Assets Planning Report.docx
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Assets Planning Report.docx
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AssetsPlanningReport
AssetsPlanningReport
Part1
Background/BasicInformationofCompany
Mr.WuandMr.Wenaretheownerofawinerywhohavebeenbandedtogethertoinauguratetheircareerfor20years.Now,theyareboth48.Theyhavecleardivisionoflabor.Mr.Wuisobligatedfortheinternaladministrationmanagementintheircompany.Meanwhile,healsoowns70%ofsharesoftheircompany.Onthecontrary,becauseofhisspecializedskills,Mr.Wenisresponsibleformarketing,salesandclientsmanagement.Heowns30%oftheshareoftheircompany.TheirplantislocatedinSichuaninwhich3,000employeeshavebeenhired.Thereare3acresoflandforplantingfruitand1acreformakingredwineinthemountainareaofSichuan.TheysellproductsthroughoutthecountryandotherAsiancountries.RMB90millionisearnedastheannualprofitoftheircompanyaftertaxdeductionthisyear.Thegrowthrateoftheircompanyisabout13%perannumandRMB900millionistheestimatedmarketvalueoftheircompanyin2010.Thecompanyhasastronggoodwillwithnofinancialproblemsanddebtsfound.
Mr.Wureallycaresaboutthebenefitofemployees.Over200seniormanagersoutof1500employeeshavebeenworkingwithhimeversincetheestablishmentofthecompany.Allseniormanagerscanbeofferedagrouptravelingfor7daysinMainlandorganizedbythecompany.Mr.WuandMr.WenarebothfromSichuanandtheyliveinChengduofSichuan.Mr.WuandMr.Wenareveryhealthybecauseoftheirnormallifestyle.However,hepatitiswasdiscoveredinMr.Wu’sbodycheckreport3yearsago.Mr.Wustartedtoworryabouthishealth.Mr.Wu’swifeis48yearsoldnowwhoisahousewife.Sheusuallylooksafterherfamilyandshedoesnothelpherhusbandforanycommercialactivities.
Mr.Wuhasa15yearsoldson,John,whoisnowstudyinginhighschoolandreadytogoforUniversityabroad.UniversityofHongKongisoneofhischoices.Mr.WuandJohnbothliketostayabroadforstudyinganddevelopingcareerinfuture.Johnisinterestedincommerceandmanagementandhopetodevelophiscareerinthisaspect.
AndnowthereareseveralissuesneededtobesolvedforMr.Wuasfollows:
SinceJohnisjust15yearsoldandheisgoingtostudyinhighschool,weneedtocalculatetheexpensesoflivingandstudyingabroadforJohn.AndMr.Wuwouldliketoallocatehisassetsbecauseofhispossiblehealthproblem.SurelytheoperationoftheircompanywillbeaffectedbyMr.Wu’spersonalproblems.Butweneedtolowertheinfluencetothelowest.Weneedtousesomespecialmethodstoavoidtheriskoflosinganykeymeninthecompany.Althoughtheremaybesomechangesinmanagers,westillwanttosustaintheinvestmentreturnof13%perannum.Asitissaidabove,hewantstotransferhisassetsanditneedtobesmoothlyincaseofdeathorserioushealthproblems.SinceMr.Wuhas70%ofsharesoftheircompany,hemustarrangeitverywell.Inordertomakesurehiscompanywillrunwell,weneedtomanagethecashflowinthecompanyandarrangethecompanytaxationappropriately.Besides,Mr.Wuasksustomakeagoodmanagementofhispersonalexpensesandarrangementforpersonaltaxation.SinceMr.Wureallycaresaboutthebenefitofemployees,thearrangementneedtoconsiderhowtoprotecttheinterestofhisseniormanagersandstaff,etc.
Financialgoals
Asanalyzedabove,thebackgroundofMr.Wu,hisfamilyandhiscompany,illustratesconsiderableamountoftheproblemsexisted.Also,ourgrouphasdevelopedcomprehensivestrategiestohelpMr.Wusolvetheurgentmattersefficientlyandeffectively.Well,Iwill,toacertaindegree,clarifythespecificfinancialgoalsofourfinancialplanning.
1.Aftertakingconsiderationofhisson,John,whoisstillayoungteenagerof15yearsold,wehaveconductedstrategiestomakesurethatJohncouldhaveenoughmoneytosupporthisexpenseoflivingandstudyingabroadwhenMr.
2.AsaresultofMr.Wu’spossiblehealthproblems,wemakeaproperarrangementtoproperlyallocatehisassets,suchashissharepercentageinthecompanyandhispersonalproperty.
3.Itiscommonsensethatthecentralpersonofacompanypassedaway,undoubtedly,theoperationalandfinancialstrategiesinthecompany,itwillbeeninfluenced.However,severalsolutionshavecomeforwardbyourteammemberstosmooththeinfluencetohiscompany.What’smore,Keymaninsurancealsominimizetheriskoflosingkeymaninthecompany.Forinstance,itcanhelpthecompanyavoidfinancialdifficultiesandevenbankruptcy.Moreover,itcanalsohelptoavoidtheconflictbetweenthepartnerandhisfamily.
4.Theterminalgoalofhiscompanyiskeepingthegrowthrateupto13%annually.AlthoughMr.Wu’shealthproblemswillexertsomeimpactonachievingthisobjective,weexpandmeansoffinancinginstockmarketbypublishingthecompanyandmanyotherwaystosupportthehighgrowthrate.
