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題名 為低收入青年提供財務諮詢與規劃
Financial Planning and Educational Coaching for lower-income young adults作者 賴奕峰
McDaniels, Phillip貢獻者 周行一
Chow, Hsing-Yi
賴奕峰
Phillip McDaniels關鍵詞 財務
輔導
規劃
教育
社會
Finance
Coaching
Planning
Education
Social日期 2020 上傳時間 1-Feb-2021 14:06:14 (UTC+8) 摘要 無
AbstractFin Lit Academy: Financial Planning & Educational Coaching for Young AdultsByPhillip C. McDanielsFin Lit Academy (FLA) business concept is an opportunity for educational financial coaching & planning for young adults and high schoolers. It is modeled as traditional financial coaching & planning with a social entrepreneurship philosophy to provide and promote financial education.FLA emphasizes educational financial coaching and providing a safe online platform to assist individuals with financial planning, coaching, and educational courses. The primary scope of FLA is to provide a social benefit in the form of financial education that improves outcomes of individual and associated clients by wealth growth and improved financial acumen. As a Certified Financial Planner with a teaching background, FLA leverages partnering with local schools to promote social awareness of financial literacy and potentially build client profiles.The target demographics are young adults and high schools by way of school partnering and parents in the Greater Kansas City area. The niche is those who have been priced out of improving their financial health by the traditional financial planning, advising, and consulting industry. FLA is positioned as a teacher first, financial coach second. The education system at large doesn’t teach the necessary skills nor are teachers equipped to do so. Traditional financial planning is costly and many lack trust, funds, knowledge, or a combination of these.The social impact of FLA is most important to the growth of the company. This allows the company to leverage its unique approach to reach the target demographic and strategic affiliations with local schools, educational platforms, and possible financial institutions for further financial literacy growth and awareness.Keywords: Finance, Coaching, Planning, Education, Social參考文獻 References1. Council for Economic Education. (2020, February 5). Survey of the States. https://www.councilforeconed.org/survey-of-the-states-2020/#:~:text=Every%20two%20years%2C%20the%20Council,and%20the%20District%20of%20Columbia.2. Coleman, Hank. (n.d.). Why It’s a Mistake Teaching Financial Literacy in Schools. Money Qanda. ( https://moneyqanda.com/mistake-teaching-financial-literacy-in-schools/3. Fox, Michelle. (2019, November 11). 99% of Americans Don’t Use a Financial Advisor – Here’s Why. CNBC. https://www.cnbc.com/2019/11/11/99percent-of-americans-dont-use-a-financial-advisor-heres-why.html4. Dietrich, Paul. (n.d.). Almost Two-Thirds of Clients Don’t Trust Advisors to Act in Their Best Interest: Poll. https://advisorhub.com/resources/almost-two-thirds-of-clients-dont-trust-advisors-to-act-in-their-best-interest-poll/5. The Advisor Coach. (n.d.). 5 Things People Really Want From Financial Advisors. Retrieved December 2020. https://www.theadvisorcoach.com/5-things-people-really-want-from-financial-advisors.html6. Lusardi, Annamaria, & Mitchell, Olivia (2011, June). Financial Literacy and Retirement Planning in the United States, Working Paper 17108. National Bureau of Economic Research. http://www.nber.org/papers/w171087. Moss, Wes. (Updated 2020, December 7). Is it Worth the Money to Hire a Financial Advisor?. The Balance. Retrieved September 27, 2020, from https://www.thebalance.com/should-you-hire-a-financial-advisor-41207178. What is Social Enterprise? (n.d.). Social Enterprise Alliance. Retrieved November 8, 2020, from https://socialenterprise.us/about/social-enterprise/9. O’Chucks, Solomon. (n.d.). A