ACCOUNT

MANAGEMENT
GROUP5
Members:
Fabre, Shaira
Medina, Angelo Joseph
Mendones, Ginalyn
Miyagawa, Emily Ann
Montefalco, Melanie
Neyra, Mary Rose
 What is Account Management?
Account management is the practice of nurturing and
mediating a company’s client relationships, providing
customers with service, support, and improvement
opportunities to increase their consumption of a product or
service and maximize retention, cross-sell, and upsell
opportunities within the customer base.
What is the objective of Account
Management?

To retain loyal clients and to grow the company by

connecting with new customers.
KNOW YOUR CUSTOMER
 What is Know Your Customer?
Financial institutions are becoming more exposed to
unlawful criminal activity in an increasingly global
economy. KYC rules are intended to protect
financial institutions against fraud, corruption,
money laundering, and terrorist financing.
 What are the requirements to “Know Your
Customer”?
●Customer Identification Program
The firms must pull four pieces of identifying information about a
client, including name, date of birth, address, and identification
number.
●Customer Due Diligence (CDD)
The firms examine the nature and beneficiaries of existing
relationships to ensure all activity is consistent with historical
customer information
●Enhanced Due Diligence (EDD)
The firms must demonstrate a deeper understanding of the high-risk
clients identified by a standard customer due diligence program

●Continuous monitoring
Although customers must be identified and verified before they can
open an account or access service for the first time, they must also be
monitored on an ongoing basis.
Who needs to have a KYC process?

KYC is required for any financial institution that deals with

customers while opening and maintaining financial
accounts.When a business on boards a newclient,or when a
current client acquires a regulated product,standard KYC
procedures generally apply.
Why is KYC so important?

●It can protect your customers and help you build

trust.
●It can help reduce fraud and financial crimes.
●It’s often required.
KNOW YOUR INVESTMENT
PRODUCTS
What is an Investment Product?

An investment product is a service provided to investors that are

based on a security or group of securities that are bought with the
hope of receiving a profit. Investment products cover a wide range
of investment objectives and are based on a variety of underlying
securities.
STANDARD CLASSIFICATION OF
INVESTMENT PRODUCTS
 Capital Appreciation
Increases the market value of an investment. The price differential between an
investment's purchase and sale is known as capital appreciation. Which also refers
to the portion of an investment where market price gains outweigh the
investment's original purchase price or cost basis.

Income Distribution
Is a term used in exchange-traded funds (ETFs) to describe the process by which
dividends or other income are paid out to investors in the form of a payment.
INVESTMENT PRODUCTS
 Stocks
Represent equity ownership in a company that is traded publicly. In order to
raise money for operations, companies raise capital by issuing stock.
Investments in stocks typically undergo analysis based on factors like price-to-
earnings ratios and estimated future earnings estimates.

Bonds
Among the most popular fixed-income investment items. Bonds offer full
principal repayment at maturity and interest payments in the form of coupon
payments to investors. Bond funds, which contain a portfolio of bonds managed
by a portfolio manager for a variety of goals, are another option for investors.
 Derivatives
Investment goods are made available based on changes in a specific
underlying asset. The most popular derivative investment products on
the market include futures based on the movement of commodity
prices and put or call options on stocks.
RISK OF INVESTMENT
PRODUCTS
 Fees
The impact of fees is twofold: An investor pays an ever-increasing
amount in fees as account balances grow because the fees are based
on a percentage of assets.

Risk and Return

Risk means how safe your money will be and return is how fast
your money will grow. Generally, as investment risks rise, investors
seek higher returns
 Asset Allocation
Asset allocation plays a key role in the amount of risk you take with your
investments, as well as in the investment returns received. When you pick
an asset allocation, you spread your investable dollars across categories of
investments.

