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研究生： 賴奕峰
Phillip McDaniels
論文名稱： 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
指導教授： 周行一
Chow, Hsing-Yi
口試委員: 李志宏
Lee, Jie-Haun
徐政義
Shiu, Cheng-Yi
學位類別： 碩士
Master
系所名稱： 商學院 - 國際經營管理英語碩士學位學程(IMBA)
International MBA Program College of Commerce(IMBA)
論文出版年： 2020
畢業學年度： 109
語文別： 英文
論文頁數： 95
中文關鍵詞： 財務 、輔導 、規劃 、教育 、社會
外文關鍵詞： Finance, Coaching, Planning, Education, Social
DOI URL： http://doi.org/10.6814/NCCU202100042
相關次數： 點閱：220  下載：5 
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    Abstract
    Fin Lit Academy: Financial Planning & Educational Coaching for Young Adults
    By
    Phillip C. McDaniels
    Fin 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.

    TABLE OF CONTENTS
    1. Executive Summary 1
    2. Introduction & Motivation 3
    3. General Company Description 6
    3.1. Business 6
    3.2. Mission 7
    3.3. Philosophy 7
    3.4. Objectives 7
    3.5. Target Market 7
    3.6. Industry 8
    3.7. Strengths and Competencies 9
    3.8. Limited Liability Corporation (LLC) and Company Ownership 10
    4. Products and Services 12
    4.1. Personalized Financial Planning & Coaching. 12
    4.2. Personal Financial Health Assessment 12
    4.3. Fin Lit 101 Classes and Courses 13
    4.4. Fin Lit Today & Online Budgeting Tools 13
    4.5. Banking Partners and Investment Partners 14
    4.6. Custom Courses 14
    4.7. Jungle Works Panther Platform 14
    4.8. Advantages 16
    4.9. Disadvantages 16
    5. Marketing Plan 17
    6. Economics 20
    6.1. Industry Facts 20
    6.2. Research 21
    6.3. Financial Literacy and Retirement Planning in the United States 22
    6.4. Personal Network Questionnaire 24
    6.5. Barriers to Entry 26
    6.6. Product 27
    7. Client Market 29
    7.1. Target Market 29
    7.2. General Market 30
    8. Competition 31
    8.1. Traditional Financial Planning 31
    8.2. Kansas City Low-Cost Financial Planning 31
    8.3. Other Competitors 32
    8.4. Competitive Analysis Table 35
    8.5. Niche 36
    9. Promotion 37
    10. Pricing 39
    10.1. Pricing Research 39
    10.2. FLA Pricing 41
    10.3. How FLA Calculates 42
    10.4. Personalized Financial Planning & Coaching 43
    10.5. Fin Lit 101 Courses 45
    10.6. Considerations 47
    10.7. Payment Options 47
    11. Location and Distribution 48
    11.1. Location 48
    11.2. Distribution Channels 49
    12. Operational Plan 50
    12.1. Services Overview 50
    12.2. Legal Environment 51
    12.3. Personnel 52
    12.4. Management and Organization 53
    13. Financials 55
    13.1. Start-Up Costs 55
    13.1.1. Training and Education_ 56
    13.1.2. Business Fees & Expenses 57
    13.1.3. Advertising and Marketing 58
    13.1.4. Equipment, Supplies, & Hardware 60
    13.1.5. Software, Website, & App 61
    13.1.6. Home Office and Car Expenses 62
    13.2. Start-Up Assets and Funding 64
    13.3. Sales Forecast 65
    13.3.1. Assumptions 65
    13.3.2. Year 1 66
    13.3.3. Year 2 67
    13.3.4. Year 3 68
    13.4. Profit and Loss Projection 69
    13.4.1. Assumptions 69
    13.4.2. 3-Year Profit and Loss Projection 70
    13.5. Projected Cash Flow 71
    13.5.1. Assumptions 71
    13.5.2. Cash Flow Projection 72
    13.6. Opening Day Balance Sheet 73
    13.6.1. Assumptions 73
    13.6.2. Opening Day Balance Sheet 74
    13.7. Break-Even Analysis 75
    13.7.1. Assumptions 75
    13.7.2. BE Hourly 75
    13.7.3. BE Retainer 76
    13.7.4. BE Fin Lit 101 77
    14. Conclusion 78
    15. Appendices 81
    16. References 92

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