Based on your unique financial situation and requirement, I offer comprehensive financial planning services. The entire process is goal-centric which allows you to self-reflect and introspect how, where and when you spend your hard-earned money. As priorities become crystal-clear, a detailed plan is created. This involves how to allocate and invest your current and potential resources to bridge the gap between how much you have and how much you need to save for the future. It also includes creation of your safety net to take care of untoward events in the future.
Financial Planning is not a one-time process. It needs periodic monitoring and review once in a year as life situations change. For e.g., marriage, childbirth, job loss, starting a business, critical illness, etc. Reviews track the progress of your goals and enforce discipline to stick to them.
You can message or mail me to know about the detailed offerings and fees for financial plan and reviews
Over the years, you must have saved money and invested across different financial products. Do you know how your asset allocation and total portfolio looks like? Are you taking too much risk with it? Are you totally heavy on any one asset class? Are there overlaps? What is your annualised portfolio returns? How disciplined is your investment approach? Portfolio X-Ray and investment advisory services is for those who need such answers and a second opinion on their investments. You can message or mail me to know about the detailed offerings and fees.
I am a fee-only financial planner who charges a fixed fee for financial planning services. I do not receive any commissions or other income from the products recommended and hence the advice provided is independent, unbiased, conflict-free and always in the best interest of Client.
With digital communication tools available today, I have audio/video conversations with prospects and clients based at any location. Besides India, I have worked with clients based in Dubai and Bahrain. I ensure that the clients irrespective of the location have a smooth experience and gain similar financial clarity and coaching as in a personal meeting. Distance truly is not a barrier to connect.
It is a myth that financial planning is only for the rich or high networth individuals (HNIs). In fact, it is for all those who systematically want to achieve their financial goals and are genuinely committed to bring a positive change in their financial lives. I charge a flat reasonable fee for the financial plan prepared. The fees depend upon the complexity of your financial situation and needs and the effort required to work out the plan. This is irrespective of the financial assets you own. Clients with whom I have worked with so far include:
As your financial situation constantly undergoes change, it warrants a review. An increase in income, change in financial goals, change in asset allocation, taking new loans, marriage, childbirth, death in the family, the addition of new property, etc., all of such situations have an impact on your financial plan. It is thus prudent to review your financial plan once a year. Further, I ensure that the progress of your most essential goals is on track. Any goal nearing completion is taken care of with a diligent investment exit strategy to ensure that you have the money on hand at the right time. Over time, this goal-oriented mindset will evolve and encourage you to stay disciplined and focused on your goals irrespective of the state of the markets.
As a fiduciary, I treat my Client’s data – both quantitative and qualitative data with utmost confidentiality and do not share it with any third party. I also ensure that the final plan files are password protected. The data on my devices are also secured with appropriate back-ups.
While I encourage Clients to have a holistic financial plan in place, I also offer standalone investment advisory services to them. Again here, I charge a reasonable fixed fee depending upon the complexity of the investment portfolio.
Can you keep your emotions aside while managing your own money? Are you gripped by fear and panic during market downturns? Do you have any biases towards a particular asset class or a stock? Do you have adequate time to research? Are you influenced by social media in taking your financial decisions? Do you understand the difference between an investment plan and a financial plan? If you are not sure about these answers, then it is prudent that you take a second opinion. Think of this like hiring a financial coach, not just an adviser. You will receive the validation whether you are on the right financial track.
SEBI Investment Adviser Regulations have come into being since 2013. These regulations clearly state that a Registered Investment Adviser (RIA) cannot earn commissions through sale of financial products which are regulated by SEBI. An intermediary/agent/distributor can earn commissions through sale of financial products but cannot provide financial planning advice and call himself Adviser.
SEBI has thus set a clear demarcation between providing competent investment advice incl. financial planning and selling financial products. RIAs have a fiduciary responsibility towards their clients which implies they need to put their client’s interests first ahead of their own. They need to meet higher education standards incl. post-graduation, an appropriate certification on financial planning, and a minimum of five years’ experience in the financial advisory profession. They need to follow a stringent code of conduct to maintain accountability, transparency in their dealings, and confidentiality of clients’ data. Such high standards of education, experience, and code of conduct ensure that clients receive competent, professional advice on their finances while dealing with a SEBI registered adviser.