Liquidity
This is important because owning liquid assets allows you to pay for basic
living expenses and handle emergencies when they arise.
 Fraud
Those that commit fraud involving investments usually
convince others to invest based on false or inaccurate
information.
WEALTH MANAGEMENT
 Wealth Management
Refers to a wealth creation process where a team of experts examines the
financial needs of the client and suggests the appropriate financial
products.
The Wealth management process includes the protection of wealth,
Management of risk, Assembling of wealth, Proper positioning of your
wealth, and later wealth distribution.
The scope of Wealth management is wider and has long-term wealth
creation as its primary motive. Wealth management helps in the creation
of income from the asset base.
Wealth Management encompasses all areas of your financial
life. It focuses on completing the financial situation and offers
tools to help you achieve financial independence. Wealth
Management employs a series of steps in helping you reach
your financial dreams, and the cycle continues as we provide
long-term support for your financial goals.
Why is wealth management important?

Wealth management services offer such services where a person can get a
layout of how to invest his/her money. helps the person in creating a
financial plan through which they can utilize their assets in such a way that
almost all the financial objectives are met. The advisory ensures that the
money invested keeps compounding either through sound investment policy
or effective tax planning.
Helps in providing systematic financial plan

Advantages of Wealth Management Process

It helps the client systematically create their capital. help their client
in understanding the requirement and goals to be achieved. Wealth
management helps in formulating financial strategies.
Helps eliminate your financial stress
Wealth advisors help its client in managing the finances during the uneven market
conditions, which can often lead to stress. Wealth management helps in reducing financial
stress and prioritize financial decisions based on a timeframe
Provides customized services
Wealth managers provide personalized services to individuals depending upon their
financials. Wealth management advisory provides customized services to every
individual client. The wealth manager designs financial strategies keeping in mind
the personal needs of the clients. The wealth manager acts as a financial counselor
cum advisor

Provides a flexible Investment approach

Through wealth management, the advisors invest their time to help the client to plot a
route through troubled financial ups and down which helps in making better
investment decisions.
WEALTH MANAGEMENT
PROCESS
 Wealth management process
Gathering Data
Examine & Gather information:
●Assets (and their fair market value)
●Liabilities
●Monthly Cash Expenditures
●Income Tax Situation
●Wills and Trusts
●Insurance Contracts
●Retirement assets
Gathering facts about these and other aspects of your current financial situation gives us and a clear
starting point on the road toward helping you meet your financial objectives.
Establishing Objectives
It determines what your financial goals and objectives are.
Investment Planning :
•Determining Investment Temperament & Risk Tolerance
•Setting Investment Goals
•Selecting Investment Variables
•Monitoring Investment Portfolio
Retirement Planning
•Targeting Retirement Age
•Retirement Plan Selection and Design
•Targeting Income Needs at Retirement
•Distribution Alternatives & IRA Roll Over Options
•Design of Deferred Compensation Plans
Cash Flow Analysis
•Identifying Income Sources
•Projecting Living Expenses
•Implementing Methods to Improve Cash Flow
Income Tax Planning
•Methods of Reducing Tax
•Tax Deferral Techniques
•Income Shifting Techniques
Insurance Planning
•Determining Life Insurance Needs
•Determining Disability Insurance Needs
•Determining Long Term Care Insurance Needs
•Selecting Insurance Products
Business Planning
• Selecting a Business Entity
• Techniques for Transferring Ownership
• Employee Benefit Plans
Educational Planning
• Targeting Cash Needs for Education
• Selecting Methods for Funding Education
Processing and Analyzing Information
Process of analyzing your financial information to develop a strategy for your individual
financial plan.

Recommending a Total Plan

Provide an outline of an overall strategy we will be able to carefully design the right plan
for your needs and desires. All of the input you provide us ensures your plan will be
uniquely fitted to the attainment of your particular goals.
Implementing the Plan
To put the plan into action, bring the strategy to life with your help
and strive to make your financial objectives a reality.

Monitoring the Plan

Continue to monitor the progress, and as your circumstances and
desires change, we update and improve the initial plan. We invite your
questions and can assist with day-to-day financial decisions.
Thank You.