Sample Financial Coaching Business Plan Template. Profitable Venture. Retrieved September 12, 2020, from https://www.profitableventure.com/financial-coaching-business-plan/10. IBIS World. (2020, July 30). Financial Planning & Advice in the US – Market Size 2002 – 2026. https://www.ibisworld.com/industry-statistics/market-size/financial-planning-advice-united-states/#:~:text=The%20market%20size%2C%20measured%20by,is%20%2457.2bn%20in%202020.11. TRUiC. (n.d.). How to Start a Financial Consulting Firm. Retrieved August 28, 2020, from https://howtostartanllc.com/business-ideas/financial-consulting12. Google Workspace. (n.d.). [Pricing] p. Retrieved September 27, 2020, from https://workspace.google.com/pricing.html?source=gafb-homepage-body-ga_lang%3Den13. Martin, Emmie. (2019, June 26). Here’s How Much Americans Have Saved for Retirement. CNBC. https://www.cnbc.com/2019/06/26/how-much-americans-have-saved-for-retirement.html#:~:text=Americans%20are%20still%20struggling%20to,have%20saved%20%24200%2C000%20or%20more.Pesce, Nicole L. (2020, January 11). A Shocking Number of Americans are Living Paycheck to Paycheck. Market Watch. https://www.marketwatch.com/story/a-shocking-number-of-americans-are-living-paycheck-to-paycheck-2020-01-0714. Prosperity Center for Financial Opportunity. (n.d.) [Bundled Services] page. Retrieved October 17, 2020, from http://www.prosperitycenterkc.org/content/servicesKC Women’s Employment Network. (n.d.). [What We Do] page. Retrieved October 17, 2020, from http://kcwen.org/what_we_do/financial_coachinghttp://guadalupecenters.org/https://www.cslcares.org/financialcoaching15. Money Smart. (n.d.). http://www.moneysmartkc.org/. Retrieved November 21, 2020.16. O’Shea, Arielle, Coombes, Andrea. (2020, November 20). How Much Does a Financial Advisor Cost? Nerd Wallet. https://www.nerdwallet.com/blog/investing/how-much-does-a-financial-advisor-cost/17. Anspach, Dana. (2020, July 17). How to Evaluate the Cost of Hiring a Financial Planner. The Balance. https://www.thebalance.com/ways-financial-advisors-charge-fees-238844118. Consulting Success. (n.d.). Consulting Fees Calculator. Retrieved September 29, 2020 from https://www.consultingsuccess.com/consulting-fees-calculator19. Kitces, Michael. (2018, September 24). Financial Advisor Success Requires Just 50 Great Clients. Kitces. https://www.kitces.com/blog/50-great-clients-how-many-clients-does-a-financial-advisor-need/#:~:text=The%20bottom%20line%2C%20though%2C%20is,typical%20revenue%20you%20generate%20from20. Loudenback, Tanza. (2020, February 16). Here’s How Much a Financial Advisor Costs. Business Insider. https://www.businessinsider.com/personal-finance/how-much-is-a-financial-advisor-fee-structure21. Stanek, Becca. (2020, July 27). How Much Does a Financial Advisor Cost?. Smart Asset. https://smartasset.com/financial-advisor/financial-advisor-cost22. ZenBusiness. (n.d.). Create Your LLC in Kansas. Retrieved August 28, 2020, from https://shareasale.com/r.cfm?b=1229325&u=1005106&m=81890&urllink=www%2Ezenbusiness%2Ecom%2Ftruic%2Fllc%2Fkansas&afftrack=htsl%20kansas%2Dllc%20regag23. QuickBooks. (2020). [Pricing] page. https://quickbooks.intuit.com/global/pricing/24. Burn-Callander, Rebecca. (2016, June 20). How Much Money Does Your Start-Up Need to Survive the First Year? The Telegraph. https://www.telegraph.co.uk/business/sme-home/start-up-costs/25. Financial Samurai. (2010, October 20). (Updated 2020, August 31). How to Become a Certified Financial PlannerTM (CFP ®). https://www.financialsamurai.com/how-to-become-a-certified-financial-planner-cfp/#:~:text=The%20CFP%C2%AE%20exam%20costs,depending%20on%20what%20you%20choose.26. https://www.irs.gov/pub/irs-pdf/p587.pdf27. https://turbotax.intuit.com/tax-tips/small-business-taxes/business-use-of-vehicles/L6hi0zzzh28. https://turbotax.intuit.ca/tips/computer-software-deductions-for-business-owners-6173 描述 碩士
