Be Our Client
As a wealth management firm, we aim to make it simple for you through a personalized, comprehensive yet actionable plan that endeavors to provide the most optimized post tax returns to meet your needs, goals and aspirations in a systematic planned approach with a detailed plan. At the same time, we ensure that all personal & financial risks are also sufficiently addressed!
While laying the foundations of our practice, we decided to build a focused practice around specific client segments through qualified introductions only. The idea was not just to chase any high net worth individual but own serious clients, with strong relationship.
From NRIs, families, professionals, businessmen, CFOs, CEOs, CXOs, senior level salaried employees to wealthy individuals and philanthropists, our wealth management service caters to all kinds of needs, goals and circumstances. All the services will be offered with personalized assistance according to your requirements with tailor-made solutions with the best in class research and help of experts from respective domain who shall have at least one decade of experience in their respective fields.
Our approach towards providing our clients the best possible advice and service, we go through a six-step process, as mentioned below, in order to achieve best results and meet their respective objectives.
We begin with identifying your various life stage responsibilities and goals to estimate the corpus required towards achieving these goals/ dreams. This includes planning for various life-stage such as marriage, family planning, child’s education, child’s marriage and post retirement income along with other short-term goals like contingencies or vacations. The next step is to estimate the corpus that would be required at various points in time to meet these goals. This helps us understand your financial needs of the future and prepares you for taking the necessary steps.
- Identifying your Goals: Identify various life goals that fall under the life stages as an essential expense (marriage, family planning, child’s education, child’s marriage and post retirement income etc.), Liabilities & other Discretionary expenses and to estimate the corpus required for achieving these goals. This helps you understand your financial needs in the future and prepares you for taking the necessary steps.
- Review Current Financial Situation : It entails a complete financial health check-up. The basic objective is to estimate your current cash flow and the risk to its continuity. It involves a complete assessment of your current income, expenses, assets and liabilities. It helps you to understand how your money flows!!!
- Investment, Insurance & Utilization Strategy : We help you execute the suggested asset allocation through a most tax efficient, liquid and risk optimized investment options. Recommend a suitable utilization strategy to best optimize your available resources to make your dreams come true without having to compromise your post retirement needs and aspirations. Also, access your health and asset insurance related requirements and recommend suitable insurance options through various industry experts to take care of any contingencies and uncertainties.
Planning is all pervasive. After identifying your goals and reviewing of current financial position, Planning helps to understand whether you are living above your means or whether your liabilities would eat up your savings. It helps you to understand how your money flows (inflow and outflows)!
Your investment decisions depend on your risk profiling to a great extent. Hence it is necessary to assess your risk profile to understand your risk tolerance and appetite. While risk appetite refers to your capacity to take risk, risk tolerance indicates how much risk your finances can handle. The risks assumed in investments are dependent on your preferences and the returns calculated on your expectations. Given these factors, portfolios should be constructed such that they have the dynamism required to adapt to your profile and any changes to the same from time to time. Much like the juggler, different asset classes and products will be handled to create a well-orchestrated portfolio that meets your needs at different points in time.
Your profile as an investor helps in the selection of combination of the asset classes required to invest keeping in mind your risk capacity and return potential.
Asset Allocation is recommended to diversify and adapt your portfolio to your needs and investment climate. Asset allocation is the process of combining various asset classes such as large and small/ mid-cap equities Mutual Funds, bonds, real estate, cash equivalents, gold etc. Typically, each investment category reacts differently to changing economic and market conditions creating a mix of asset classes that can help balance risk and return. Therefore, if any asset under performs due to market conditions, another asset within the same portfolio can balance the losses.
Advise investment options is to deploy/employ savings in chosen alternatives. Asset allocation determines the overall asset classes for investment. The next critical step is to choose from a wide variety of investment options available amongst each asset class and make investments as per your plan.
Your investment plans must be based on various insights. The main source for these insights will be from your risk profile and the understanding of which asset classes meet your return expectations. At this point, it is important to understand that different products play different roles in portfolio construction. If returns are one side of the story, time horizon, familiarization of product’s, short term and long term plans and commitment’s and risks are the others. Balancing all of these is the key to a customized investor portfolio.
Reviewing your current portfolio and planning for your risk appetite, cash flow volatility and market conditions and rebalance is necessary. It is important to monitor and review your plan every 3-6 months and rebalance your portfolio after taking into account the various socio-economic factors.