A proper team environment allows individuals to brainstorm collectively, which in turn increases their success to problem solve and arrive at solutions more efficiently and effectively. Effective teams also allow the initiative to innovate, in turn creating a competitive edge to accomplish goals and objectives.


Basically there are 4 areas that we need to handle; Risk Management, Wealth Accumulation, Wealth Management & Wealth Distribution. Each of these areas we need different specialist.

Risk Management – is nothing more then a PROTECTOR. He/She ensures that you have the right insurance and at the right price. He/She guards your economic live value. Everybody have a value therefore is critical to know your value and protect it. Protector role is to bring financial freedom in the event things were to go wrong. He/She will also strike a balance between coverage and affordability.

Basically there are 7 areas: Family Income Funding, Retirement Funding, Children Education Funding, Estate Continuity Funding, Disability Funding, Obligation Funding, Mortgage & Medical Funding.

Wealth Accumulation Strategy needs a STRATEGIST – He/She is an expert in the area of compounding your growth of money. He/She is aware of the financial markets; Mutual/ETF, Stocks, Bonds, Money Market, Bonds, Dividend Paying Stocks, and businesses.

He/She is aware of the impact to the money when Inflation & Cost of living are taken into consideration. He/She will ensure that while you are accumulating your wealth it will keep pace and stay higher then inflation & cost of living.  Short, Medium & Long term are also put into consideration for liquidity. He/She is also aware of your risk appetite and never expose beyond the risk that you are prepared to take.

Wealth Management Strategy is a MONEY MANAGER. He/She is an expert to preserve the capital that you have created in your younger years. He/She will also make sure that the wealth stays above inflation. Diversification of risk is put into consideration and they will never ever put all the wealth in one basket. Proper asset allocation and liquidity plays an important role for the Money Manager. The wealth that you have created suppose to be taking care of your needs till you die. Just like the tree that will bear fruit for you while you happily retired.

Money Manager is also aware if Income Generating Assets that are safe and secured. They will take little or no risk programs and at the same time is sufficient for all your needs.

This is critical because you can’t afford to make any mistakes with your wealth; you are happily retired. Ensure that.

Wealth Distribution Strategy is handled by an EXECUTOR. Executors are legally responsible for: Identifying everything in the estate — for example, cash from bank accounts, insurance policy proceeds and pension payments. Collecting in all the assets and paying the debts and liabilities. Making distributions to beneficiaries in accordance with the terms of the will. He/She will ensure that all that is left behind will go to the right people without any disputes or arguments.

The worst thing can happen in a family is dispute and fights. Executor will seat down with you and strategise every corner of your estates. Succession Planning, Estate duties & other cost are all put into consideration. He/She will also work with the Protector to ensure there are sufficient insurance for estate duties.


  1. Have you found a good PROTECTOR?
  2. Have you found a good STRATEGIST?
  3. Have you found a good MONEY MANAGER?
  4. Have you found a good EXECUTOR?

If all the above is YES!! Congratulations, if NO; then be educated. Speak to a Financial Adviser today and start your journey.

Article by: Ashok MBA – Strategic Coach & Mentor of MDRT/COT/TOT


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