Finance with Shar Bear

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Customized Financial Planning Investment Strategy Portfolio Review FIRE Planning (Financial Independence & Retire Early) Retirement Portfolio Planning & Liquidity Equity Research Outcome-oriented Stock Market Investments Risk-based Asset Allocation Side Income Generation from Options Trading Personal Finance Coaching Customized Budgeting & Cashflow Diversification Techniques and Guidance Wealth Preservation and Management Tax Planning/Efficiency Personalized Financial Literacy Passive Income from Dividends/Interest/FnO Hedging and Options Strategies Money Market/Bond Market/Mutual Funds Lifetime Cashflow Forecasting Tax Loss/Gain Harvesting

1. What am I allowed to ask? You can ask anything related to investing or personal finance! I am here to help you put your money in the right places so you can reach your financial goals. 2. How can I prepare for my meeting? After booking a meeting, you’ll fill out an intake form so I can learn more about you and your situation. I also recommend that you fill out a net worth statement, and know your income and expenses. 3. Do I get a summary after the meeting? Yes, you will receive an email summary with important takeaways and resources so you’ll know exactly what to do next (even if you’re not a note taker!). 4. Can I reschedule my appointment? Yes, you can reschedule at any time prior to your appointment. Just click the reschedule link in the Calendly website or mobile app, which can be accessed from your confirmation email. 5. Will the meeting be recorded? Yes, the meeting can be recorded for your records and made available to you on a shared google drive, shortly after your meeting. You can request for the recording to be turned off at any time or message me before your meeting to request that the recording is never turned on. You can also request for the recording to be permanently deleted at any time. 6. What can I ask? I can walk you through all of your investment questions. Some pointers below for guidance and reference: Investment Portfolio Review Choosing the correct investments Which stocks, mutual funds, index funds, or ETFs to choose Asset allocation Minimizing transaction fees and expense ratios Understanding risk Avoiding cash drag Which buttons to click to set up investments 401k (Traditional & Roth), IRA, Roth IRA, Backdoor Roth IRA and Megabackdoor Roth IRA Tax loss harvesting Efficient fund placement Tax implication of selling or rebalancing 7. Who do you work with and is there a minimum amount of capital needed? I work with anyone who is looking to grow their wealth over the long term. Just as the benefits of compounding take time, my relationship with my clients also take time to be rewarding and I would love to partner with you in your journey towards wealth creation. My best clients value and implement my feedback and advice, they benefit immensely from the ongoing financial and investment-related education I offer. There is no minimum amount of capital needed. 8. How will our relationship work? Per my philosophy, I put you (Client) at the center of all our discussions. I will start with an introductory meeting to better understand what is it you are trying to achieve with your money. I then design an investment framework that works best to help achieve those goals. Finally, I help you implement it using investment products such as Mutual funds, Stocks and other financial products based on your risk appetite. We then regularly review the progress made and make necessary changes. All through the engagement, I am available for phone calls or meetings and you will deal with me only from the first meeting to the last meeting, as much or as little as you would like. 9. What services do you offer? I will work with you to actively help manage your investments to reach your life goals. I provide unbiased views on how realistic your plans and goals are and help achieve major life goals such as retirement, children’s goals, cash flow planning, etc. Occasionally, I also conduct money management workshops that help larger groups understand their personal finances better. 10. What’s your investment philosophy? I firmly believe one needs simple products with adequate risk management to ensure long term success. My investment philosophy is based on having the right asset allocation on the basis your personal goals. No two of us are the same and hence every person needs to approach investing that is 100% personalized to them. I love to keep it simple when it comes to investing. Doing this ensures we get the best outcome with as little risk, all tailored for your risk tolerance, time horizon, and life goals. 11. How are you different from other financial advisors or firms? I offer a 100% individualized investing approach to every individual using simple proven and established products. I aim to improve your financial health and net worth but not by selling products like a typical Bank RM/Salesperson or Wealth management firm. You get a 100% committed personal finance coach who follows up to get you financially healthy! 12. How safe is it? No funds or securities flow through me or my bank accounts. Your money is invested straight either with your choice of Mutual fund company or Stock Broking Platform and similar, and at the time of redemption, all money flows into your bank account. I will help you set up your investments and insurances and at any time you can view and transact independently.

"The best thing money can buy is financial freedom."

Shar Bear created 'Finance Game Strong' in order to share the information he has learned while on the path to financial independence. He is a part of the Financial Independence, Retire Early (F.I.R.E) community and he wants to share all the knowledge he has gained during the process of F.I.R.E and his journey. Shar Bear knows that cash flow is one of the most important aspects of personal finance, especially for those on the path toward financial independence. Join Shar Bear as he learns and discusses various aspects of financial independence and how it could improve your own life.