{"id":214,"date":"2025-08-11T12:57:59","date_gmt":"2025-08-11T10:57:59","guid":{"rendered":"https:\/\/financialplanning.adrirodrigom3.es\/?page_id=214"},"modified":"2025-12-26T15:42:43","modified_gmt":"2025-12-26T14:42:43","slug":"programa-yowelfare","status":"publish","type":"page","link":"https:\/\/financialplanning.adrirodrigom3.es\/en\/programa-yowelfare\/","title":{"rendered":"Yowelfare Program"},"content":{"rendered":"
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Financial Education Program: YoWelfare<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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It is a financial education program<\/strong> practical and personalized that helps you design and implement your own financial plan, step by step, with the help of a Personal Financial Educator and tailored to your situation.<\/p>

Accompanied by a certified Personal Financial Educator, you will work on:<\/p>

  1. Define your life goals.<\/strong><\/p><\/li>

  2. Organize your resources: Balance sheet, income statement and budget.<\/strong><\/p><\/li>

  3. Design a customized strategy for each of the areas: protection, retirement, indebtedness and investment.<\/strong><\/p><\/li>

  4. Implement your plan by making consistent, efficient and effective decisions.<\/strong><\/p><\/li>

  5. Review and update your plan periodically to adapt it to changes in your life.<\/strong><\/p><\/li><\/ol>

    All under international quality standards UNI 11402<\/b> financial literacy of citizens and ISO 22222 <\/b>personal financial planning.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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    \n\t\t\t\t\t\t\n\t\t\t\t\t\t\tThe Idea:\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

    \n\t\t\t\t\t\tHave a guide, or instruction manual to make my financial plan.\t\t\t\t\t<\/p>\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

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    \n\t\t\t\t\t\t\n\t\t\t\t\t\t\tThe Action:\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

    \n\t\t\t\t\t\tAcquire knowledge, tools, and assistance from a personal financial educator and AEPF.\t\t\t\t\t<\/p>\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>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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    YoWelfare Financial Education Program Areas<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    1.Vital Objectives<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    The Idea: <\/strong> What do I need money for today and tomorrow?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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    \n\t\t\t\t\t\t\t\t\tExamples: <\/strong>\n
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    • How much does the house I want cost?\n \tWhen could I buy it?<\/li>\n \t
    • How much does the car I need cost?\n \tWhen do I buy it?<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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      The Action: <\/strong> How do I make sure I get what I want?<\/p>\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<\/div>\n\t\t\t\t

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      Budgeting<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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      The Idea: <\/strong> How could I save more money and spend less?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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      \u00abSaving doesn't mean anything in itself. What matters is why you do it: for yourself, for your family, for your future, and for the present.\u00bb.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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      The Action: <\/strong> Strategies that can be used.<\/p>\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<\/div>\n\t\t\t\t

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      3.Protection planning<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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      \n\t\t\t\t\t\t\t\t\tThe Idea: <\/strong> What if I can't work, is my family and myself protected?\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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      \n\t\t\t\t\t\t\t\t\tExamples: <\/strong>\n
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      • What would happen if I died prematurely?<\/li>
      • What if you had a serious illness or disability?<\/li>\n
      • How much would it cost to protect my income?<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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        \n\t\t\t\t\t\t\t\t\tThe Action: <\/strong> How can I achieve this and stay calm?\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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        Planning for retirement<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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        \n\t\t\t\t\t\t\t\t\tThe Idea: <\/strong> What do I need money for today and tomorrow?\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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        Examples: <\/strong><\/p>

        • Is a pension plan the solution?<\/li>
        • Buy an apartment and rent it?<\/li>
        • Do nothing because it will come to me with the public pension?<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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          \n\t\t\t\t\t\t\t\t\tThe Action: <\/strong> How to do something that will be profitable today and tomorrow?\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<\/div>\n\t\t\t\t
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          5.Plan the indebtedness<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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          \n\t\t\t\t\t\t\t\t\tThe Idea: <\/strong> Do I know when and how to get into debt?\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
          \n\t\t\t\t
          \n\t\t\t\t\t\t\t\t\tExamples: <\/strong>\n
            \n \t
          • Do I know how to negotiate a mortgage?<\/li>\n
          • Do I know if it is better to lease or buy?<\/li>\n
          • Can the mortgage I have be improved?<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
            \n\t\t\t\t
            \n\t\t\t\t\t\t\t\t\tThe Action: <\/strong> To take advantage of the indebtedness and not to make it a burden.\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<\/div>\n\t\t\t\t
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            Investment planning<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
            \n\t\t\t\t
            \n\t\t\t\t\t\t\t\t\tThe Idea: <\/strong> Do I know how, when and for what purpose to invest my savings? I would like to know?\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
            \n\t\t\t\t
            \n\t\t\t\t\t\t\t\t\tThe Action: <\/strong> To have a tool to control investments and who advises me.\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

            Programa Educaci\u00f3n Financiera: YoWelfare Es un programa de educaci\u00f3n financiera pr\u00e1ctico y personalizado que te ayuda a dise\u00f1ar y poner en marcha tu propio plan financiero, paso a paso, con ayuda de un Educador Financiero Personal y adaptado a tu situaci\u00f3n. Acompa\u00f1ado por un Educador Financiero Personal certificado, trabajar\u00e1s en: Definir tus objetivos vitales. Organizar […]<\/p>\n","protected":false},"author":7,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_joinchat":[],"footnotes":""},"class_list":["post-214","page","type-page","status-publish","hentry"],"yoast_head":"\nPrograma Yowelfare - CS Financial Planning<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Programa Yowelfare - CS Financial Planning\" \/>\n<meta property=\"og:description\" content=\"Programa Educaci\u00f3n Financiera: YoWelfare Es un programa de educaci\u00f3n financiera pr\u00e1ctico y personalizado que te ayuda a dise\u00f1ar y poner en marcha tu propio plan financiero, paso a paso, con ayuda de un Educador Financiero Personal y adaptado a tu situaci\u00f3n. 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