國立政治大學
國際經營管理英語碩士學位學程(IMBA)
108933048資料來源 http://thesis.lib.nccu.edu.tw/record/#G0108933048 資料類型 thesis dc.contributor.advisor 周行一 zh_TW dc.contributor.advisor Chow, Hsing-Yi en_US dc.contributor.author (Authors) 賴奕峰 zh_TW dc.contributor.author (Authors) Phillip McDaniels en_US dc.creator (作者) 賴奕峰 zh_TW dc.creator (作者) McDaniels, Phillip en_US dc.date (日期) 2020 en_US dc.date.accessioned 1-Feb-2021 14:06:14 (UTC+8) - dc.date.available 1-Feb-2021 14:06:14 (UTC+8) - dc.date.issued (上傳時間) 1-Feb-2021 14:06:14 (UTC+8) - dc.identifier (Other Identifiers) G0108933048 en_US dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/133877 - dc.description (描述) 碩士 zh_TW dc.description (描述) 國立政治大學 zh_TW dc.description (描述) 國際經營管理英語碩士學位學程(IMBA) zh_TW dc.description (描述) 108933048 zh_TW dc.description.abstract (摘要) 無 zh_TW dc.description.abstract (摘要) AbstractFin Lit Academy: Financial Planning & Educational Coaching for Young AdultsByPhillip C. McDanielsFin Lit Academy (FLA) business concept is an opportunity for educational financial coaching & planning for young adults and high schoolers. It is modeled as traditional financial coaching & planning with a social entrepreneurship philosophy to provide and promote financial education.FLA emphasizes educational financial coaching and providing a safe online platform to assist individuals with financial planning, coaching, and educational courses. The primary scope of FLA is to provide a social benefit in the form of financial education that improves outcomes of individual and associated clients by wealth growth and improved financial acumen. As a Certified Financial Planner with a teaching background, FLA leverages partnering with local schools to promote social awareness of financial literacy and potentially build client profiles.The target demographics are young adults and high schools by way of school partnering and parents in the Greater Kansas City area. The niche is those who have been priced out of improving their financial health by the traditional financial planning, advising, and consulting industry. FLA is positioned as a teacher first, financial coach second. The education system at large doesn’t teach the necessary skills nor are teachers equipped to do so. Traditional financial planning is costly and many lack trust, funds, knowledge, or a combination of these.The social impact of FLA is most important to the growth of the company. This allows the company to leverage its unique approach to reach the target demographic and strategic affiliations with local schools, educational platforms, and possible financial institutions for further financial literacy growth and awareness.Keywords: Finance, Coaching, Planning, Education, Social en_US dc.description.tableofcontents TABLE OF CONTENTS1. Executive Summary 12. Introduction & Motivation 33. General Company Description 63.1. Business 63.2. Mission 73.3. Philosophy 73.4. Objectives 73.5. Target Market 73.6. Industry 83.7. Strengths and Competencies 93.8. Limited Liability Corporation (LLC) and Company Ownership 104. Products and Services 124.1. Personalized Financial Planning & Coaching. 124.2. Personal Financial Health Assessment 124.3. Fin Lit 101 Classes and Courses 134.4. Fin Lit Today & Online Budgeting Tools 134.5. Banking Partners and Investment Partners 144.6. Custom Courses 144.7. Jungle Works Panther Platform 144.8. Advantages 164.9. Disadvantages 165. Marketing Plan 176. Economics 206.1. Industry Facts 206.2. Research 216.3. Financial Literacy and Retirement Planning in the United States 226.4. Personal Network Questionnaire 246.5. Barriers to Entry 266.6. Product 277. Client Market 297.1. Target Market 297.2. General Market 308. Competition 