Three Functions of Money Money plays three essential roles in our lives. When we understand them clearly, our relationship with money becomes peaceful and purposeful. 1. Money as a Function of Exchange At its simplest, money is a medium of Read More …
Does your garden really die in winter? When winter comes, a garden looks quiet—but it isn’t dead. Permanent plants store energy, rest for a while, and return stronger when the weather changes. Public equities work the same way. In the Read More …
Happy Money vs Unhappy Money — A Perspective for Our Financial Life Money is more than a financial tool; it carries the energy of how it is given and received. Happy Money is money that moves with love, respect, care, Read More …
What is Money? More Than Just Numbers… Money is not just paper, numbers, or transactions — it’s a feeling. Those numbers decide what we eat, where we live, when we retire, and how much time we can give to our Read More …
Financial Freedom vs Financial Happiness: Why Wealth Alone Is Not Enough “Money can buy comfort—but not contentment.” In the world of personal finance, financial freedom is often portrayed as the ultimate destination. It is the point where an individual’s assets Read More …
Dear All , From the wisdom of gurus like Nick Murray and through years of experience, I’ve learned that equity investing is often the opposite of what feels like ‘common sense.’ What seems obvious usually turns out to be wrong. Read More …
Financial Life Planning isn’t about being exactly right today — it’s about being less wrong tomorrow. Ask any surgeon: Q1: Do you prepare a plan before every operation? — Yes Q2: Does it always go exactly as planned? — Never Read More …
Money = emotions Here are 5 key emotions ,we often see in financial decisions 1. Fear Fear of loss, fear of investing, or taking decisions and risks often keeps us in “safe” zones, but also in scarcity. ✅ Build a 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 …
Money and You: Have you ever considered what are your expectations from your money? Why is money important to you? Money is where our internal self and external self meet and engage. Internal self: Your life values – each and 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.