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Feasibility Study for a Personal Financial Advisory Company
Feasibility Study for a Personal Financial Advisory Company
The Personal Financial Advisory Company aims to provide professional services in financial planning, personal budgeting, retirement planning, income and debt management, and basic investment guidance for individuals from various social segments.
The project targets a wide demographic of Saudi citizens and residents seeking to organize their financial lives, achieve personal goals, and avoid common spending or investment mistakes. Services are offered through a physical office and a digital application, ensuring flexible access for clients across the Kingdom.
Investment Opportunity Content
Targeted Products and Services
Targeted Products and Services
The company provides a wide range of personalized financial services for individuals, including:
Comprehensive personal financial planning.
Monthly budget management consultations and expense control.
Income review and savings enhancement recommendations.
Loan repayment and debt reduction plans.
Retirement and insurance advisory services.
Basic investment guidance (non-licensed brokerage services).
Financial literacy workshops, both virtual and in-person.
Regular client financial reports and personal performance analysis.
Market and Demand Analysis
Market and Demand Analysis
The Saudi market is witnessing significant growth in individuals’ awareness of the importance of financial stability and income management, especially with the rise in consumer loans and living costs. Government initiatives such as the “Financial Literacy Program” and “Investment Awareness” have contributed to growing demand for these services.
Studies show that over 70% of Saudis do not have clear financial plans for managing their personal finances. Additionally, a large proportion of borrowers lack professional guidance on the best methods for repayment, saving, and investing.
Target segments include:
Employees in both public and private sectors.
Young adults preparing for marriage or financial independence.
Families seeking long-term financial stability.
Individuals dealing with personal or home loans.
Entrepreneurs and small business owners.
The market is still in a growth phase, and competition remains relatively limited compared to traditional banking services, providing an opportunity to establish a trusted and specialized brand in the field.
Investment Advantages
Investment Advantages
This project offers several attractive investment advantages, including:
Relatively low operational costs compared to tech or retail ventures.
Ability to operate from a small or virtual office.
High demand for personal financial advice with limited supply.
Flexible service delivery (in-person, online, or hybrid).
Potential to expand into new segments such as family consulting, retirement planning, or services for low-income groups.
Opportunity to benefit from government support for entrepreneurship and financial literacy programs.
Project Features
Project Features
A socially valuable initiative that enhances financial awareness among individuals.
Scalable and expandable through multiple advisory teams and a digital application.
Relies on human expertise and specialization, making it more authentic and valuable than automated services.
Possibility to build a loyal client base through subscriptions or monthly consultations.
Strong marketing potential through educational content and community engagement.
Financial Indicators
Financial Indicators
The estimated initial capital required for the project ranges between SAR 200,000 and SAR 350,000, covering:
Office setup costs.
Development of a professional website and smart application.
Consultant salaries during the first few months.
Marketing expenses and brand identity development.
The project is expected to achieve an annual return on investment (ROI) between 20% and 28%, assuming it reaches its target client base and maintains service subscription rates.
The estimated payback period is between 18 to 24 months from the actual start of operations, with profitability increasing as the client base grows and service usage becomes recurrent.
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