{"id":7765,"date":"2026-02-24T01:27:16","date_gmt":"2026-02-24T01:27:16","guid":{"rendered":"https:\/\/ptgtn.com\/?p=7765"},"modified":"2026-03-05T04:30:17","modified_gmt":"2026-03-05T04:30:17","slug":"financial-planning","status":"publish","type":"post","link":"https:\/\/ptgtn.com\/id\/2026\/02\/24\/financial-planning\/","title":{"rendered":"Financial Planning"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"7765\" class=\"elementor elementor-7765\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d95ade4 e-flex e-con-boxed e-con e-parent\" data-id=\"d95ade4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6a2ed07 elementor-widget elementor-widget-heading\" data-id=\"6a2ed07\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Financial Planning &amp;\nGeopreneurship Workshop<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53de587 elementor-widget elementor-widget-heading\" data-id=\"53de587\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Course Objective<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b88d242 elementor-widget elementor-widget-text-editor\" data-id=\"b88d242\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>This program is designed to help employees develop the skills needed to manage the funds they receive upon entering retirement, ensuring that these funds are sufficient to meet their living needs. This capability will greatly assist employees in managing their finances effectively and allocating their retirement funds wisely. In addition, case studies on business development in the geoscience sector (particularly oil and gas) are provided to help participants explore their potential, expand their professional networks, and build the mindset required to start a business in the geoscience field.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0702805 elementor-widget elementor-widget-heading\" data-id=\"0702805\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Instructor<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-01019d3 elementor-widget elementor-widget-text-editor\" data-id=\"01019d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"0\" data-end=\"642\">Our instructors are seasoned professionals with extensive experience and a proven track record in their respective fields. The first instructor is a Certified Financial Planner with over 20 years of experience in the financial industry, supported by a multidisciplinary academic background spanning economics, engineering, and postgraduate studies in investment management both domestically and internationally. After gaining experience in the national banking sector, she has been practicing as a financial planner since 2007 and currently leads a financial consulting firm specializing in strategic financial planning and fund management.<\/p><p data-start=\"644\" data-end=\"1231\" data-is-last-node=\"\" data-is-only-node=\"\">The second instructor brings more than 20 years of experience in Data Management and over a decade of entrepreneurial expertise. With an academic background in geological engineering, he built his career in the oil and gas industry with multinational companies before establishing and leading consulting and training firms in the geoscience sector, while also expanding business ventures in the tourism industry. The combination of their financial, technical, and entrepreneurial expertise provides participants with a comprehensive, practical, and results-oriented learning perspective.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31810d9 elementor-widget elementor-widget-heading\" data-id=\"31810d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Deliverables<\/div>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ac09fbd e-con-full e-flex e-con e-child\" data-id=\"ac09fbd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-82a09d1 elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"82a09d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tMeeting Room &amp; Accomodation\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef34538 elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"ef34538\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tTraining certificate\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dddc434 elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"dddc434\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tProffessional