This document outlines Janice Payoyo's presentation on holistic financial planning. It introduces Janice as a financial planner and life coach who aims to help clients achieve meaningful lives, not just wealth. The presentation covers defining holistic financial planning, addressing basic needs like insurance, family finances, goal-setting, and Janice's solutions for building savings from nothing. It emphasizes starting young, prioritizing insurance, education, retirement, and using investments and passive income to supplement living expenses over time.

1. By Janice M. Payoyo

2. • Financial Planner
• Life Coach
• 8 years in the industry
• My goal for my clients is not just to have lots
of money, but also to live a meaningful life

3. Presentation Outline
• Introduction
• What is Holistic Financial Planning?
• Basic Financial Needs
• Family and Money
• My Solutions
• From Plan Zero
• What’s Next?

4. What are your
DREAMS?

5. Where there is no
vision, people
perish
Proverbs 29:18

6. Lay out all goals
even before you make step 1.
Viktor Frankl
Man’s Search for Meaning

7. How I Started
The poor and middle class all too often allow
the power of money to control them. By
simply getting up and working harder, failing to
ask themselves if what they do makes sense,
they shoot themselves in the foot as they leave
for work every morning. And they don’t ask if
there is a better way.

8. Traditional “Financial Planning”
• Starts and ends with getting financial products
• Most agents disappear after the sale
• Most clients don’t understand even the basic
benefits of their financial plan
• Clients make very little lifestyle changes in
order to achieve bigger financial goals

9. Holistic Financial Planning
-Clients must see life as a whole first, and realize
how money affects all aspects of one’s life
-Financial goal targets are set and client makes a
lifelong commitment to reaching these goals
-Constant review of financial plan through the
years
-Continuous Financial Literacy through the
website, e-mails, discussions, and seminars

11. Life Insurance shows GRATITUDE to
your Parents and Family

12. Marriage involves a PROMISE not only
to LOVE but also to PROVIDE.
Do not get married to anyone with
LESS THAN Php 5M insurance.

13. …because…What will happen if your
spouse dies and leaves you with 3
children?
Life Insurance should be the
foundation of every family’s
financial plan.
It gives you 100%
GUARANTEE that YOU WILL
BE ABLE TO PROVIDE FOR
YOUR FAMILY NO MATTER
WHAT.

15. Education

16. Retirement
• What if you retire at age 65 and live until age
80?

17. Other Financial Needs

18. Your money greatly determine the
quality of life that your family will
have:
-How much time you can spend with you family
-Whether you have to go abroad to provide for
your family
-Where your family will live
-Where your children will go to school
-Social Interactions

19. Start Young

20. My Solution:
• Save up to get Php 1M the soonest time
possible
• Once you get Php 1M, enjoy your “Passive
Income”
• -if the mutual funds will earn an average of
10% each year, your Php 1M can give you
Php 100,000 per to supplement your income

21. Php 170 per day
• You will get approximately Php 1M by year 12
• Will give you insurance coverage of Php 1M
• Guaranteed Php 1M cash in case of critical
Illness (insurance coverage will be advanced)
* Insurance rates vary depending on age. Minimum investment is Php 1,500 per month.

22. From Plan Zero
• Story about a client
• Most common question: What will happen if I
stop paying?
• Importance of support group who will
encourage each other to reach goals

23. What’s Next?
-One on one Consultations
-Process as a group and discuss technical side of
investment

24. www.janicempayoyo.com
www.slideshare.net/
janicepayoyo
www.slideshare.net/
teacherjanice81
O917-5050382