318.1. Traditional Financial Planning 318.2. Kansas City Low-Cost Financial Planning 318.3. Other Competitors 328.4. Competitive Analysis Table 358.5. Niche 369. Promotion 3710. Pricing 3910.1. Pricing Research 3910.2. FLA Pricing 4110.3. How FLA Calculates 4210.4. Personalized Financial Planning & Coaching 4310.5. Fin Lit 101 Courses 4510.6. Considerations 4710.7. Payment Options 4711. Location and Distribution 4811.1. Location 4811.2. Distribution Channels 4912. Operational Plan 5012.1. Services Overview 5012.2. Legal Environment 5112.3. Personnel 5212.4. Management and Organization 5313. Financials 5513.1. Start-Up Costs 5513.1.1. Training and Education_ 5613.1.2. Business Fees & Expenses 5713.1.3. Advertising and Marketing 5813.1.4. Equipment, Supplies, & Hardware 6013.1.5. Software, Website, & App 6113.1.6. Home Office and Car Expenses 6213.2. Start-Up Assets and Funding 6413.3. Sales Forecast 6513.3.1. Assumptions 6513.3.2. Year 1 6613.3.3. Year 2 6713.3.4. Year 3 6813.4. Profit and Loss Projection 6913.4.1. Assumptions 6913.4.2. 3-Year Profit and Loss Projection 7013.5. Projected Cash Flow 7113.5.1. Assumptions 7113.5.2. Cash Flow Projection 7213.6. Opening Day Balance Sheet 7313.6.1. Assumptions 7313.6.2. Opening Day Balance Sheet 7413.7. Break-Even Analysis 7513.7.1. Assumptions 7513.7.2. BE Hourly 7513.7.3. BE Retainer 7613.7.4. BE Fin Lit 101 7714. Conclusion 7815. Appendices 8116. References 92 zh_TW dc.format.extent 3576471 bytes - dc.format.mimetype application/pdf - dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0108933048 en_US dc.subject (關鍵詞) 財務 zh_TW dc.subject (關鍵詞) 輔導 zh_TW dc.subject (關鍵詞) 規劃 zh_TW dc.subject (關鍵詞) 教育 zh_TW dc.subject (關鍵詞) 社會 zh_TW dc.subject (關鍵詞) Finance en_US dc.subject (關鍵詞) Coaching en_US dc.subject (關鍵詞) Planning en_US dc.subject (關鍵詞) Education en_US dc.subject (關鍵詞) Social en_US dc.title (題名) 為低收入青年提供財務諮詢與規劃 zh_TW dc.title (題名) Financial Planning and Educational Coaching for lower-income young adults en_US dc.type (資料類型) thesis en_US dc.relation.reference (參考文獻) References1. Council for Economic Education. (2020, February 5). Survey of the States. https://www.councilforeconed.org/survey-of-the-states-2020/#:~:text=Every%20two%20years%2C%20the%20Council,and%20the%20District%20of%20Columbia.2. Coleman, Hank. (n.d.). Why It’s a Mistake Teaching Financial Literacy in Schools. Money Qanda. ( https://moneyqanda.com/mistake-teaching-financial-literacy-in-schools/3. Fox, Michelle. (2019, November 11). 99% of Americans Don’t Use a Financial Advisor – Here’s Why. CNBC. https://www.cnbc.com/2019/11/11/99percent-of-americans-dont-use-a-financial-advisor-heres-why.html4. Dietrich, Paul. (n.d.). Almost Two-Thirds of Clients Don’t Trust Advisors to Act in Their Best Interest: Poll. https://advisorhub.com/resources/almost-two-thirds-of-clients-dont-trust-advisors-to-act-in-their-best-interest-poll/5. The Advisor Coach. (n.d.). 5 Things People Really Want From Financial Advisors. Retrieved December 2020. https://www.theadvisorcoach.com/5-things-people-really-want-from-financial-advisors.html6. Lusardi, Annamaria, & Mitchell, Olivia (2011, June). Financial Literacy and Retirement Planning in the United States, Working Paper 17108. National Bureau of Economic Research. http://www.nber.org/papers/w171087. Moss, Wes. (Updated 2020, December 7). Is it Worth the Money to Hire a Financial Advisor?. The Balance. Retrieved September 27, 2020, from https://www.thebalance.com/should-you-hire-a-financial-advisor-41207178. What is Social Enterprise? (n.d.). Social Enterprise Alliance. Retrieved November 8, 2020, from https://socialenterprise.us/about/social-enterprise/9. O’Chucks, Solomon. (n.d.). A Sample Financial Coaching Business Plan Template. Profitable Venture. Retrieved September 12, 2020, from