BUS 458 Entire Course

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BUS 458 Week 1 Assignment Tax and Retirement Planning

Tax and Retirement Planning. After reviewing the required articles for this week and researching at least two other relevant sources in the Ashford Library and the internet, describe the possible tax issues a client would need to address in a financial plan. In addition, evaluate the various retirement plans available to most savers. The paper should be two to three pages (not including title and reference pages) and formatted according to APA style guidelines.

BUS 458 Week 1 DQ 1 Financial Planning Process

Financial Planning Process. In Chapter 1, the steps in the process of financial planning and building blocks of the financial planning pyramid are described. Some observers feel that the role of financial planners is overrated and that with a bit of common sense individuals could provide financial planning themselves. In 200-250 words, respond to this opinion and illustrate the rationale behind your response.

BUS 458 Week 1 DQ 2 Industry Regulation

Industry Regulation. Many market participants feel that the financial services industry is one of the most regulated industries on the planet and is, in fact, overregulated and such constrictions prohibits growth and unnecessarily adds costs. In 200-250 words, indicate why you agree or disagree with this opinion. Guided Response: Review several of your peers’ posts. Comment on their insights regarding the current disposition of regulatory involvement in the industry. Respond to at least two of your peers and provide recommendations to extend their thinking in the area of governmental coverage of planner behavior.

BUS 458 Week 2 Assignment Risk Return and Investments

Risk, Return, and Investments. After reviewing the required articles for this week and researching at least two other relevant scholarly sources in the Ashford Library and/or on the Internet, include the following in your paper:

1. Describe why it is important for a financial planner to assess a client’s risk tolerance.
2. Explain how to determine a client’s risk tolerance.
3. Explain the risks associated with each of the following asset classes: stocks, bonds, cash, real estate, and
   precious metals.
4. Describe the potential returns a client should expect from each of the asset classes.

The paper must be two to three double-spaced pages in length (not including title and reference pages) and formatted according to APA style guidelines.

BUS 458 Week 2 DQ 1 Client Communication

Client Communication. Chapter 3 deals with client communication aspects. In 200-250 words, describe any potential issues with obtaining trust and relevant information from clients. Is it easy for people to talk about their financial situation? Why? For what reasons would clients give misinformation to financial advisers?
Guided Response: Review several of your peers’ posts. Give feedback to at least two of your peers as to the validity of their responses.

BUS 458 Week 2 DQ 2 Decision Making

Decision Making. Read the article, “Dan Isenberg Part 2: Behind Every Great Entrepreneur is a Great Entrepreneur.” Based on the interview, describe the challenges that an entrepreneur will face given the risk of failure. Chapter 4 introduces the behavioral finance approach to decision making. Compare this approach to the traditional decision-making approach and indicate which you feel is more useful in the formation of a financial plan. Respond to at least two of your classmates’ posts.

BUS 458 Week 3 Assignment Risk Management and Estate Planning

Risk Management and Estate Planning. After reviewing the required articles for this week and researching at least two other relevant sources in the Ashford Library and/or on the Internet:

1. Describe the role of insurance in the risk management aspect of a financial plan.
2. Analyze the estate planning tools and techniques relevant in financial planning.

The paper should be two to three pages (not including title and references pages) and formatted according to APA style guidelines.

BUS 458 Week 3 DQ 1 Professional Judgment

Professional Judgment. Chapter 5 illustrates the need to employ professional judgment in the crafting of a financial plan. Some feel that professional judgment is hard to actually define. Do you agree or disagree with this statement. Why? In 200-250 words, indicate your response with corresponding rationale. Guided Response: Review several of your peers’ posts. Give additional advice to at least two of your peers on how to extend their responses.

BUS 458 Week 3 DQ 2 Know Thy Customer

Know Thy Customer. In Chapter 6, the concept of “know thy customer” is discussed. In 200-250 words, examine how static this knowledge is. Discuss the dangers to the adviser who violates this rule. Guided Response: Analyze several of your peers’ posts. Let at least two of your peers know how to advance their thinking on this.

BUS 458 Week 4 DQ 1 Triangulation

Triangulation. In Chapter 7, the concept of triangulation is defined. In 200-250 words, discuss this concept within the context of professional judgment on the part of the financial planner and how analysis is accomplished in the preparation of a financial plan.
Guided Response: Review several of your peers’ posts. Challenge them to extend their thinking. Be sure to respond to at least two of your peers.

BUS 458 Week 4 DQ 2 Implementation and Monitoring

Implementation and Monitoring. According to Chapter 8, the implementation and monitoring of a financial plan’s recommendations are essential parts of the systematic process. In 200-250 words, illustrate why implementation and monitoring are perhaps the most important aspects of the financial planning process.
Guided Response: Evaluate several of your peers’ posts. Let at least two of your peers know your thoughts on their responses and add to the conversation of possible outcomes if implementation and monitoring plans do not occur.

BUS 458 Week 5 DQ 1 Needs Problems Goals

Needs, Problems, Goals. In 200-250 words, discuss the components which make up a financial plan. Contrast the relative importance of each component.
Guided Response: Review several of your peers’ posts. Give additional input to at least two of your peers regarding their exploration of the relative importance of the components.

BUS 458 Week 5 DQ 2 Financial Plan Competent

Financial Plan Competent. In 200-250 words, discuss what the most likely client needs, problems and goals are that a financial planner will want to address in a financial plan.
Guided Response: Analyze several of your peers’ posts. Let at least two of your peers know how their responses are insightful and add to their thinking with relevant examples and illustrations.

BUS 458 Week 5 Final Project The Construction of a Financial Plan for a Client

The Construction of a Financial Plan for a Client
Construct a basic financial plan for a client. The client can be you, a family member, or a friend. The client has to be someone from whom you can gain financial information and interview for goals, objectives, special problems, and net worth knowledge.
Refer to Chapter 9 of the text for guidance to formatting a basic financial plan. When applicable, include
tables/charts/graphs to illustrate quantitative data or to support the narrative. The financial plan should include:
A financial plan style cover page
Client profile, summary of goals and assumptions
Develop an executive summary of observations and recommendations
Construct a cash flow analysis (a simple net cash flow evaluation: cash inflows minus cash outflows)
Construct a net worth analysis. (a simple balance sheet for the client: assets minus liabilities = net worth)
Tax analysis (what can the client do to minimize taxes?)
Retirement analysis (determine if client’s current investments and savings will be sufficient to sustain long-term retirement)
Insurance/risk management analysis (determine how much life insurance is needed to replace income and consider if any of the following needs to be covered—health/disability, long-term care, property/liability insurance, umbrella insurance)
nvestment analysis (Include an identification of risk tolerance, complete an asset allocation analysis, and consider risk/return of current portfolio (what it should be and how the portfolio should be altered)
Estate planning analysis (consider all options to see if relevant to the client)
Specialized analysis (be sure to include at least one of the following—educational funding, planning for special needs, refinancing scenarios, or saving for special problems)
Implementation and monitoring section
Provide a one-page summary describing your role in the process of developing this financial plan: include a discussion of client relation and interaction, the research and analysis process (including assessment of risk), development of the financial plan, and delivery of the financial plan to the client.
The financial plan should be eleven to fourteen pages in length (not including title and reference pages).
Be sure to include a minimum of three but no more than five references (cite all references properly according to APA style). The financial plan should be eleven to fourteen pages in length (not including title and reference pages).

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