Financial Advisory Services

Holistic Financial Planning

Financial planning involves assessing every aspect of your financial life to help you create a comprehensive financial plan (or strategy) to reach your short and long-term financial goals. It might sound like something only the very rich can afford. But you do not need to be wealthy to reap the benefits of financial planning, and these days, financial planning services are more accessible and increasingly affordable to every person. It covers many areas such as, tracking your common expenses, and savings for a dream home, child’s education or marriage, retirement, reducing debt etc. We will help you determine how much money you will need to reach those goals and the time it will take to grow this wealth, and then recommend customized solutions that are unique to you and your family.

Cash flow Planning

Cash flow planning involves understanding the components that make up where money comes from, where it goes, and what choices are appropriate in relation to your overall financial plan. Cash flow planning is the first thing that should be done prior to starting an investment exercise, because only then will you be in a position to know how your finances look like, and what is it that you can invest without causing a strain on yourself. It will also enable you to understand if a particular investment matches with your cash flow requirement.

Children's Future Planning

For most parents, child’s education and marriage is something that they will never compromise on. But despite recognizing the need to save for their children’s aspirations, most people do not take timely action towards it. You are the designer of your child’s future – a strong foundation can help them lead a fulfilling life. The expenses for education and marriage are rising every day and combined with high inflation rates, you need to have a defined strategy to cement your child’s future. We help you to construct a suitable plan to fulfil your children’s prospects.

Investment Planning

Many investors think financial planning and investment planning are the same thing. Investment planning is about creating a right plan and sticking to it even during market volatility. It factors in your risk tolerance, diversification, and asset allocation, in order to maximize your returns. Investment plans are typically designed to help you decide how much to invest in mutual funds, deposits, bonds, shares and real estate in order to maximize your returns. Whereas the financial planning involves assessing every aspect of your financial life to help you create a comprehensive financial plan (or strategy) to reach your short and long-term financial goals.

Retirement Planning

We all have our aspirations and dreams for our retirement (golden years) life. The sooner you start to save for golden years, you will have freedom to fulfil all any desires that were not possible during your work-life. Retirement planning includes identifying sources of income, estimating expenses, implementing a savings program, and managing investments to accumulate specific retirement corpus

Enterprise Investment Planning

Are you a mid-size corporation? Do you always have some surplus funds lying in your Current Accounts? If you want to park some surplus funds for one week to few months, we will advise you suitable investment options to make use of the idle funds efficiently.

Tax & Estate Planning

Through tax planning, all elements of financial plan work together in the most tax-efficient manner possible. Tax planning is an essential part of a financial plan. Reduction of tax liability will maximize the overall portfolio returns and improve the efficiency of the financial plan.

Estate planning involves planning for 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 provide this service through a partnership with a third party estate planning services firm.

Debt Management

Debt management plans are necessary if you have very high debt. If you cannot meet your monthly payments, your creditors will record it on your credit history and lower your credit score. This will invariably decrease your ability to obtain new loans or credit cards, and even if you get a new loan, the interest rate will considerably increase. We offer Debt management services to help people decrease their debt burden and eventually eliminate it.

Risk Management

Risk Management is a critical component of a comprehensive financial plan. The principal goal of Risk Management is to identify and analyze risk factors in life and determining the proper solutions to mitigate those risks and to attain a peace of mind even if disaster strikes.