1. FINANCIAL PLANNING AND WEALTH MANAGEMENT HOW CAN MY MONEY WORK FOR ME?

2. ACTIVE INCOME Requires your presence, participation, management Many years of preparation and skills. Quite affected by sickness, disability and totally discontinued on death. Yet its very important to us because it forms the basis of our passive income.

3. PASSIVE INCOME This is money working for you in your absence. It brings income e.g rent, interest, dividends, and on a smaller percentage business income. Some are paper assets(financial) or real estate The strategy you choose to convert your active income to passive income is your current financial status- where are you now?

4. PILLARS OF WEALTH MANAGEMENT 1.ACCUMULATION OF WEALTH sacco Banks mortgages Insurance policies Offshore investment Mutual Funds/ Unit trust Real estate Business Shares

5. 2.WEALTH PROTECTION What can eat my money? Inflation Sickness Accident- personal, fire, burglary,riots etc Poor planning Peer pressure-entertainment Air time-vision killer

6. 3.WEALTH DISTRIBUTION writing a will Updating yearly the list of beneficiaries Mentoring.