Feracious Financial Planning

Feracious: Producing in abundance; fertile, fruitful. Etymology: [L. ferax, -acis, fr. ferre to bear.]

The Game Plan

The Game Plan is a feracious financial plan.

Our Values: Integrity and Transparency.

Built upon values rooted deeply with our founders.

“The principal purpose of financial planning should be to make money for the client, not for the investment companies nor their agents. The aim should be to make the client richer, not to extract riches from the rich to tap into for fees. There should be a wall between planning and money. We need flawless transparency and integrity.”

– Steve Conley, founding lead of the Market Integrity Team of the Transparency Taskforce.

Our values are at the heart of our business, the Academy of Life Planning. Paired with a passion for expertise and empowerment for all.

The Game Plan is activated with a customer-directed open-banking-powered financial planning application, coupled with learning from our extensive financial education content library.

Our initial assumption is that everyone can improve their financial well-being with the right support and that support needs to be democratised urgently.

The solution is to help people make money, not to take money away from them.

Poverty is rising.

“The pandemic, rising inflation, the impact of war in Ukraine, and climate-related disasters are increasing levels of poverty in the world.” United Nations Sustainable Development Goal number 1- end poverty in all its forms everywhere. Goal 1 | Department of Economic and Social Affairs (un.org)

The 2030 Agenda acknowledges that eradicating poverty in all its forms and dimensions, including extreme poverty, is the greatest global challenge and an indispensable requirement for sustainable development. Poverty eradication | Department of Economic and Social Affairs (un.org)

A priority action on poverty eradication is to improve “access to sustainable livelihoods, entrepreneurial opportunities and productive resources.”

The Game Plan identifies your productive, vitality, and transformational resources to leverage entrepreneurial opportunities, access sustainable livelihoods and create wealth.

It’s available for all, and you can start with nothing in the bank.

Invest in yourself.

We don’t sell investments; here you are, the investment!

“The best investment you can make is in yourself… The more you learn, the more you earn… if you’ve got talents, no one can take them from you.” – Warren Buffet.

“The best investments you ever make are investments in yourself – and your education. Those investments always pay big dividends.” – Donald Trump.

“Investing in yourself is the best investment you will ever make. It will not only improve your life, it will improve the lives of all those around you.” – Robin S. Sharma.

The Game Plan is accessible to all; it is free to download and for anyone to begin to create wealth. All you need to invest is your time.

We begin with self-knowledge. Know your values (what’s important to you) and your talents (assets that cannot be taken away).

According to London Business School professors Lynda Gratton and Andrew J Scott, authors of The 100-year life, living and working in an age of longevity, we each have three types of intangible assets where we must gather data, evaluate status, and form strategies in financial planning.

Productive assets: These assets help an individual become productive and successful at work and boost income (and create wealth), e.g., skill, knowledge, location, time, energy, contacts, character, etc.

Vitality assets: These assets are vital. Mental and physical health and well-being, e.g., friendships, positive family relationships and partnerships, personal fitness, and lifestyle choices.

Transformational assets: These assets help you cope with change. They are self-knowledge, the capacity to reach out into diverse networks, and openness to new experiences.

We later explore entrepreneurial opportunities with our Ikigai proposition development framework.

Ikigai (Reason for being) is the nexus of: what you are good at (talents) + what you love (passion) + what the world needs (planet) + what you (or others) get paid for (profit).

We drop the resulting future profit and corresponding asset valuation into the lifetime cash flow analysis as a what-if scenario.

The result is a sustainable livelihood for all and wealth creation for all.

When you have enough, invest in others.

Here is the threshold hypothesis.

When you have insufficient wealth, twice as much wealth can make you twice as happy. As you approach the comfort zone (a), increases in well-being start to be smaller in relation to increases in your consumption. Eventually, well-being gains level out. Excess consumption (b) can often result in a reduction in your well-being.

Enough is the responsible well-being consumption level.

Everyone would do well to know what is that comfort number. It can vary from one household to the next. For many, it is a sustainable livelihood of around £75,000 per annum.

Anyone with a sustainable livelihood producing income above threshold (b) has achieved financial freedom.

They could choose to use the excess income for their future self or to help others.

Many choose to save for their future, assuming that earned income stops at retirement.

Retire from work but never retire from meaningful projects. If you retire from meaningful projects, your well-being falls sharply. Those projects may generate revenue.

In Okinawa, Japan, they have a saying, “Retire, and death soon finds you.”

Your Ikigai project can be work that doesn’t feel like work from which you never wish to retire.

When you are confident of your future liabilities and your life plan is a sustained responsible level of well-being, and your lifetime cash flow forecasts a low risk of outliving your capital, you are assured of a lifetime of financial freedom.

Consider channelling excess income and capital into meaningful projects.

The next step is to know the gift you have for the world, find your tribe, and collaborate with them to make the world a better place for you having lived.

As Stephen R. Covey put it:

“Live, love, learn, leave your legacy.”

Our legacy:

To democratise “money-making” financial planning, empower people to save the money they make, and use excess money to help other people.

If you want to help end world poverty in all its forms everywhere, why not join our tribe?

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