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 …
Mindfulness Towards Your Money: Money Beyond Currency Money is generally understood as a currency. But when we look deeper, money is not only currency; it is an energy ,that is why it is called Laxmi. This energy is felt throughout Read More …
đź’ˇ Why money decisions feel harder during change — and how to stay grounded When life changes, money starts speaking a little louder. Even simple decisions begin to feel heavier. And that’s completely normal. During transitions — travel, career shifts, Read More …
What do you want your children to say about money? The way we see, speak about, use, decide, spend, save, and invest our money creates impressions—deep footprints—in the minds of the next generation. Our everyday words and actions around money 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 …
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 …
To generate real-lifetime returns, one must focus on: Process and Planning Asset Allocation Diversification Selection Managing Your Behavior The portfolio composition can control only 10% of long-term real-life returns, 90% includes: a. Your personal value-based plan b. Percentage of equities 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 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.