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Wealth Strategy Book

 

Rands and Common Cents

- Getting Your Financial House in Order

In Rands and Common Cents we outline the proven money management blueprint that we use in our financial planning business, known as The Wealth Navigator Blueprint™ (WNB™). We have seen first-hand how successful this system has been for our clients, and now we would like to share it with you.

 

The WNB™ is a step-by-step formula that enables individuals and families to design their own financial road map and ultimately navigate their way to financial independence

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Our purpose in writing Rands and Common Cents is to bring simplicity back to managing your personal finances.

 

This is done by providing you with a step-by-step blueprint to get your financial house in order, with the ultimate goal of achieving financial freedom. 


The Wealth Navigator Blueprint can be adapted to suit each person's unique financial journey.

 

The basic road map is laid out, but the final route is dependent on where you currently are, where you want to get to and how quickly you are willing to travel. 


 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

This book aims to help answer some of the most common questions we get from clients, namely· 

  • Should I add to my investments or pay off my existing debt?

  • How can I optimise my retirement savings? 

  • How do I structure my affairs tax efficiently? 

  • How much life insurance do I really need? 

  • When should I consolidate and be more cautious, and when can I afford to take on more risk to fast track my progress? 

Broke is a state of wallet, poor is a state of mind. With the right mindset and plan. you can achieve all of your financial goals, regardless of how much money you currently have.

 

This book is your starting point and becomes a reference guide. 

"This book is an invaluable guide that everybody needs to read"

Specific topics covered in the book:

 

Introduction to the Wealth Navigator Blueprint

 

  • Why having a system is so valuable

 

  • 4 Reasons why people don't have a financial plan

 

  • The 4 phases of your financial journey

Hard copy

R200

Hard copy

R200

eBook

R100

eBook

R100

  • 7 Steps to drafting your will & 8 requirements for a valid will

  • Recommendation for dealing with medical aids and short term insurers

  • How much risk cover (life cover, disability & critical illness) you really need

  • How to develop your own estate plan including 4 tools and techniques that can be used to decrease your estate duty

PHASE 1:

Financial Security

  • 7 Steps to drafting your will & 8 requirements for a valid will

  • Recommendation for dealing with medical aids and short term insurers

  • How much risk cover (life cover, disability & critical illness) you really need

  • How to develop your own estate plan including 4 tools and techniques that can be used to decrease your estate duty

PHASE 2:

Predictable Life Events

  • 4 Strategies to increase your income at retirement

  • How to develop a simple yet effective retirement plan, including how to calculate how much is enough

  • How to annihilate short term 'bad' debt using the Snowball and Avalanche methods

PHASE 3:

Springboard to Financial Independence

  • Why an emergency savings account is so important to have, and the easiest way for you to get one

  • When to open a Tax Free Savings Account and how to select the right one

  • The concept of having an 'Opportunity Fund', how you can get yours in place and when to use it

PHASE 4:

Road to Financial Independence

  • What investing in equities and properties is all about

  • Why, when and how to invest offshore 

  • How leveraging and gearing can help accelerate your financial goals (when done correctly)

Reviews

 

"It was not overwhelming with theory or jargon so it flows really well.

 

The book becomes a reference so I can, at any time, read through the relevant chapters to keep focused on my goal.
 
The next big advantage is the emphasis of a plan or a goal. I am sure you know about the study done on the 1979 Harvard MBA group. The basic crux resonates in your book. Those who have a defined goal, and have it written down, are more likely to achieve that goal. Having written the goal down, it becomes more tangible. It is no longer an abstract idea/fantasy. That simple change in thinking ensures the goals are realized. Obviously, the goals may change over time and these can always be reassessed, but the plan is already in place.  
 
Bite-sized portions: The way you have structured your plan is simple. I think we often believe that complexity is better. The reality is: the simpler the structure, the better it is.

 

Having 14 simple steps makes it easier to accept.

It is less daunting and makes everything manageable.

 

It is also likely to build momentum with positive reinforcement as each step is accomplished.   
 
The points you made resonate well and I feel it will become a great tool for me. I know a lot of people who would benefit from this.” 

 

Dr Franz Bernhardt - MBChB 

 

 

 

On finishing the book I made a few realizations:

 

  1. One needs relevant and specific experts for each individual sector

  2. Possibly of even more importance & this is based on a personal life experience, one needs an objective "expert" or mentor (someone with a slightly removed perspective) who can guide you through the process in terms of seeing the bigger plan

  3. This book is an invaluable guide that everybody needs to read.

 

Congrats guys, really impressive stuff!

 

Michael Collison - Recruitment Specialist

Get the book now and start your journey to financial independence straight away!

eBook

R100

Hard copy

R200