Client 🙎🏻‍♂️vs 🤵🏻‍Advisor đź”… Risk 🙎🏻‍♂️ Client – I can’t handle the risk of losing capital 👩🏻‍💼 Advisor – Greater risk is erosion of our financial purchasing power. Inflation will turn out our money in to Powder. ___________ đź”… Safety Read More …
Safe investments are suicide in the rising-cost world. Investing for capital preservation alone is an ultimate carelessness. Ask yourself three questions ? 1) Are your investments generating adequate returns for you? 2) Are your investments getting closer to your lifetime Read More …
Wrong ways – 1) Buy now because the market is going up & sell when market is going down. 2) Buy now on the basis of past track record / past performance basis. 3) Buy now because Fixed Deposit Interest Read More …
1. Do you know, how much your income is growing? Ideally, your income should grow more than inflation. 2. Why part of your income should go to insurance and retirement? Insurance works as a SHIELD against your Income and Assets. Read More …
Be comfortable to go for a financial date with your Spouse Step 1 – Start with your money memories since childhood and try to share memories with each other. Step 2 – Set the goal for yourselves independently as well Read More …
What is Money? And how should be our behavior in equity investments? Money is the currency, things you are holding is currency which has a purchasing power which reduces daily. And investing in equities increases your purchasing power over a Read More …
Equity Market performs on the wings of Earnings of the great companies and Interest rate cycles – Stock holders of great companies go through from the pain of Volatility which doesn’t apply to FD holders. But volatility isn’t Risk. Our inability Read More …
May supreme light illuminate your mind, enlighten your heart and strengthen your bond at home and in community 🪔✨
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.