What you know and have experienced with money has a significant impact on your relationship with it. Just as your understanding of relationships, work, and others influences how you approach them, your financial habits reflect your knowledge and values. As a result, some people have become financially successful while others have not. Despite earning money via jobs, businesses, and other sources, many people continue to struggle financially. The main cause of this gap is lack of financial literacy. For example, studies show that 76% of Kenyans are not financially healthy (GSM Association Study) and this is partly attributed to poor financial literacy where 38% of Kenyans are financially illiterate (EFG Hermes’ 2021 Global Savings Survey).
To bridge the gap, we provide the following customized solutions to help people overcome financial challenges, accumulate, and safeguard their wealth:
- Individual and Corporate Physical Training on Personal Finance and Family Wealth Management
- Individual and Family CGCents Financial Planning Consultancy
- CGCents App Financial Manager
- Digital Course on Personal Finance and Family Wealth Management
Physical Individual and Corporate Training
We help individuals and corporate staff to improve financial literacy by offering personal finance and family wealth management training in the following areas.
- Why You Must Make a Money Paradigm Shift
- Determining the Value of Your Estate (Net Worth)
- Managing Your Cash Flow
- Budgeting and Controlling Your Expenditure
- The Temptation into and How to Get out of Debt
- Effect of Time on the Value of Your Money
- Making Saving and Investment Decisions
- Building Wealth Through Savings and Investments
- Networking, Insurance and Retirement Schemes
- Estate Planning
- Paying for Your Expenses, Savings and Investments
Get Your Financial Plan Done
We help individuals and families to prepare and continuously updated their financial plan. The CGCents financial planning solution covers the following sections.
- Initial Statement of Net Worth.
- Initial Cash Flow Statement.
- Emergency Fund Plan.
- Debt Payment Plan.
- Financial Goals.
- Statement of Cash Flow Budget.
- Statement of Cash Flow Budget Vs Actual.
- Annual Statement of Net Worth.
- Checkpoints on Financial Success Journey.
- Estate Planning Schedules of Assets.
- Estate Planning Schedules of Liabilities
Automate Your Financial Plan and Budget
CGCents app is a stress-free, simple and digital app that helps you to use technology to manage your personal finances and family wealth. As a trusted financial partner, the app helps you to:
- Determine your net worth (value of your estate). The app allows you to enter the amounts, view the status and analysis of your net worth.
- Know your current spending pattern and manage your cash flow better. The app allows you to enter the amount of income and expenditure, view the analysis of your spending pattern/habits and make important spending decisions based on what you value.
- Use a simplified budgeting process. The automated budget process helps you to classify your expenses to what is essential, important but not essential, and not essential or important; optimize your budget; add your monthly actual expenditure and view budget reports.
- Calculate the amounts of your financial goals and automatically link the values to the budget.
Create your account and use the most user friendly CGCents app
Digital Courses
We offer digital personal finance and family wealth management course in a way that is convenient to you. You can tune in to the full course or select the preferred lesson(s) anytime from the comfort of your office, home, holiday, in traffic or wherever you maybe in the world – you just need an electronic gadget and Internet. Certificates are awarded on-line automatically after successful training.