What produces the insightful results, surprisingly, is not rocket science, but a simple commonsensical, six-step process, which we follow. The below steps are logical and time tested, it is MAGICAL PROCESS to get the RIGHT RETURNS.

1. Establishing and defining the client-advisor relationship.
We discuss and understand your financial requirements and explain the various facets of financials services that are available. We then identify the areas where you require assistance. We then decide on the fee structure and the duration for the professional relationship.

2. Gathering client data, including goals.
When you consult a doctor, he usually begins by compiling a complete medical history. Similarly a financial planner requires information about your financial situation. Together with the client we define his or her personal & financial goals. We then follow a scientific approach in our plans after gathering all financial and family history. We then work on your case and explain the various financial responsibilities and the expected time frame for the results.

3. Analyzing and evaluating your financial status.
Any financial situation has many aspects like assets, income, loans, insurance, taxes, business interests, inheritances, wills etc. We will carefully scrutinize these aspects and assess your current financial situation. This scrutiny is done to determine the actions required to meet your goals. These could include analyzing your assets & liabilities, cash flows, incomes, savings, tax planning & budgeting, investments, and retirement planning or tax strategy for the family.

4. Developing and presenting financial planning recommendations and/or alternatives
Once we analyse the data, we identify areas that need particular attention. Based on this we make financial planning recommendations to address your goals and devise a strategy that will overcome weaknesses and lay a strong foundation for the financial management of your affairs. After you have studied these recommendations we will note your concerns to revise and finalize the recommendations.

5. Implementing the financial planning recommendations.
Implementation is the key and any plan is worthless unless it is well implemented. We will carry out the implementation of the finalized plan for you or serve as your guide. This includes co-coordinating the whole process between you, your accountant, solicitor, stockbroker, portfolio manager and real estate agent.

6. Monitoring the financial planning recommendations.
Once the plan has been implemented, it requires a periodic review. This is imperative to adjust the plan to the changing situation in one's life, financial situation and income levels. We will do a periodic report & analysis on your current situation which will be sent to you for your information and directions for modification, if any. Financial Consultancy: If you have any specific queries regarding any one or more aspect of your financial health or just require a professional opinion while doing your own financial planning, we are here to guide you on the road to financial freedom.

Your Life Stage is populated with specific financial events that you need to plan for. Our Life events planner will help you understand your requirements and start planning for these events.

We insist that our clients try and imbibe the art of “Writing Goals” as we feel that is the first step to success and one has to make it habit. Simply identify the Life stage & the specific GOALS you have and we advise you how you can achieve your Goals.

->  Foundation for Financial Security
->  Asset Accumulation through Leverage
->  Actual Wealth Generation
->  Wealth Utilization and Distribution

SINGLE
Goals : Further Education, Marriage, New House/New Car

MARRIED
Goals : New House/New Car, Life & Medical Insurance, Retirement

MARRIED WITH CHILDREN
Goals : 2nd House/New Cars, Life & Medical Insurance, Children Higher Education, Children Marriage, Protect Assets, Vacations, and Retirement

PRE-RETIREMENT
Goals : Life & Medical Insurance, 2nd House/New Car, Children Marriage, Protect Assets, Vacations, Protect Assets, Start a Business, Peaceful Retirement

RETIREMENT
Goals : GOALS –Medical Insurance, Vacations, Peaceful Retirement