trainer\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f470dfa elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"f470dfa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tFood and Beverages\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e3d226 elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"4e3d226\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tTraining materials\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b4b257b elementor-widget elementor-widget-heading\" data-id=\"b4b257b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Agenda<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-457ac34 elementor-widget elementor-widget-text-editor\" data-id=\"457ac34\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>DAY 1<\/strong><\/p><p><strong>Financial Checkup\u00a0<\/strong><\/p><ul><li>Client Profile: Age, lifestyle, monthly financial management pattern, installment obligations, and family dependents (detailed discussion during the One-on-One Consultation on Day 3)<\/li><li>Risk Profile Analysis<\/li><li>Personal and Family Cash Flow Analysis<\/li><li>Asset and Liability Recording<\/li><\/ul><p data-start=\"0\" data-end=\"28\"><strong data-start=\"0\" data-end=\"26\">Family Financial Goals<\/strong><\/p><ul><li data-start=\"31\" data-end=\"92\">Education fund, retirement fund, and pilgrimage travel fund<\/li><li data-start=\"31\" data-end=\"92\">Other investment objectives (entrepreneurship, property, food and beverage business, etc.)<\/li><\/ul><p data-start=\"0\" data-end=\"67\"><strong>Financial Planning and Investment Calculation Application (Excel)<\/strong><\/p><ul><li data-start=\"70\" data-end=\"166\">The concept of Time Value of Money (TVM) and its application in household financial management<\/li><li data-start=\"169\" data-end=\"307\">Family Financial Records: net worth (balance sheet), cash records (cash flow statement), financial ratios, and emergency fund assessment<\/li><li data-start=\"310\" data-end=\"412\">Evaluation of savings rate, asset level, debt level, emergency fund adequacy, and retirement readiness<\/li><\/ul><p data-start=\"0\" data-end=\"30\"><strong data-start=\"0\" data-end=\"28\">Retirement Fund Planning<\/strong><\/p><ul><li data-start=\"33\" data-end=\"147\">Calculating retirement needs (replacement ratio method and expense method) using the Time Value of Money concept<\/li><li data-start=\"150\" data-end=\"225\">Planning retirement income sources (retirement asset allocation strategy)<\/li><li data-start=\"228\" data-end=\"318\">Funding potential shortfalls, pension program schemes in Indonesia, and annuity products<\/li><li data-start=\"321\" data-end=\"387\">Common mistakes in retirement planning (impact of inflation, etc.)<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15a588a elementor-widget elementor-widget-text-editor\" data-id=\"15a588a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><b>DAY 2<\/b><\/p><p><strong data-start=\"0\" data-end=\"51\">Insurance Planning and Personal Risk Management<\/strong><\/p><div class=\"flex flex-col text-sm pb-25\"><article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"request-WEB:4d371f4c-a443-4bbd-b906-c0d934c8ad1d-12\" data-testid=\"conversation-turn-2\" data-scroll-anchor=\"true\" data-turn=\"assistant\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @w-sm\/main:[--thread-content-margin:--spacing(6)] @w-lg\/main:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\"><div class=\"flex max-w-full flex-col grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"dd517a52-f423-4e0d-8b8d-060c2de25293\" data-message-model-slug=\"gpt-5-2\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[1px]\"><div class=\"markdown prose dark:prose-invert w-full wrap-break-word light markdown-new-styling\"><ul><li data-start=\"55\" data-end=\"147\">Fundamental principles and insurance contract provisions that consumers need to understand<\/li><li data-start=\"150\" data-end=\"251\">Types of insurance: Health Insurance, Life Insurance, Long-Term Insurance, and Unit-Linked Products<\/li><\/ul><ol><li data-start=\"256\" data-end=\"401\">Life Insurance: Term life policy, limited-payment whole life policy, whole life insurance compared to term policies and investment products<\/li><li