Dear Real Wealth Seekers, Creating wealth is one side of the coin; aligning the use of that wealth with your values is the other. Over the last 25 years of my financial planning practice, I have learned a few timeless Read More …
Why Staying Invested Matters! The mentioned quote by Brian Portnoy reminds us that investment decisions driven by emotion rather than logic can often do more harm than good. When we constantly switch or “churn” our investments because of market noise Read More …
How clear financial goals help you stay away from anxiety, fear and jealousy? Staying in a large apartment complex, in the IT hub of India, Bangalore and being a finance professional, I meet many people from across the country. During Read More …
Retirement Income Planning Most important: Two things Duration & Direction Duration- Retirement income should take care of a person life long. Direction – Our income should continuously rise throughout our lives. True safety is in preservation of purchasing power. Don’t Read More …
Don’t focus on the Best Investment, just become the best Investor – Most investors don’t understand that. There’s a difference between investment returns and investor returns. Imagine you are reading the newspaper and there’s an ad for a mutual fund. Read More …
What are our Inner resources? Our Skills, Positivity, Honesty, Discipline, Persistence, Good health habits, Care & Dedication… Most important amongst all resources is SACRIFICE (of one’s time & energy) for loved ones Ability to earn income Capacity to save (saying 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 …
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 …
1) Stock picking by individuals is highly random with limited analysis. Don’t buy and sell on the basis of past pattern, every high-low has a new story and many factors. 2) Less turbulence , less stomach churn, less anxiety. Great 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.