Bluebond “Clear Future” Program

The Bluebond “Clear Future” Life, Business coaching and Financial Planning Program.

What do you want from your future?

Time is money – focused and properly planned use of your time and money will usually generate more time to spend pursuing your life goals.

At Bluebond we believe you want to:

• properly define your personal lifetime goals and objectives and ensure you produce and maintain a flexible financial plan to meet all your objectives
• grow your wealth as quickly and safely as possible without wasting money along the way in tax or unsuitable plans
• reduce the inherent risks to your lifestyle as much as is reasonably possible
• achieve a balance between your personal and financial needs of the moment and those of the future
• obtain trusted help and coaching in objectively assessing what actions are most likely to produce a successful outcome for you
• achieve a structured approach to the way you handle your finances
• integrate your personal life goals with your business goals.

In short, you want help to identify and achieve your goals while maintaining your desired lifestyle – without fear of ever running out of money.

What are the main benefits of the Bluebond “Clear Future” Program?

The program is designed to help you ensure you define and achieve what you truly desire - together with the peace of mind of knowing you are unlikely to ever run out of money:

• Professional guidance in achieving your personal goals and objectives.  Your objectives drive the plan
• If you are a business owner, business coaching to help you improve your business is inclueded in the program
• Truly unbiased fee based advice
• Help in avoiding unnecessary costs and taxation
• Regular reviews of your situation and adjustment to your financial plan
• Help you establish a cash control system to ensure you have sufficient funds available to meet your objectives
• A comprehensive approach to financial planning -treating all aspects of your personal and business life as part of a connected whole, recognising connections and where possible finding solutions that deal with more than one financial planning issue
• The quarterly “goal progression” reviews are a unique feature of the program, which provide a disciplined approach to help you make firm and steady progress towards achieving your goals and ambitions. Many of your goals will not be strictly financial but the program will still help you to achieve them.

Most men lead lives of quiet desperation and go to the grave with the song still in them - Henry David Thoreau

What is the unique benefit of the Bluebond “Clear Future” Program?

The quarterly goal progression reviews are a unique feature of the program, which provides a disciplined approach to help you make firm and steady progress towards achieving your goals and ambitions. Many of your goals will not be strictly financial but the program will still help you to achieve them. Time is money – focused and properly planned use of your money will usually generate more time to spend pursuing your life goals.

How does the “Clear Future” Progam actually work?

There are essentially 9 seperate steps to the process.

Step 1 – Explore your objectives

• You complete a “Lifetime Focuser” questionaire prior to your Discovery meeting to help clarify your thoughts, goals and objectives
• You complete a comprehensive financial questionaire regarding your existing financial plans

Step 2 – Your Discovery meeting

• We meet to discuss, define and record your goals and objectives in detail
• You sign authorities to transfer servicing rights for all your existing plans to Bluebond Investments to ensure all the relevant facts regarding your current financial affairs can be obtained and recorded correctly.
• We outline potential problems and alternatives open to you
• We identify and agree the order of priority for solving these potential problems and achieving your immediate goals
• We agree a strategy to work towards achieving your long term goals and objectives

Step 3 – Produce a draft financial plan

• We contact your existing product providers to obtain any missing information
• We analyse your situation and objectives in depth
• We produce a draft comprehensive financial plan to help you meet all your stated objectives

Step 4 – Your financial planning meeting

• We meet to discuss your draft financial plan and agree any adjustments to be made
• We agree an approximate budget and strategy to achieve your immediate goals and objectives.
• We quote you the approximate costs of implementation of those agreed plans
• We agree any action required to implement the agreed solutions

Step 5 – Our initial recommendations

• We finalise your financial plan for this year
• We research any financial products required to achieve your immediate objectives
• We send you a written report explaining our recommendations and quoting the exact costs of implementing those recommendations

Step 6 – The implementation meeting

• We meet to agree your current financial plan and discuss the recommended action and financial products required
• You pay and agreed implementation fees at this meeting
• If you decide not to progress with any of our recommendation there is no obligation to do so

Step 7 – The implementation process

• Once agreed with you, we will process the agreed plans through to completion
• We will take care of as much of the paperwork as possible and guide you through any parts that require your personal attention
• We will advise you regularly on the progress of your plans and ensure the process is kept as simple as possible for you

Step 8 – Check your goal progress quarterly

• We send you a goal progress questionaire every 3 months followed up by a goal review phone call to ensure you remain firmly on track to meet your goals. Most business owners have a face to face meeting quarterly.

This disciplined approach means you will make steady progress towards achieving your lifetime ambitions.

Step 9 – Review your plans

• We meet annually, twice or 4 times yearly to review any changes to your circumstances or goals and adjust your financial plan accordingly
• Any action required as a result of these reviews will be handled by repeating steps 5-7

The “Clear Future” Progam will help you identify and achieve your goals while maintaining your desired lifestyle — without fear of ever running out of money.