Financial Plan and Optimization
In the second meeting, a suggested financial plan and optimization will be presented to the client. Optimization means saving money, or their more efficient use – multiple utility at the same cost compared to the current state. In essence, removal of all unnecessary components from the client's portfolio and their re-allocation into assets and concrete products bring the desired benefit for the client and his goals.
The financial plan is a theory, in other words, a philosophy, how should the client, or more precisely, family manage their finance in order to ensure the effective fulfillment of their goals. If the client decides for the "theory", it can be put into practice. The practice is the choice of optimal financial partners and their products, which accomplish the whole financial plan.