data-start=\"405\" data-end=\"534\">Term Insurance: Level benefit, decreasing benefit, increasing benefit, family income benefit, and their respective purposes<\/li><li data-start=\"538\" data-end=\"563\">Endowment Insurance<\/li><li data-start=\"567\" data-end=\"632\">Riders, General Insurance, and other supplementary coverage<\/li><li data-start=\"636\" data-end=\"708\">PAYDI: Investment-linked insurance products (unit-linked policies)<\/li><li data-start=\"712\" data-end=\"786\">Other essential insurance products that should be introduced and explained<\/li><\/ol><p><strong>Investment and Financial Products<\/strong><\/p><ul><li data-start=\"42\" data-end=\"80\">Fundamental Principles of Investment<\/li><li data-start=\"83\" data-end=\"101\">Banking Products<\/li><li data-start=\"104\" data-end=\"130\">Capital Market Products:<br \/><strong data-start=\"136\" data-end=\"146\">1. Stocks<\/strong> (Stock Analysis &amp; Valuation for Long-Term Investment Purposes)<br \/><strong data-start=\"217\" data-end=\"233\">2. Mutual Funds<\/strong> (How to Calculate Returns, Select Instruments, and Understand Tax Considerations)<br \/><strong data-start=\"323\" data-end=\"359\">3. Fixed-Income Investment Products<\/strong> (Money Market Instruments, Long-Term Instruments, and Derivatives Accessible to Retail Investors such as Government Bonds, AAA-Rated Corporate Bonds; Bond Pricing, Yield, and Coupon Analysis)<br \/><strong data-start=\"559\" data-end=\"588\" data-is-last-node=\"\">4. Futures Exchange Products<\/strong><\/li><\/ul><\/div><\/div><\/div><\/div><\/div><\/div><\/article><\/div><div class=\"pointer-events-none h-px w-px absolute bottom-0\" aria-hidden=\"true\" data-edge=\"true\">\u00a0<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48db930 elementor-widget elementor-widget-text-editor\" data-id=\"48db930\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><b>DAY 3<\/b><\/p><p><strong>Developing a Financial Plan \u2013 One-on-One Session<\/strong><\/p><div class=\"flex flex-col text-sm pb-25\"><article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"request-WEB:4d371f4c-a443-4bbd-b906-c0d934c8ad1d-12\" data-testid=\"conversation-turn-2\" data-scroll-anchor=\"true\" data-turn=\"assistant\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @w-sm\/main:[--thread-content-margin:--spacing(6)] @w-lg\/main:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\"><div class=\"flex max-w-full flex-col grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"dd517a52-f423-4e0d-8b8d-060c2de25293\" data-message-model-slug=\"gpt-5-2\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[1px]\"><div class=\"markdown prose dark:prose-invert w-full wrap-break-word light markdown-new-styling\"><ul><li data-start=\"71\" data-end=\"216\">Financial planning aligned with individual risk profiles, current financial conditions, and short-, medium-, and long-term financial goals.<\/li><li data-start=\"219\" data-end=\"359\">Comprehensive financial assessment, including financial goal setting, asset-liability balance sheet, and household cash flow analysis.<\/li><li data-start=\"362\" data-end=\"435\">Calculation of financial needs based on the family\u2019s financial goals.<br \/><p>1. Monthly Financial Needs After Layoff (Short-Term)<br \/>a. Calculation of asset sources that can generate returns to cover monthly expenses<br \/>b. Selection of suitable financial and investment products<\/p><p>2. Education Fund (Long-Term)<br \/>a. Calculation of the education funding plan<br \/>b. Selection of appropriate financial and investment products<\/p><p>3. Retirement Needs (Long-Term)<br \/>a. Calculation of the retirement funding plan<br \/>b. Selection of financial and investment products<\/p><p>4. Other Investment Goals (Entrepreneurship, etc.)<\/p><\/li><li>Conducting an insurance needs analysis based on a financial checkup and personal goals.<\/li><li>Developing step-by-step financial planning strategies, particularly after experiencing a layoff (termination of employment).