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 …
Does money reveal who you are? Money reveals at least two things about you: 1. Who you are right now 2. What you currently value Money can be an expensive way to discover who we truly are. If you track Read More …
Real lifetime returns To generate real-life returns, one must focus on: 1.Process and Planning 2.Asset Allocation 3.Diversification 4.Selection 5.Managing Your Behavior The portfolio composition can Read More …
Most parents stretch themselves beyond their capacity, which sows the seeds of negative emotions like pain, disappointment, and frustration amongst children. Why do parents do that? – 1) Insecurity about earnings, status, or wealth. 2) Desire to provide higher comfort Read More …
What do we hope our kids say about money ? Ask yourself How does money play a role in somebody’s life ? Imagine your kid is 12 and from 20 yrs from now what would you hope he/she would say Read More …
We can’t afford it We never noticed our non clarity of money conversation and built an electric fence but don’t know it is electric. Conversation of money is a math conversation but it turns into fighting so we avoid doing Read More …
Life and Financial Decisions The big circle is ‘Our Life’ and Everything goes around Life. And the small circle is our ‘Financial Decision’. So inside the bigger circle of Life the tiny circle is our financial decisions. And between the Read More …
Remembering my guru George Kinder and summing up some of the learnings – Money maturity – If people understand their relationship with money, they feel peaceful. Money can be seen as a place where our internal self engages with external Read More …
Being lazy in doing very very small things can create huge problems in one’s life 1) Bank Account – Not having joint account with spouse with the option of Either or Survivor. 2) Not having enough Life cover (Term plan) Read More …
It’s very clear that Money can’t buy love….but Time Can TIME with people that we love, would enjoy being loved by the people around me . TIME to serve, pay attention to needs, just being there, sitting with someone all 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.