5.OnceMr.Wusuffersserioushealthproblemsorevendeadinafewyears,hiswealthcanpasseddowntohisfamilysmoothly,inotherwords,wehavemakegoodarrangementofhisheritagesothathiswifeandsoncanobtaintheassetstocontinuetheirlivewithoutmeetingotherblockages.
6.InordertoarrangementMr.WuandMr.Wen’sshares,weareaimingatlistingourcompanytopublicandissuingstockstomakingmorefinancingandalsoseniormanagersandstaffcanpurchaseorgetasmallportionofsharestokeeptheirpositioninthecompanyandprotecttheirinterest.
7.ThecashflowisstillasignificantissuetoMr.Wu’scompany,weareeagertostabilizethecashflowsoastokeeptheoperationconsistentlyandmaketheinterestpaymentontime.Inaspectofhispersonalexpense,foeexample,hisdailyexpenditureandespeciallyhishospitalexpenseandmedicineexpense,wehavecomeupwithgoodstrategiestomanagementhisexpense,withoutgeneratinghugefluctuationofhistotalproperty.
8.Thelastgoal,whichfocusesontaxation,isdividedintotwopartsasfollowing,companytaxationandpersonaltaxation,respectively.Finalobjectivesaretominimizethetotaltaxwhethertopersonorthecompany.Asforthecompanyside,wecangeneratemoreexpenseortransferrevenuetoreducetheprofitbeforetax.
Whileontheotherside,wecanalsotransferincomeandthroughotherstrategies
todeclinethetaxationamount.
Tosumup,ourteamdonatesgreateffortstohelpMr.Wusolvehisproblemsoffamilyandcompanyandallinall,Mr.Wu’swifeandsonandcompanywillgetoptimalarrangementandmanagement.
Part2
I.AnalysisandsolutionstotheproblemsofMr.Wu’sfamily
Problem1.TheSchemeofJohn’sLivingandStudyingExpenses
ØSituation
Mr.Wuhasa15yearsoldson,namedJohn,whoisnowstudyinginhighschoolandreadytogoforUniversityabroadforstudyinganddevelopingcareerinfuture.Johnisinterestedincommerceandmanagementandhopetodevelopinthisaspect.UniversityofHongKongisoneofhischoices.
ØProblem
However,becauseofMr.Wu’spossiblehealthproblem,crisismayoccurtothemanagementofthecompanyandthere’remanyuncertaintiesinJohn’sfamily.Mr.Wu’sincomewon’tbeguaranteedandJohn’slivingandstudyingexpensesmaybeaffected.
ØSolutions&Suggestions
Johnis15now.Hewillstarthisuniversityyearintheageof18andendhisMaster’sDegreein23.Sothenumberofspendingyearsis5andeducationexpensesperannuminHK$todayis$248,000,whichincludes100,000oftutionfee,48,000ofhouseleaseand120,000oflivingexpenses.Sohistotaleducationfundattheageof18is$1,193,653intoday’svalue.
Thisisquitealargeamountofmoney.SeeingthepossibleproblemsofJohn’sfamily,wesuggestthatMr.WushouldbuyaneducationfundtoinsureJohn’sexpensesduringhiscollegeyears.
Accordingtothecalculationabove,John’sannualsavingsrequiredinHK$is$382,824inthefirstyearuntil$394,045inthethirdyear,inconsiderationoftheadjustedinflation.
IfMr.WuboughttheeducationinsuranceforJohn,theaccumulatedfundwouldincreasetoapproximately$1,304,337intheageof18andwouldbespentgraduallyeveryyearuntiltheageof23.
Alsothereisanothersolution.IfMr.WuputsomemoneyinthetrustfundagencytoensurethemoneyforJohn’sstudying,thetrustfundwillcalculatescientificallyandgiveJohnabout$248,000perannuminHK$.Inthisway,Johnwillhavethemoneytofinishhisstudyschedully.
ØEffects
Johnisahighschoolstudentnow,whohasnostableincomepermonth.Buthewillneedalargeamountofmoneyinthefuturetodevelophiscareer.InconsiderationofMr.Wu’shealthproblemandpossiblecrisisofthecompany,werecommendaneducationfundtothem.ThiswillprotectJohn’sstudyingandlivingexpensesfrombeinginfluencedbyhisfather’sbusiness,whichisalsoagoodguaranteeforJohn’sfuture.Iftheypaytheinsuranceaccordinglyeveryyear,Johnwillreceivethenecessaryreturnintheagefrom19to23,nomatterwhathappenedtohisfamily.Weuseeducationfundtoinsurehisstudyandavoidtherisk.
Problem2.MedicalandHealthCare
Insurance
ØSituation
Mr.Wuisveryhealthybecauseofhisnormallifestyle.However,Bhepatitiswasdiscoveredinhisbodycheckreport3yearsago.Nowhestartedtoworryabouthishealth.
ØProblem
Bhepatitisisakindofchronicdiseasewhichmayinfectothersifnotdealtwithappropriately.Thereisnospecificmedicinecuringthediseaseintheworlduntiltoday.Ifitisnottreatedimmediately,itmayevolveintolivercancer,whichisapotentialdangertohislifeandwillcostahugeamountofmedicalcareexpenses.
ØSolutions&Suggestions
AsBhepatitisisakindofchronicdiseasewhic
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