II-B/157, Nehru Nagar, Ghaziabad - 201001


What is Financial Planning

Retirement planning helps you determine your long-term Retirement goals and create a balanced plan to meet those goals. … Allowing you to consider investments to improve your overall financial well-being.

Financial Planning is an ongoing process so that you make sensible decisions about money and it’s not just about buying products like a pension or an Insurance.

Basically it is the process of meeting your financial goals through the proper management of your finances. Financial goals can include buying a home, savings for your child’s education, planning for your retirement or estate planning.

We help you to work out on where you are now, what you may need in the future and what you must do to reach your goal by the process that involves gathering relevant financial information, setting financial goals, examining your current financial status and coming up with a strategy for a plan on how you can meet with your goals, and map the gap.

Benefits Of Financial Planning:

Financial planning provides direction and meaning to financial decisions. It allows the client to understand how each financial decision they make affects other areas of their finances.

For eg. Buying a particular investment product might help them pay off their mortgage faster or it might delay the retirement significantly. By viewing each financial decision as part of the whole, the client can consider its short and long term effects on their life goals. The client can also adopt more easily to life changes and feel more secure that their goals are on track.

You Pay For It Because:

  • You want to engage the services of a qualified professional and ensure quality advice.
  • You save money when you avoid making wrong investment decisions.
  • Financial plan precedes any advice on products and to that extent, is completely unbiased.
  • You put your trust in the hands of an expert and your mind at ease.

Our Process

Our approach to financial planning is simple and straightforward. However, it is also important that you fully understand our consultative process and our step by step approach.

Evaluate Current Position

This is the first stage of our interaction. It involves evaluating your current situation which includes cash flow analysis, calculating your net worth, reviewing your insurance coverage for life, disability, home, auto, health etc.

Identify Goals

We then go about clearly establishing the objectives of the financial plan so that, several goals can be balanced. The goals could be short, medium or long-term and could include child’s education, marriage, your retirement etc.

Work Out the Plan

We then work out a clear strategy in line with your objectives and risk tolerance. Drawing up a winning asset allocation so that your financial goals are met is fundamental to a successful plan.

Implement the Plan

We will assist you in the process of implementing the plan by suggesting the optimal mix of products and services that are essential for the success of the plan.

Report Periodically

Once the plan is implemented we will monitor the progress on an on-going basis. We will periodically report the progress and measure the results achieved vis-à-vis the plan.

Review & Rebalance

Financial planning is a dynamic process. We will annually review the plan and progress made, to see if any modifications are required due to changes like inheritance, change in job status, birth or death in the family etc.

Goal Based Investing

We all have dreams and desires, but most of us do not plan our investments according to our goals. The investments are made with a single-minded focus on maximizing returns. Fear and greed become the driving forces so that when the markets turn volatile, we tend to pull out our money or increase our investing, when the markets are already over-heated.
Goal based investing adds direction to an investment. It is a structured , well thought out process for investing ,where you know the purpose behind each rupee that is being invested. In Goal based investing, performance is measured by the success of investments in meeting an individual’s personal and lifestyle goals.
Plan for your Goals

Short-term :

Has a time frame of few months to couple of years. It covers immediate goals such as going for foreign vacation.

Mid-term :

Involves a time frame from one to five years. Mid – term goals include buying a car or starting a business.

Long – term :

Involves plans that are more than five years off. It includes goals such as retirement or child education or marriage

You may have several goals but prioritizing them can help you plan for the most important goals. Also,your goals should be :


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