Sequis Life is urging individuals to make financial planning their principal New Year resolution as they approach 2026, arguing that disciplined, structured planning is the best defence against persistent inflation and economic uncertainty. According to the original report, the insurer recommends a five-step framework to move toward “financial health” that starts with a comprehensive evaluation of current finances and ends with protecting wealth through insurance. [1]
Yan Ardhianto Handoyo, Faculty Head of Sequis Quality Empowerment, outlined the five stages in remarks published on 15 December 2025, saying: “Perencanaan keuangan bukan sekadar mencatat uang masuk dan keluar, tapi tentang menyiapkan arah dan disiplin dalam mencapainya.” He framed the guidance as a practical, stepwise approach designed to be easy to implement and sustain. [1][4]
The first stage stresses a full audit of income, spending and balance-sheet items , including often-overlooked small recurring expenses , to establish an accurate financial baseline. The second stage calls for setting clear, measurable goals, with examples ranging from accumulating Rp100 million for a wedding to saving Rp10 million for a child’s school entry; specificity, Sequis says, aids prioritisation and allocation. [1]
The third stage focuses on disciplined budgeting, with the 50/30/20 rule promoted as a simple starting point and a caution to avoid consumer debt, keeping instalments below 30% of income. The fourth stage recommends growing assets in line with objectives and risk appetite: conservative, short-term goals may favour deposits or government bonds, while long-term, higher-risk objectives could justify equity or equity mutual funds. Industry outreach by Sequis has repeatedly emphasised these same fundamentals in public financial‑literacy forums. [1][5][3]
The fifth and final stage is protection: Yan and Sequis urge allocating a portion of income to insurance to guard against life’s shocks, with Yan recommending at least 10% of income be earmarked for protection. The company is promoting Sequis Future Saver Insurance as a dwiguna product that combines life protection with long‑term planning components; according to the announcement, the product is designed to integrate savings accumulation with life cover. Editorially, this should be read as the company’s positioning of the product rather than an independent endorsement. [1]
Sequis’ messaging is consistent with the group’s wider financial‑education work. Company events and commentary from Yan have repeatedly advocated understanding cash flow, realistic budgeting and caution around short‑term, high‑cost credit and online gambling , themes targeted particularly at younger demographics to build resilience and prevent financial harm. Testimonials and forums organised by Sequis underscore the firm’s interest in linking literacy efforts to product solutions. [2][5][6][7]
For consumers weighing the recommendations, the guidance offers a pragmatic checklist: know your numbers, set measurable goals, budget with discipline, match investments to horizon and risk, and ensure adequate insurance cover. Industry data and Sequis’ outreach suggest this combination, education plus tailored products, remains the insurer’s preferred route to helping clients navigate inflationary pressures and plan for 2026. [1][5]
##Reference Map:
- [1] (Warta Kota / Wartakotalive.com) - Paragraph 1, Paragraph 2, Paragraph 3, Paragraph 4, Paragraph 5, Paragraph 7
- [4] (Cake.me profile of Yan Ardhianto) - Paragraph 2
- [5] (Sequis news release: Sequis Talk forum) - Paragraph 4, Paragraph 7
- [2] (Sequis customer testimonials) - Paragraph 6
- [3] (Pasardana: Merdeka finansial piece) - Paragraph 4
- [6] (JakartaKita article on financial literacy) - Paragraph 6
- [7] (Semarak: Sequis on millennial literacy) - Paragraph 6
Source: Noah Wire Services