Dear All, Today I reflected on something very real in investing the gap between what we know and what we actually do. Intellectually, the rules are clear: * Invest immediately don’t try to time the market * Don’t hold excess Read More …
Dear All, “I just can’t tolerate that kind of risk.” We often say this. But let’s pause and reflect. What is risk tolerance? Does it truly exist? Can it really be measured? Does it remain the same throughout life? In Read More …
Dear All, The world often feels noisy , headlines filled with commodity, dollar , policy decisions, market swings, economic worries, and uncertainty. Every few years, this pattern repeats itself. History reminds us of a simple truth: fears come and go, Read More …
Over the last 46 years of the equity markets, we have witnessed 13 bear markets. And yet, the long-term direction of human progress and markets has always been forward. Life and investing both require us to believe in a future Read More …
Dear All , Seeking certainty is a myth in life and in investments. The future is always uncertain. Yet as humans, we naturally seek certainty about rain, exam results, our children’s careers, or market movements. This is normal, but it Read More …
Dear All, What if the real key to money peace isn’t budgeting, but awareness? I always found budgeting very boring . Over time, I’ve realised budgeting is usually followed by those who are already good with money or who has Read More …
Dear All, Before asking, “How much more money do I need?” pause and ask, “Who am I becoming as my money grows?” Money does not change who we are. It only makes us more of who we already are. If Read More …
As we step into a New Year, let’s pause and ask a question we rarely ask – What is my story of money? Begin simply: Where does my money come from – salary, profession, skill, art ….. Notice how working Read More …
Ask yourself one simple but powerful question: We all want a better life—but what does a better life truly mean? Is it just having more money? Many people achieve money, status, and comfort, yet still feel something is missing. Because Read More …
From Confusion to Clarity: A New Way to Look at Money Many times, we neither give full attention to money nor fully commit to living our life with intention. As a result, we remain stuck in confusion. Deep within us, 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.