COMPREHENSIVE FINANCIAL PLANNING
Comprehensive financial planning will touch up on all the aspect of your personal finance such as Investment Planning, Retirement Planning, Tax Planning, Risk Management & Insurance Planning, Estate Planning, Child Future Goal Planning, Budget & Cash Flow Planning, Loan/Debt Advisory, Financial Counseling, Expert Opinion Services etc.
Investment Planning aims to increase your financial resources in such a way that all your futures financial goals are adequately funded with it. Its not just about investing your money but includes assessment of your risk profiling, fixing up an asset allocation, creation of investment portfolio based on asset allocation, periodical review and re-balancing if necessary etc
Retirement Planning is done to secure your life after retirement by arranging funds for your post retirements needs that ensures the maintaining your living standard. It is the biggest component of Financial Planning as Your working period (Accumulation Phase) & Retirement period (Distribution Phase) are almost equal
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
Asset allocation is the implementation of an investment strategy that attempts to balance risk versus reward by adjusting the percentage of each asset in an investment portfolio according to the investor’s risk tolerance, goals and investment time frame.The focus is on the overall portfolio so that funds are made arranged for the future financial goals
INSURANCE PORTFOLIO MANAGEMENT
There may be numerous insurance products that you would have purchased over period of time. Insurance being a cost needs prudent analysis and management else it leads to incurring high cost for the individual. Our insurance portfolio management will help you to improve your existing insurance portfolios while managing your risk well.
You might have a question on your current investments or say an exit strategy from expensive insurance policy taken a couple of years ago. You can trust us as an advisor, who can answer your queries and suggest you better alternatives at all times and on all financial matters
FINANCIAL GOAL PLANNING
Financial Goal planning refers to setting financial goals and developing plans to achieve them. Your financial goals can be short-term, medium-term, or long-term. Short-term goals can be achieved within a span of one to three years. Examples are building an emergency fund or investing for a vacation
Protecting you and your loved ones against potentially devastating, unforeseen events is at the foundation of any sound financial plan
It is done to reduce tax liabilities. It includes: calculating your gross total income from all the heads of income, computing the total tax payable and then minimizing your tax by adopting certain tax saving schemes and a right mix of investment options. It also takes care of Capital Gain Tax.