With the need to put his personal finances in order, in 2019 Emanuel Fragapane, associated with the Sequiro consultancy where he works as a financial advisor, decided to start his training with the first intention of putting his economy under control and achieving projection. “I was at a point in my life where I knew I needed tools to plan my finances and thus be able to project my future, but I didn’t know how or where to find them. I like reading and always learning new things, so I started consuming all kinds of literature to help me in my search, but without knowing exactly what I needed or where to find it. I started with several books on financial education, and then I took a personal finance course. That’s when I understood that I needed to change several of my financial habits, and acquire others that I didn’t have. I also found myself in a world totally unknown to me, as is the world of investments”, recalls Emanuel about the moment he decided to start training more formally in the world of capital markets and corporate finance at the ICB (Instituto of Stock Market Training) and later with the technical degree as a University Expert in Capital Markets at the UTN. “Finally, as I acquired different tools that allowed me to organize myself financially and gave me the ability to plan, my greatest wish was to be able, in some way, to pass on what I had learned to help many who were in the same situation. It was there when I decided to train as a Certified Financial Advisor at the IAEF (Argentine Institute of Finance Executives) and together with my experience and training as an educator for more than 10 years, to be able to contribute to financial education”, says Emanuel.
– Why do you consider it so necessary to plan financially for the future?
I believe that planning is an innate need and desire in all of us. In order to project ourselves into the future, we all need a certain framework of financial security, whether we live alone, as a couple, with children or grandchildren, whether we live in Argentina or in any other part of the world. We all need financial predictability, and planning is the means to carry out our goals and desires regardless of conditions over which we have no control. For me, financial planning is synonymous with financial freedom. The constant increase in the cost of living, education and health are some of the main reasons why we must do it efficiently. To this we can also add issues such as having a reserve fund for emergency or unforeseen situations such as becoming unemployed or having to stop working due to a health impediment or any other reason that requires us to have a backup sum of money. Preparing financially for retirement is perhaps one of the most fashionable topics today and to which we should pay close attention, as soon as possible. This implies a turning point in people’s lives, since it determines a change in the rate of savings, as well as a decrease in income. Proper financial planning will allow our quality of life not to be affected by these circumstances.
– Are there really financial solutions?
The solution is adequate and efficient planning carried out in advance. This planning will require certain technical knowledge, so it is advisable to carry it out with specialized professionals.
– Can you learn to do it?
Among the most basic things that include planning is the creation of a budget, the proper use of debts, financial risk management and asset protection, among many others. This process will also require that we develop new habits and behaviors and, of course, accompany them with discipline and perseverance in order to achieve adequate financial health. There is nothing that cannot be learned or a condition that cannot be achieved, you just have to have the tools, the right means and an inexhaustible desire to want to achieve it.
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by CEDOC