
insurance.
! While
most
of
us
would
like
to
see
be_er
rates
of
return,
it’s
important
to
understand
the
risk
of
losing
your
principal.
! By
building
up
a
solid
founda@on
with
low
risk
investments,
most
consumers
can
now
comfortably
take
on
the
risk
of
inves@ng
in
securi@es
that
are
not
insured.
Saunders Learning Group, Newton, KS
12. Add Investments with Higher Returns & Risk
Now
add
to
the
mix
stocks,
bonds,
mutual
funds
and/or
real
estate
Stocks, junk bonds, mutual funds
Stocks and Bonds Mutual Funds
Financial Plan
Aggressive Growth
Real Estate
High Quality
Financial Foundation
Saunders Learning Group, Newton, KS
Medium Risk
Insurance
Goals
Budget
Financial
Records
Net Worth
Life
Disability
Health
Property & Liability
Insured
Savings
Accounts
Savings
Bonds
EE & HH
Money
Market
Funds
Certificates
of Deposit
Low Risk
Rate
Of
Return
Variable
Annuities
Government Securities
Treasury Bills & Notes Bonds Mutual Funds
13. Hitting the Peak of the Pyramid
! Investments
at
the
top
of
the
pyramid
should
only
be
a
small
part
of
your
overall
investments
(Perhaps
5-‐15%).
! With
these
investments,
you
have
the
poten@al
of
losing
your
en@re
investment,
and
the
chance
of
higher
returns.
! Markets
in
these
securi@es
change
quickly,
so
you
either
have
to
be
an
ac@ve
trader
or
work
with
a
trusted
broker.
! In
some
cases
futures
contracts
or
op@ons
on
these
contracts
act
a
form
of
insurance
for
other
risks
in
your
investments.
For example, if you own 100 shares of IBM, you might be able to sell an
option (known as a “Covered Call Option” for those shares at specific
price. If your shares never increase in value to the value of the
covered call, you retain your shares and the proceeds of the option.
You do however have the risk of having the option purchaser exercising
the option and buying your shares.
Saunders Learning Group, Newton, KS
14. Speculative Trading – Futures, Collectibles
Specula@ve
trading
is
not
inves@ng,
it’s
taking
bigger
risks
for
the
poten@al
of
Futures
High Risk
greater
returns,
but
realize
Contracts
your
en@re
investment
can
Options, and
Collectibles
be
lost
overnight!
Stocks, junk bonds, mutual funds
Stocks and Bonds Mutual Funds
Financial Plan
Aggressive Growth
Real Estate
High Quality
Financial Foundation
Saunders Learning Group, Newton, KS
Medium Risk
Insurance
Goals
Budget
Financial
Records
Net Worth
Life
Disability
Health
Property & Liability
Insured
Savings
Accounts
Savings
Bonds
EE & HH
Money
Market
Funds
Certificates
of Deposit
Low Risk
Rate
Of
Return
Variable
Annuities
Government Securities
Treasury Bills & Notes Bonds Mutual Funds
15. Managing Risks
“The
safe
way
to
double
your
money
is
to
fold
it
over
once
and
put
it
in
your
pocket”
–
Frank
Hubbard
! But
if
you
want
to
build
true
financial
freedom
for
yourself
or
your
family,
you
need
to
apply
the
principle
of
the
investment
risk
pyramid
to
build
a
stable
founda@on
for
addi@onal
inves@ng.
! This
is
not
the
“Get
Rich
Quick”
approach
that
you
might
want,
but
it
is
a
proven
common
sense
approach
to
building
financial
freedom
over
@me.
! The
more
you
know
about
seTng
goals,
budge@ng,
protec@ng
your
family,
savings
and
inves@ng
the
closer
you
will
come
to
having
true
financial
freedom.
Saunders Learning Group, Newton, KS
16. Financial Freedom – One Brick at a time
Futures
Contracts
Options, and
Collectibles
High Risk
Stocks, junk bonds, mutual funds
Stocks and Bonds Mutual Funds
Financial Plan
Aggressive Growth
Real Estate
High Quality
Financial Foundation
Saunders Learning Group, Newton, KS
Medium Risk
Insurance
Goals
Budget
Financial
Records
Net Worth
Life
Disability
Health
Property & Liability
Insured
Savings
Accounts
Savings
Bonds
EE & HH
Money
Market
Funds
Certificates
of Deposit
Low Risk
Rate
Of
Return
Variable
Annuities
Government Securities
Treasury Bills & Notes Bonds Mutual Funds
18. Post Workshop Action Plan
! Refer
to
your
workbook
to
update
your
ac@on
plan
Saunders Learning Group, Newton, KS
18
19. Reference Material
Saunders Learning Group, Newton, KS
Family Financial Freedom
140 pages
ISBN 978-1-60-746269-9
Available Formats:
6"x9" paperback
PDF download
eBook download
Link to order:
http://www.fastpencil.com/publications/4498-Family-Financial-Freedom?
tid=bookbuy#read_book
Also available on Kndle, Nook, iPad and other popular e-readers can be ordered
from Amazon or Barnes and Noble in paperback (available soon).
Book summary: You might be struggling to make ends meet, but
achieving true financial freedom is still possible. The good news is virtually
anyone with a desire to learn and the willingness to plan can achieve a
considerable degree of financial security.
This book is a road map to the personal financial freedom you want and
deserve. There are no quick-rich schemes here, just common sense advice on
how to manage your money, protect your family from risks and start making
the moves to being more financial secure.
20. Family Financial Freedom Seminars
• This series of seminars on family financial freedom is available to all trainers,
educators and professional advisors in the financial services industry.
• The series of seminars can be taught with or without the book, “Family Financial
1. GeTng
Started
2. Making
Your
Money
Work
For
You
3. Building
the
Base
4. Securing
the
Base
5. Financing
Your
Future
Saunders Learning Group, Newton, KS
6. Mutual
Funds
7. Real
Estate
8. Your
investments
9. Re@re
in
Comfort
10. Passing
On
Your
Wealth
11. How
Professional
Can
Help
Freedom”.
• Here is a full listing of seminar topics:
• A leader’s guide and participant’s workbook is also available.
Order your copy from Scribd
• Contact the author, Floyd Saunders for pricing and order details to
purchase the entire series of seminars: floyd.saunders@yahoo.com