<\/li><\/ul><p><strong>Wirausaha Bidang Geosains (Geopreneurship)<\/strong><\/p><ul><li data-start=\"83\" data-end=\"137\">Recognizing entrepreneurial potential within oneself<\/li><li data-start=\"140\" data-end=\"241\">Techniques for identifying business opportunities in the industrial sector (especially geosciences)<\/li><li data-start=\"244\" data-end=\"274\">Business start-up strategies<\/li><li data-start=\"277\" data-end=\"300\">Capital and financing<\/li><li data-start=\"303\" data-end=\"347\">Marketing strategies (Sales and Marketing)<\/li><li data-start=\"350\" data-end=\"584\">Leveraging geoscience expertise for oil &amp; gas business (Seismic Interpretation, Log Analysis, Seismic Reprocessing, Geochemistry Specialist) and non-oil &amp; gas sectors (Hydrogeology, Geotourism, Environmental Geology, Mining Geology)<\/li><\/ul><\/div><\/div><\/div><\/div><div class=\"mt-3 w-full empty:hidden\"><div class=\"text-center\">\u00a0<\/div><\/div><\/div><\/div><\/article><\/div><div class=\"pointer-events-none h-px w-px absolute bottom-0\" aria-hidden=\"true\" data-edge=\"true\">\u00a0<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-71ecdc8 e-con-full e-flex e-con e-child\" data-id=\"71ecdc8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a46d307 elementor-widget elementor-widget-text-editor\" data-id=\"a46d307\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>For more details, please contact our administrator<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48f9ac2 elementor-widget elementor-widget-button\" data-id=\"48f9ac2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/api.whatsapp.com\/send?phone=6282113937246&#038;text=Hello%20ptgtn.com%2C%20I%20would%20like%20to%20consult%20regarding%20the%20training%20services%20offered%20by%20your%20company\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-comments\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M532 386.2c27.5-27.1 44-61.1 44-98.2 0-80-76.5-146.1-176.2-157.9C368.3 72.5 294.3 32 208 32 93.1 32 0 103.6 0 192c0 37 16.5 71 44 98.2-15.3 30.7-37.3 54.5-37.7 54.9-6.3 6.7-8.1 16.5-4.4 25 3.6 8.5 12 14 21.2 14 53.5 0 96.7-20.2 125.2-38.8 9.2 2.1 18.7 3.7 28.4 4.9C208.1 407.6 281.8 448 368 448c20.8 0 40.8-2.4 59.8-6.8C456.3 459.7 499.4 480 553 480c9.2 0 17.5-5.5 21.2-14 3.6-8.5 1.9-18.3-4.4-25-.4-.3-22.5-24.1-37.8-54.8zm-392.8-92.3L122.1 305c-14.1 9.1-28.5 16.3-43.1 21.4 2.7-4.7 5.4-9.7 8-14.8l15.5-31.1L77.7 256C64.2 242.6 48 220.7 48 192c0-60.7 73.3-112 160-112s160 51.3 160 112-73.3 112-160 112c-16.5 0-33-1.9-49-5.6l-19.8-4.5zM498.3 352l-24.7 24.4 15.5 31.1c2.6 5.1 5.3 10.1 8 14.8-14.6-5.1-29-12.3-43.1-21.4l-17.1-11.1-19.9 4.6c-16 3.7-32.5 5.6-49 5.6-54 0-102.2-20.1-131.3-49.7C338 339.5 416 272.9 416 192c0-3.4-.4-6.7-.7-10C479.7 196.5 528 238.8 528 288c0 28.7-16.2 50.6-29.7 64z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact Us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n    <div class=\"xs_social_share_widget xs_share_url after_content \t\tmain_content  wslu-style-1 wslu-share-box-shaped wslu-fill-colored wslu-none wslu-share-horizontal wslu-theme-font-no wslu-main_content\">\n\n\t\t\n        <ul>\n\t\t\t        <\/ul>\n    <\/div> \n","protected":false},"excerpt":{"rendered":"<p>Financial Planning &amp; Geopreneurship Workshop Course Objective This program is designed to help employees develop the skills needed to manage the funds they receive upon entering retirement, ensuring that these funds are sufficient to meet their living needs. This capability will greatly assist employees in managing their finances effectively and allocating their retirement funds wisely. [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"elementor_theme","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[242],"tags":[],"class_list":["post-7765","post","type-post","status-publish","format-standard","hentry","category-special-topics"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Financial Planning - GTN Consulting &amp; Training<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ptgtn.com\/id\/2026\/02\/24\/financial-planning\/\" \/>\n<meta property=\"og:locale\" content=\"id_ID\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financial Planning - GTN Consulting &amp; Training\" \/>\n<meta property=\"og:description\" content=\"Financial Planning &amp; Geopreneurship Workshop Course Objective This program is designed to help employees develop the skills needed to manage the funds they receive upon entering retirement, ensuring that these funds are sufficient to meet their living needs. 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