Life isn’t defined by how you make money. It’s about how you live. When Life Leads -Work and Money Follows In modern life, money and work have unconsciously become the organizing forces of our days. They decide our schedules, shape Read More …
Financial Boundaries: Saying ‘No’ without guilt Many of our money worries don’t come from lack of income; they come from lack of boundaries. Every action has an equal and opposite reaction— and this principle applies to our financial choices as Read More …
Emotional Inflation: When feelings rise faster than prices We often talk about financial inflation — but very few talk about emotional inflation, the rise in our feelings much faster than the rise in actual prices. Emotional inflation happens when: We Read More …
Dear All , For the longest time, the word “budget” felt like punishment to me too. Like something that restricts… takes away… makes you feel guilty. But everything changed when I shifted my focus to Cash Flow. Cash Flow has Read More …
What is something we all have in abundance, yet it remains one of the scarcest resources in the world? Attention. In today’s world, our attention is constantly being pulled in different directions—checking financial portfolios, tracking the markets, listening to media Read More …
Your Money and You Get the full Return of your investments – What is the difference between the investments and expenses ? What does the above line mean? Our focus is always on reducing the expenses. Are above expenses or Read More …
Money – Why Money importance to us? It’s for our security and confidence to fulfill our responsibilities and aspirations of life . How to take control of our Money? To take control of our money we need to know 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.