704, 7th Floor, Sco-18, Feroze Gandhi Market, Punjab.
Insurance is an important risk management tool that can protect you and your family from financial hardship caused by unplanned events. we work with you to identify your risks and implement a cost-effective risk management program that has been developed with your specific circumstances and requirements in mind. Insurance recommendations provided by us include: Life Insurance Health Insurance Personal Accident Insurance Income Protection Insurance Child Cover If you have existing insurance arrangements, it is important to realise that both over-insuring and under-insuring can be costly. Your authorised planner will review these arrangements and ensure that you are appropriately covered. The lost earnings can be experienced with the death, disability, estate settlement costs and its clear impact is seen on the financial well being. Thus by seeking the insurance planning assistance one can receive extensive relief in one’s overall financial status. Planning for covering all possible risks through insurance always turns out to be fruitful as well as satisfactory for each one of us. Instead of considering insurance planning as an absolute tool towards the overall financial planning, we misunderstand it by saying an investment. Already where our daily lives remain unpredictable with uncertainties including an absolute loss of income, critical illness or even with disability, why not look forward for the attainment of excessive peace of mind through an effective insurance planning technique. You must be thinking how insurance planning is associated with financial planning? But the fact is that where financial planning is a way of formalizing goals over time and creating a path to accomplish the benefits, the relevance of insurance planning cannot be left behind. As insurance planning assists in protecting you from adverse financial crises or losses which come across towards your wealth management.
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What is Wealth? Basically wealth is an abundance of variable material resources. The meaning of wealth is not straightforward. Wealth is basically a person’s net worth. Wealth can be explained as assets minus liabilities. What is Management? Management is the art of getting the work accomplished by the efforts of other persons and factors. Management involves Planning, Organizing, Staffing, Controlling, Directing an organization. What is Wealth Management? Wealth Management is a discipline that incorporates financial planning, Investment portfolio management and a number of financial services. It is a professional service it can also encompass all parts of a person’s financial life. Wealth management is done by wealth managers. Wealth managers can be MBAs, CFAs & Certified Financial Planners(CFPCM) or any credentialed professional money manager who works to enhance the growth and income. Investors must have already accumulated a proper amount of wealth for wealth management strategies to be efficient and effective. It can be provided by large company entities, independent financial advisers or multi-licensed portfolio managers. Their services are designed to focus on high-net worth customers. Wealth Managers use their experience in estate planning, risk management and legal specialists, to manage the holdings of high net worth client. Wealth managers must contain a current profile of client holdings. Wealth management is an integrated process for helping clients manage their wealth. It involves huge a wide range of services and the services depend upon each investor but the condition is that services should include investment management, financial planning, retirement, Estate planning, tax planning, debt management and cash flow. Features of Wealth Management: Allows customer to review risk profiles. Track holdings against model portfolios fro returns. Captures Customer’s details and risk profile. On approval by client they execute financial plans. Based on the advanced algorithms they provide tax coverage, education and insurance. Interfaces with banks, portfolios management systems, price vendors and other agencies. Provides dynamic search. Document Management. Dynamic user access control. We handle information for the following segments: Stocks. Stock Options. Bonds. Funds. Insurance. Cash flows. Education Planning. Tax Planning. Estate Planning.
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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.
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Pay mode:COD only