The consultants, Regroupment members in financial planning will provide you, a personal useful management tool : a financial planning program. Financial planning aims to propose a structured action plan with intention to allow the person who appealed to achieve its goals on financial and personal level. It's a rigorous process, that is directed according to the customer requirements and who takes account of all the impact factors on their financial position.

To be fully effective, a financial planning must be :

• professional ; realized by a specialized manager whose competences in this field are effective and who applies recognized norms;
• personalized; what means that you obtain an action plan on measure, established for your particular situation and for your own objectives;
• integrated; since it's based on a global vision of your financial position and takes account of what can influence it

Integrated process of financial planning includes six stages that will allow you :

• to identify your financial and personal objectives(as well as their values and constraints) : education of the children, helps to old parents, maintenance of your current living standard to long term, reduction of the immediate financial pressures, &)
• to clarify your current situation by joining together and examining all pertinent financial data: credit and liability, income tax returns, insurance contracts, collective program at work, will, inaptitude mandate, pension plans, etc;
• to determine financial problems that constitute obstacles to your financial independence, for example: a cover of insufficient or too important insurance, a bad management of the debt, a too heavy tax burden, inadequate liquidities or investments that fight poorly the inflation;
• to write and put in Suvre this action plan, as well for the application of the recommendations as for coordination with other qualified professionals;
• to periodically revise your action plan to reach your objectives. You should revalue, at least once a year, your situation to take account of the changes in your life or of the evolution of the economic situation.