Part-I. Risk Management & Insurance Planning

Risk in personal finance denotes the possibility of loss. Sometimes the loss is trivial, while at other times it may cause major personal and financial hardship.  As there is no way that we can eliminate all our personal risks, we need to have a solid risk management plan to manage our risks effectively. Having a risk management plan suitable to your financial landscape is the starting point of your financial wellness.

Our Financial Wellness Programme will help you to identify and quantify your potential risks and empower you to determine a suitable risk management and insurance plans based on your needs.

Part-II- Assessment of your Emergency Fund needs

Life is full of unexpected situations – good and bad. Hence, apart from other things, you need to be prepared for it financially. While you can plan for some foreseeable expenses, an Emergency Fund can help you manage all unplanned expenses efficiently. An Emergency Fund can keep you afloat during tough financial times so you don’t have to rely on credit cards or loans. It can also help you to structure your investment plans on a strong footing.

With our Financial Wellness Programme will empower you to scientifically determine your ideal emergency funds suitable to your financial landscape.

Part-III. Retirement Need Analysis & Planning

Retirement Planning is done to secure your life after retirement by arranging funds for your post retirements needs that ensures the maintaining of your current standard of living. It is the biggest component of Financial Planning as Your working period (Accumulation Phase) & Retirement period (Distribution Phase) are almost equal due to increased life expectancy.

Our Financial Wellness Programme will empower you to make an assessment of your retirement income needs and throw insights on the retirement corpus to be built while considering the inflationary impact


Part- IV. Financial Goal Analysis & Planning

Financial Goal planning refers to setting financial goals and developing plans to achieve/reach them. Your financial goals can be categorized as short-term, medium-term, or long-term goals. A financial goal is, therefore a scientifically defined financial milestone that you plan to achieve or reach. Every financial goal will have the following three details associated with them:

– What is the purpose?
– How much money is needed?
– How much time? (usually in years)

We are discussing here all your financial goals one by one and presents you how you can approach each of them.


Part- V. Risk Profiling

We will discuss about your risk profile, it is a must step to be taken before any investment decision is made. You may wonder what is risk profiling and why it is necessary?

As you must be aware, different investment products carries different risks, some investments are considered to be safe, where as some are considered to be risky.

Our Financial Wellness Programme will empower you make an assessment of your risk profile and will help you to understand the risk that you can take as an investor and accordingly your asset allocation can be decided.


Part- VI. Asset Allocation

Asset Allocation is another important step to be taken before any investment decision is made. We have seen many people taking investment decisions based on their emotions and regret over their decisions after taking them. Many take investment decisions are taken in the similar fashion of their friends or family members. And sometimes these decisions are without any regard to its suitability to their specific needs.  This is where a well decided asset allocation will help.

Our Financial Wellness Programme will empower you to identify your suitable asset allocation and your investment decisions will be significantly improved.


Part- VII. Investment Planning

Investment Planning is one of the most important part of your financial wellness , It is not about choosing an investment product alone. There are three important steps to be taken before making any investment decision. The first step is the identification and the assessment of your financial goal- this is the foremost step of investment planning, The second step is to understand your risk profile and the third Step is to decide your asset allocation. Once we are clear about these three steps, actual investments can be made. But the most unfortunate thing about majority of the people is that they ignore these steps before an investment is made. They result is that they are stuck with too many investment products with them but they don’t know why they invested in it.

You will be empowered to take your investment decisions on your own and decide its suitability to your specific needs with this programme.

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Part-VIII. Cashflow Analysis and Debt Management.

Our Financial Wellness Programme aims to improve your understanding of your Cash flows and the savings ratios also enriches your insights about your debt management and debt management strategies that can be adopted.


Part-IX. Tax Planning
Our Financial Wellness Programme will empower you to understand the tax implication of your financial decisions which will be be insightful to minimize your tax lability by adopting the right mix of investment options which are tax efficient.

Part-X. Estate planning.
Estate planning involves determining how an individual’s assets will be preserved, managed, and distributed after death. It also takes into account the management of an individual’s properties and financial obligations in the event that they become incapacitated. We will discuss your current plan and make recommendations based on your specific needs