Our relationship with money is deeply influenced by what we know and the experiences we have had. Just as our understanding of relationships, work, or personal growth shapes how we approach them, our financial habits are a reflection of our knowledge and values. Consequently, some people have achieved financial success. However, despite earning money from their jobs, businesses, or other activities, a large number of people still struggle financially.

We therefore provide training and consulting services in personal finance and family money management to assist individuals in overcoming financial obstacles, accumulating and safeguarding their wealth. Among the essential topics covered including:

  • Calculating your net worth
  • Managing cash flow (money in; money out)
  • Prioritizing expenses
  • Simplified budgeting
  • Handling debt
  • Building a portfolio of savings and investments to help you reach your financial goals
  • Risk management strategies to protect your personal finances and family wealth
  • Planning your estate for the future
  • CGCents App. This is a Personal Finance & Family Wealth Manager tool available on the Google Play Store to help you put these ideas into practice
  • Life assurance agency services

Benefits

To the individuals

  • Clarity of financial status and the knowledge about relevant financial goals for financial success.
  • Tactics for managing income, debts, taxes etc.
  • Saving and investments options relevant an individual.
  • Measures to protect family against risks and good estate planning.
  • Free information and linkage with approved financial sector institutions for effective implementation of your personal financial plan.
  • Individual goals aligned with those of employers/work and business ventures; increased motivation, improved work productivity and ultimate financial success.

To the employers

  • Improved productivity by self-motivated employees as they can now relate their financial goals with their performance.
  • Changed employee behaviours that could negatively affect job performance and the corporate results e.g. absenteeism from work, staff turnover, employer resources etc.
  • Increased employee presentism at work by physically being present and fully engaged.
  • Improved employer cash flow from reduced or lack of pressure for salary increments and advances.
  • Enhanced reputation of employer for corporate social responsibility.