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BASL Registration Number: 1951 | Non-Individual RIA. Regn No. INA000017620 | Validity Perpetual

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Financial Planning

“If you do not know where you are going, every road will get you nowhere”

This philosophy also applies to our personal finances, if not managed properly. Lack of budgeting, losing track of expenses and savings, buying a financial product without understanding the deep impact on overall finances are some of the typical examples of managing money in a haphazard manner. In the absence of a specific direction, we shall never know how adequate our resources are to meet our present and future goals.


Financial Planning provides us the road map to achieve our financial goals in a disciplined manner over a life time. The crux of this process is to define and plan your goals, set the time frame to attain the goals and then work towards attaining them with the use of available resources which are your income and assets. Financial Planning is not just about the future. It also involves conducting a critical evaluation of the present finances and plugging loopholes, if any.

Why Financial Planning

In today’s uncertain times, financial planning enables us to arrange adequate funds for our goals well in advance and helping us to stay financially secure. More importantly, it prepares us to face any eventuality which life may throw at us.

The regularity of salaried income stream cannot be banked upon as the concept of job security is on the wane. The nature of income generation from entrepreneurial assignments also initially tends to be erratic. The ‘wants’ have changed into ‘needs’ on account of life style changes.

Today, a plethora of financial products are available for investment which is much more complex and dynamic and carries different degrees of inherent risks. Hence it is essential to analyse the product suitable to your needs instead of chasing the ‘Highest Return Goose’.

Inflation is the most important factor to keep in mind which eats into the returns from your investments and the attainable goals in today’s value become out of reach at a future date.

Financial Planning Process

  • In this first no-obligation meeting, we try to understand your concerns and needs. We then discuss our services and try to ascertain whether they are in sync with your needs.

  • If we decide to proceed further, a formal letter of engagement needs to be signed by you.

  • You fill up a data questionnaire giving your basic information. You also undergo a psychometric test for ascertaining your risk profile.

  • On the basis of data provided by you and on the basis of our discussions, we evaluate your current financial situation first. We then make recommendations to secure and prepare you for any uncertain event in life.


    This includes having a contingency fund, buying adequate life & health insurance and having a debt-repayment plan in place. Further, we help you in analysing and defining you financial goals – child education, house purchase, vacation, etc. These are then mapped to your resources and investment recommendations are given depending upon the time-horizon of the goals.


    Investment Planning is done keeping in mind the overall asset allocation & diversification of your portfolio. We also take care of your other important areas of personal finance like building an adequate retirement corpus, enhancing efficiency in tax saving, reviewing nominations of bank accounts, investments, insurance policies, estate planning, etc.

  • Once the financial plan is prepared, it is presented to you. We avoid using jargons and strive to present the plan in the simplest manner so that you understand it well. Your understanding of the plan is of utmost importance to us. Although care is taken to see that the communication is clear, if after the presentation you feel that the plan does not address all your issues, we are willing to listen and redo the plan.

  • Planning is just one part of this entire exercise. The most important part is execution of the financial plan and we do it for you at every step of the way. We monitor the progress regularly and keep track of very actionable item until the entire plan is executed. You, of course have the choice to get the execution done on your own.

  • Throughout the financial planning and execution, all communication with you, be it over the phone, via mail or personal meeting is recorded for us and your reference. We observe complete confidentiality in preserving our client’s financial data.

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We do not like to call ourselves 'Wealth Managers'. Our objective is not just to sustain and grow long term wealth for our clients. We believe 'Wealth' needs to serve a meaningful purpose which not only is in sync with a client's financial goals but also conforms to his value system, beliefs and his overall attitude towards money. We call this Financial Life Management.

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