https://www.profitableventure.com/financial-coaching-business-plan/10. IBIS World. (2020, July 30). Financial Planning & Advice in the US – Market Size 2002 – 2026. https://www.ibisworld.com/industry-statistics/market-size/financial-planning-advice-united-states/#:~:text=The%20market%20size%2C%20measured%20by,is%20%2457.2bn%20in%202020.11. TRUiC. (n.d.). How to Start a Financial Consulting Firm. Retrieved August 28, 2020, from https://howtostartanllc.com/business-ideas/financial-consulting12. Google Workspace. (n.d.). [Pricing] p. Retrieved September 27, 2020, from https://workspace.google.com/pricing.html?source=gafb-homepage-body-ga_lang%3Den13. Martin, Emmie. (2019, June 26). Here’s How Much Americans Have Saved for Retirement. CNBC. https://www.cnbc.com/2019/06/26/how-much-americans-have-saved-for-retirement.html#:~:text=Americans%20are%20still%20struggling%20to,have%20saved%20%24200%2C000%20or%20more.Pesce, Nicole L. (2020, January 11). A Shocking Number of Americans are Living Paycheck to Paycheck. Market Watch. https://www.marketwatch.com/story/a-shocking-number-of-americans-are-living-paycheck-to-paycheck-2020-01-0714. Prosperity Center for Financial Opportunity. (n.d.) [Bundled Services] page. Retrieved October 17, 2020, from http://www.prosperitycenterkc.org/content/servicesKC Women’s Employment Network. (n.d.). [What We Do] page. Retrieved October 17, 2020, from http://kcwen.org/what_we_do/financial_coachinghttp://guadalupecenters.org/https://www.cslcares.org/financialcoaching15. Money Smart. (n.d.). http://www.moneysmartkc.org/. Retrieved November 21, 2020.16. O’Shea, Arielle, Coombes, Andrea. (2020, November 20). How Much Does a Financial Advisor Cost? Nerd Wallet. https://www.nerdwallet.com/blog/investing/how-much-does-a-financial-advisor-cost/17. Anspach, Dana. (2020, July 17). How to Evaluate the Cost of Hiring a Financial Planner. The Balance. https://www.thebalance.com/ways-financial-advisors-charge-fees-238844118. Consulting Success. (n.d.). Consulting Fees Calculator. Retrieved September 29, 2020 from https://www.consultingsuccess.com/consulting-fees-calculator19. Kitces, Michael. (2018, September 24). Financial Advisor Success Requires Just 50 Great Clients. Kitces. https://www.kitces.com/blog/50-great-clients-how-many-clients-does-a-financial-advisor-need/#:~:text=The%20bottom%20line%2C%20though%2C%20is,typical%20revenue%20you%20generate%20from20. Loudenback, Tanza. (2020, February 16). Here’s How Much a Financial Advisor Costs. Business Insider. https://www.businessinsider.com/personal-finance/how-much-is-a-financial-advisor-fee-structure21. Stanek, Becca. (2020, July 27). How Much Does a Financial Advisor Cost?. Smart Asset. https://smartasset.com/financial-advisor/financial-advisor-cost22. ZenBusiness. (n.d.). Create Your LLC in Kansas. Retrieved August 28, 2020, from https://shareasale.com/r.cfm?b=1229325&u=1005106&m=81890&urllink=www%2Ezenbusiness%2Ecom%2Ftruic%2Fllc%2Fkansas&afftrack=htsl%20kansas%2Dllc%20regag23. QuickBooks. (2020). [Pricing] page. https://quickbooks.intuit.com/global/pricing/24. Burn-Callander, Rebecca. (2016, June 20). How Much Money Does Your Start-Up Need to Survive the First Year? The Telegraph. https://www.telegraph.co.uk/business/sme-home/start-up-costs/25. Financial Samurai. (2010, October 20). (Updated 2020, August 31). How to Become a Certified Financial PlannerTM (CFP ®). https://www.financialsamurai.com/how-to-become-a-certified-financial-planner-cfp/#:~:text=The%20CFP%C2%AE%20exam%20costs,depending%20on%20what%20you%20choose.26. https://www.irs.gov/pub/irs-pdf/p587.pdf27. https://turbotax.intuit.com/tax-tips/small-business-taxes/business-use-of-vehicles/L6hi0zzzh28. https://turbotax.intuit.ca/tips/computer-software-deductions-for-business-owners-6173 zh_TW dc.identifier.doi (DOI) 10.6814/NCCU202100042 en_US
