We are stuck because we have failed to do planning while Investing (with a Right brain….make every money work for you) as well as spending (with a Left brain……doing things for loved ones, value based spending). And most of the Read More …
Investing should be with Plan +logic and spending should be with your emotions + values – Major returns of your total Investments come from asset allocation and not from your selection of an individual security within a asset class. Higher Read More …
Sometimes we rise towards heights – and then, all will be seen to reverse themselves and start falling downwards. The great fact to remember is that ultimately the trend is upward forever. Like our life, Equity market also fluctuates, gives surprises Read More …
We love uncertainty and fluctuations in Books and Films but when it comes to life we have a strong desire & belief of certainty. We want someone to tell us what the future will look like even though we know Read More …
Today, we will be going through the convictions of “Nick Murray” (Industry’s most respected Financial Advisor, writer and professional speaker with more than 50 yrs of experience) Conviction 1 – Nick believes that the main risk isn’t losing one’s money, Read More …
Build asset with optimism and Passion, not with fear – Asset is the only thing that will work for you lifelong. Focus on building it with utmost care. It’s the only way towards financial freedom. Your Income – Always depends Read More …
Risk can be either transparent or non- transparent. Transparent Risk: When we invest in equity shares directly or through mutual funds, accurate information regarding the trends can be easily available and monitored. In case of mutual funds, price movements get Read More ...
For financial success here on, people have to shift from a product-centric approach to their financial situation without mistakes. Too many expenses and loans: – India has one of the best saving rates as compared to western nations, but the Read More …
Today is the time where you need to plan your Life and Finances by balancing Present and Future As we continue to deal with a global pandemic, more people are feeling life and financial stress, looking to an uncertain Read More …
1)Lazy in money management – Many people has a habit of keeping money idle in saving account or at home or investing only in fixed deposits. This habit erode your money day by day due to inflation . Your Read More …
We Listen: Discovery StageThis is a part of our first meeting wherein we discover one’s basic lifestyle and future goals, based on which further probable steps to achieve the goals are discussed.
Everyone has their own way to lead their life and thus everyone’s spending and saving pattern is unique. Money spending and saving behaviour of every person is a culmination of their age, upbringing, family background, place, culture, education and surrounding and past experiences.
Our listening process includes a questionnaire, through which we try to understand the following things-
1) Risk appetite – Understanding of one’s financial as well as behavioural aspects
2) Family’s expectations from Money – based on individual’s past experiences.
3) Financial strengths, Opportunities and threats.
No fees would be charged for this meeting.
We Plan: Enriching LivesIf you decide to opt for our financial planning services, we start off with a formal initiation letter to be signed along with collecting basic client data like your Income, Spending, Assets, Savings and Borrowings.
We guide you in finalizing and prioritizing your financial aspirations and prepare a net worth statement accordingly.
We guide you in maintaining Emergency Fund, managing Risk, planning the required amount of Insurance, managing loans and debt, provide planning for Retirement, Investments, Tax and Estate and other suggestions.
Through a financial plan, you get an idea so as to what amount you require to achieve financial freedom and independency so that you do not overly depend on your primary source of income.
One gets an idea about how much to run and where to draw a line and stop.
Finally, through financial planning we guide you in managing your Money, Risk ,Time and Taxes so that enough wealth may be Generated, Protected and Enjoyed forever..
We Built: Wealth CreationIn this third step –
Our focus is on execution and review of your spending plans.
A plan without action remains just a wish. So, to give meaning to your plan we stand by you to implement it.
After implementation we chart out asset allocation strategy and review that time to time.
We believe Financial planning isn’t a onetime process, it is a lifelong process.
Your only role is to understand your spending requirements clearly and in a disciplinary manner invest your savings and patiently watch them grow.
Our role is to be hand holding with you in your money related queries.
We live in an uncertain world where we go through many changes in our lifestyle and prioritizing our goals is an important aspect of our life.
Therefore, reviewing financial plans is a significant process.
We shall yearly review your financial plans and would service you as and when required.