Comprehensive Financial Planning lays a roadmap to systematically achieve the goals you may have, by appropriate financial management.

This process brings in the perspective and gives you a framework, to systematically achieve your goals.  It also forces discipline in spending and saving, which helps you to cruise towards your goals, relentlessly and achieve them eventually.

While creating the plan, the planner looks into your life goals, your current situation, committed expenses, Income / expense pattern, risk exposure, cash flows, future commitments etc. and suggests a plan of action with which you could comfortably sail through life, meeting all the goals set within the timeframe, in a planned manner. 

The planner would suggest corrective steps in existing investments and  loans, as required , unlock money locked-up in unproductive assets, discuss your goals, funding of assets, expense rationalization, provide clarity about future requirements for children, retirement funding, provisioning for medical exigencies, providing a security blanket for the family, correct asset/ savings mix,  tax planning … in short, everything that concerns you. The plan looks at cash adequacy, after meeting all goals, and works out all these till retirement and beyond ( till atleast 80 years of your age).

We look at cashflows & draw up a cashflow management strategy, with a view to put your surpluses to good use and providing for upcoming expenses. As per your investments and future requirements, we draw up a comprehensive recommendation on what one should do.

Financial Planning is an ongoing exercise. One will need to revise the plan, from time to time, to keep it current & relevant. 

Normally, we work on a fee and comission based financial planning advisory model, with our clients. However we would be entirely happy to work on a fee only model or fee offset model.