Janice M. Payoyo outlines her approach to holistic financial planning, which considers clients' life goals and dreams in addition to accumulating wealth. Her presentation covers building an estate through investments that create guaranteed funds, analyzing business cash flow, and ensuring liquidity. She advocates for "forced savings" of 170 pesos daily to accumulate 1 million pesos in 12 years for insurance and investment purposes. The summary emphasizes planning for clients' whole lives and multiple generations rather than just selling financial products.

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
• Building an Estate
• Cashflow Analysis
• Liquidity
• Forced Savings
• Summary

4. What are your
DREAMS?

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

6. Habit #2
Begin with the End in Mind
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 changes in order to
achieve bigger financial goals

9. Holistic Financial Planning
-Clients must see one’s life and business operations as a
whole first, and realize how money affects all aspects of
one’s life and business
-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

10. BUILDING AN ESTATE

11. The productivity of estate is
measured by:
• How much money you and your family
will enjoy during your lifetime
• How much you have invested in the lives
of your employees and in the society
• For how many generations the estate will
last

12. GUARANTEED ESTATE
40% or Times 100?*
If you have Php 1,000,000
If you have Php 1,000,000…
Given a good investment year you can earn about 40% in one year.
If you will use this money to buy your insurance, you will create a
guaranteed estate that is times 100 of your money or Php 100M.
AGE Sum Assured Multiple
21-25 140
26-30 120
31-35 100
36-40 80
41-45 60
46-50 40

13. Key Man
• Is the “Brains” of the Business
• Most businesses are very
dependent on the Key Man for it’s
cashflow
• A lot of businesses die when the
Key Man dies

14. Business Cash Flow
Operations

15. Most business owners even
borrow money just to get hold of
opportunities

16. How Liquid is your Business?
• Will you be able to get money from your
business in case of EMERGENCIES?

17. Will you be able to get money for
major expenses like the EDUCATION of
your children and your RETIREMENT?

18. Will you have enough cash to pay
for ESTATE TAX?

19. Set aside small portions of your income for your
personal and business financial needs
Do not wait for your business to BOOM before you
save because you are not sure when that will come
MY SOLUTION : FORCED SAVINGS

20. My Solution:
• “Plant” Php 1M at a time
• 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 year to supplement your income
EARLY PENSION!

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.

22. Looking at another angle:
• If you are confident that
money will come everyday,
you don’t need much savings,
only life and health insurance
• This doesn’t mean that you
should have zero savings.
Having insurance just allows
you to invest more for
opportunities and enjoy your
money more because you
have security for the
uncertainties of tomorrow.

23. To Summarize:
Planning your personal and business finances:
-Gives you a clear picture of the estate that you are building
and increase the likelihood that it will last for generations.
-Will allow you to get hold of opportunities and at the same
time remain liquid enough to meet financial needs
-Gives you alternative sources of income which you can rely
on especially when business is down
-Guarantees cashflow into your business in case of death of
the key man; Makes you a reliable keyman of the business

24. www.janicempayoyo.com
O917-5050382